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Hometown Superheroes Bulletin #2

Oct 17, 2017 (0) comment , , , ,

LET’S GET BACK TO DOING THE USUAL NOTE:  Please share with us any heroes you have personally observed, been thankful for or have been inspired by.  We will then share it with everyone. Super Hero Alert: ● David Reyes, his son Luis Reyes (property owners and customers of ours from Hayward, CA) just personally bought…

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Skillful Summer Success

Jun 28, 2017 (0) comment , , , , , ,

Owner Occupied Bridge/Temporary Loan San Juan Capistrano, California A Realtor called me regarding a home loan that her client was having difficulty getting approved. The buyer wanted to purchase a new home in Orange County and needed a jumbo loan of $875K.  Partially using equity from his existing house, he was coming in with 50%…

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The Holidays Are Here…5 Reasons To Buy AND Sell Real Estate Now.

Dec 02, 2016 (0) comment , , , , ,

With the Holiday rapidly approaching, home buyers and sellers tend to decide to take a break.  This is the exact wrong time to stop house hunting or house selling! For home buyers looking to buy their first home or move up home, house prices are projected to increase. If you wait, you will end up…

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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…

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California Housing Market Headed in Right Direction

Jun 09, 2016 (0) comment , , , ,

In April, California Association of Realtors released their 1st quarter California Housing Market Update citing a number of interesting updates. C.A.R. President Pat “Ziggy” Zicarelli was quoted as saying: “California’s housing market is moving in the right direction as we enter the spring home-buying season, but sales growth will likely be isolated in areas where…

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Owner Occupied Principal Residence – Part 1 of 2

Jun 08, 2016 (1) comment , , , , ,

 This will be the first in a series of articles that will explore the varied types of loans we offer Investors. Let me start off by saying that I will always do loans to homeowners that are owner occupants. It is an important segment of lending and a heck of a niche for my office.…

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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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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…

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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…

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Hard Money Loan of the Month – March

Mar 15, 2016 (0) comment , , , ,

Rush Santa Rosa home loan rescued after being stalled by another Lender This past month’s “Loan of the Month” is highlighted for a few reasons, the primary reason being the speed in which it arrived to my hard money office in Santa Rosa, and got approved to fund: 1 day! This principal residence home loan…

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