California's Hard Money Lender Since 1988

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Insurance Tips and Pitfalls

Apr 18, 2018 (0) comment , , , , , ,

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If you lived through the devastation of the North Bay fires last October, you are painfully aware that your insurance premiums are much more than a necessary evil.  Each homeowner has experienced their own heart-breaking story of the fire. Some have found that their insurance company was a supportive and helpful advocate, while others have…

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Recently Funded – We’ve Got Your Back

Apr 12, 2018 (0) comment , , , , , ,

Weve Got Your Back Hard Money

“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 way to make things happen.  We cannot thank them enough!” Borrower – LW   Hard Money Provides…

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How To Maximize The Profit From The Sale Of Your Home

Apr 10, 2018 (0) comment , , , , , ,

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Selling your home can prove to be either a smooth or bumpy process with varying rewards.  Two keys to ensure that your efforts yield the highest price possible are: Price it a little low:  Statistically, it has been proven that property priced below Market Value encourages significantly more interest and higher selling prices than those…

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Bridge Loans – Fast & Strong!

Apr 05, 2018 (0) comment , , , , , ,

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A Mortgage Broker called from SoCal and needed a rapid Bridge loan for his Homebuyer. This client wanted to do an owner-occupied Bridge loan purchase in Laguna Niguel, California.  There were so many offers on the new house he was looking to buy, prior to selling his current home, he needed a very fast close.…

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Partnering With Other Brokers

Apr 03, 2018 (0) comment , , , , , ,

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Brokers who partner with us are able to expand the services available to their clients with little or no effort on their part.  We do all the heavy lifting. As a Hard Money mortgage broker who has been in business for 30 years, we have developed a comprehensive and effective program dealing with our broker-partners.…

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WHAT IS HARD MONEY? The Shortest Version….

Mar 29, 2018 (0) comment , , , , , , ,

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Only TWO main qualifications for our loans: Equity or decent down payment. Ability to repay the loan.   Funding Info: FAST Funding ability (many done in under a week). Loans up to $2 Million FICO not generally a factor (bad or poor credit – we can still help!) Up to 75% loan to value, case…

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Thinking Of Retiring Or Downsizing?

Mar 27, 2018 (0) comment , , , , , ,

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These days it appears that many more baby boomers are reaching the age of retirement, and asking themselves the big question: “To move or not to move?”  There are arguments to be made on both sides. With low availability inventory for smaller scale homes, some retirees have begun to evaluate their present home’s ability to…

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Luck Of The Irish – Hard Money

Mar 22, 2018 (0) comment , , , , , ,

hulk leprechaun

Call the Guys in the White Hats – They have the Luck of the Irish Hard Money Loans are the Pot of Gold at the End of the Rainbow The below Home Buyers feel very lucky to have worked with us: “Forest and Ken are stable and reliable lenders who will always go the extra…

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California’s State of the Real Estate Market

Mar 20, 2018 (0) comment , , , ,

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The California Association of Realtors (CAR) recently published a report on “The State of the Real Estate Market”.  Some of the more interesting facts included the following: Price per square foot was $257, down 3.3% from December, but up 5.9% YTD Inventory at the lowest level since June 2004 with supply constraints crossing all price…

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HARD MONEY – MORE OF THE SHORT STORY

Mar 15, 2018 (0) comment , , , , , , ,

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WHAT IS HARD MONEY…. Hard money loans are funded by private individuals. It is not money from a bank. The loans are used to handle a problem in the profile of the Borrower. They are usually short term (1 to 5 years) and can be funded quickly.  We have over 500 individual Investors who invest through…

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