California's Hard Money Lender Since 1988

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Why Invest in Real Estate?

Feb 07, 2017 (0) comment , , , , , , ,

The fallout from the recession left some investors less likely to look to the real estate sector as an option for wealth growth.  However, we have witnessed a radical change in the economy and as a result, real estate has once again regained its rightful place as a solid investment in today’s financial world. Unlike…

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Jump Start Your Real Estate Project With Hard Money Loan

Feb 02, 2017 (0) comment , , , , ,

If you need funds to purchase a property to rehab, buy more investment properties, or buy your own home, hard money lending may be the solution for you. Hard money lenders primarily look at assets instead of credit scores.  In most cases, if you have at least 35% to put as a down payment or…

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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…

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Get Ahead With The Housing Boom In The Bay Area

Nov 22, 2016 (0) comment , , , ,

According to the LMI score (Leading Market Index) economic and housing activity is currently at 98% of its normal level. But for those consumers left behind because of stringent conventional lending regulations, there are Hard Money loans that can allow them to take advantage the real estate boom. Whether you have an opportunity to enter…

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Need To Know Basis – The Shrewd Realtor

Aug 30, 2016 (0) comment , , , , , , ,

As a real estate agent you need to know the products out there for the buyer.  I mean loan products.  Everyone and anyone could buy a home during the heyday!  Now there are really only a few loan programs: The government regulated (Fannie Mae/Freddie Mac, FHA, VA) The In-House loans (credit unions and local banks)…

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Top 5 Reasons To Refinance Using Hard Money

Aug 15, 2016 (0) comment , , , , , , ,

If you have good equity in your home, you can potentially refinance.  Below are the top 5 reasons one would refinance using hard money, also known as alternative financing: Remodel your property Buy an investment property Consolidate debt Get ready for the Holidays Finance kids education   Refinancing one’s home doesn’t only reduce stress it…

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Reasons To Sell A House This Summer

Jul 07, 2016 (0) comment , , , , ,

Selling one’s house can be a challenge no matter what season it is, be it Summer, Winter, Fall or Spring.  According to Keeping Current Matters article, “5 Reasons To Sell This Summer”, there is some logic in selling your home during the hot summer: Demand Is Strong There Is Less Competition Now The Process Will…

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Ways To Improve Your Home For Under $1,000

Jun 15, 2016 (0) comment , , , , ,

There are many benefits to owning a home. Increasing equity and the ability to make improvements or changes to the house are homeowner benefits I will discuss here. Having worked in the real estate and mortgage industry for almost 30 years now, at our family owned and operated Sun Pacific Mortgage & Real Estate company,…

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Can Fixing & Flipping Be More Beneficial Or Harmful For You?

May 27, 2016 (0) comment , , , ,

We all want to make money… it pays our bills, allows us to buy things we want and helps us more comfortably survive. So of course, when someone sees how “easy” it is to buy and flip a home for profit on TV, they want to try a slice of that cake to say they…

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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:…

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