California's Hard Money Lender Since 1988

Call Today! (707) 523-2099

What is a Hard Money Loan?

Nov 29, 2016 (0) comment , , , , ,

Hard Money loan qualifications are more forgiving than conventional or bank financing and the two basic qualifications are: #1. Decent existing real estate equity or at least a 25% down payment if a purchase and #2. An ability to repay the loan. You could get up to 70-75% of the value of the property. If…

Read more

What Credit Score Is Needed To Buy A Home?

Oct 28, 2016 (0) comment , , , , ,

Many potential home buyers believe that they need a score over 780 to qualify.  In today’s world, this is no longer true. One of the more common misconceptions keeping potential home buyers from beginning their search has been the fear that their credit score is too low. According to a recent study by The Wharton…

Read more

Local & Creative Financing For Real Estate

Jun 13, 2016 (0) comment , , , ,

“I am truly in awe of you your company! Yet again another seemingly seamless (I know you are working hard to make it seamless) process thanks to the systems that you have in place! Always a pleasure!” “I commend you on another transaction and I will continue to refer you guys as I have on…

Read more

Our Changes For Your Benefit

Jun 01, 2016 (0) comment , , , ,

Hope you had a relaxing Memorial Day weekend. To benefit you and your clients, we have just updated our rate sheet to easily show the alternative finance programs we offer taking into account the numerous changes, due to recent regulations handed down by the Feds. Please let us know if you have any questions. And…

Read more

Private Lending Filling the Mortgage Gap

May 20, 2016 (0) comment , , , ,

With Real Estate prices rebounding in California, it’s surprising to see banks still being cautious and lean only toward wealthier, lower-risk borrowers. This has left a widening gap in the mortgage industry between Lenders and potential Borrowers with less than perfect qualifications.  Mortgages in the U.S. last year totaled about 1.6 trillion, according to the…

Read more

Recently Funded – Providing More Options

May 10, 2016 (0) comment , , , ,

Hard Money Provides … A Quick Close Multiple Options Shorter term loan Makes an impossible deal possible “The entire family and staff at Sun Pacific Mortgage are the best hands down.  They are honest, direct, professional, quick, efficient and realistic.  It was like when everyone else seemed to be against us, Sun Pacific found a…

Read more

What Is An Owner Occupied Hard Money Loan?

May 03, 2016 (0) comment , , , ,

Most Hard Money Lenders these days do not offer Owner Occupied financing programs, also known as a Principal Residence Loans, due to the amount of federal and state regulations that apply to them. Here at Sun Pacific Mortgage, we will always have this loan program available because of the important niche it fills for so…

Read more

It Is That Time of Year in Real Estate To Have Alternative Financing Readily Available

Apr 10, 2016 (0) comment , , ,

“Gave us an excellent rate on our hard money loan and we got our money 5 days after we applied! I highly recommend Sun Pacific Mortgage!” LW “I can’t say enough good things about this company! The best experience I have ever had! Helpful & fast from the start! I highly recommend Sun Pacific Mortgage!!…

Read more

Get Your Hard Money Questions Answered Here….

Jan 26, 2016 (0) comment , , , ,

Even the most experienced conventional Brokers and Lenders might not know what a hard money loan is and how it can be beneficial to you…or them. I have lost count of how many Realtors, traditional Lenders, friends and acquaintances have asked me the same question: “What is hard money?”. Well, the article “Hard Money 101:…

Read more

The Key Attributes You Want In A Hard Money Broker

Dec 18, 2015 (0) comment , , , , ,

Having a local, truly experienced and educated Hard Money Broker behind you for your purchase or refinance is more important than you may think. A recent Hard Money article in Trust Deed Capital BLOG covers the importance of this quite nicely. Titled “Qualities of Top Hard Money Lenders”, posted by Ken Meyer. I can say…

Read more

Categories