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Hard Money Loan Tutorial

Mar 29, 2017 (0) comment , , , , , , ,

When you apply for a conventional loan, Lenders are very interested in your credit scores and your income.  If you have a solid history of repaying your debts and your debt to income ratio is acceptable, you will be approved for the loan. Applying for this type of loan can be an unpleasant experience.  The…

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Property Refinance in Mountain View California

Mar 21, 2017 (0) comment , , , , , ,

A local Mountain View realtor referred his home buyer to me after they had exhausted conventional loan programs. I immediately called the buyers and got them preapproved. Because the Buyers were combining households, their debt did not qualify them for a 30 year jumbo fixed rate bank loan. They had found a dream home in Mountain…

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Happy Saint Patrick’s Day! 

Mar 17, 2017 (0) comment , , , , , , ,

We feel so lucky to have discovered Sun Pacific Mortgage… “I was literally crying tears of joy for an hour straight. So excited to get back on track! None of this would have been possible without Sun Pacific’s help and genuine concern. We truly cannot thank you enough!” C& S  “Forest and Ken are stable…

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Deal Of The Month – Superhero To The Rescue

Mar 15, 2017 (0) comment , , , , , ,

Rush Purchase in Healdsburg, Sonoma County A past borrower of ours called me a couple of weeks ago, asking if I could help save her deal.  Unfortunately, it was about to fall out of Escrow due to a last minute hiccup by her conventional Lender. She was desperate, needing the money in less than 2…

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Property Refinance in Santa Clara, California

Mar 14, 2017 (0) comment , , , ,

Property Refinance in Santa Clara, California I work with many loan Brokers and Realtors.  One of my Brokers called with a transaction he needed to get done for a borrower on a rental property refinance. The clients needed a $770,000 first mortgage at 10% interest only for 2 years – and it was needed quickly…

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What Is a Bridge Loan – And How Is It Beneficial?

Mar 06, 2017 (0) comment , , , , , , ,

Real estate agents, investors, home buyers and home sellers are always interested in utilizing smart home buying strategies. A bridge loan is a type of creative financing that falls into the category of “smart home buying strategies”.  It is a short term loan, 12 to 18 months only.  It gets paid off with longer-term financing…

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Don’t Let The Doom & Gloom of The Weather Get You Down

Feb 28, 2017 (0) comment , , , ,

Let the Superheroes of “Not-Normal” loans raise  your spirits and increase your success rate!  We think outside the box to help you get those less than perfect real estate deals done. In today’s competitive market, one needs to be creative .  Home buyers need stronger offers and home sellers need more options.  The Superheroes of…

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How Strict Has Mortgage Lending Become?

Feb 23, 2017 (0) comment , , , , ,

There is a general belief today that lending requirements have become so restrictive that many lower-credit borrowers are dropping out of the mortgage market. The Home Mortgage Disclosure Act data discloses that 33% of all applicants in 2015 were in the lower-credit category compared to 62% in 2006 and 50% in 2000 – when the…

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Bridging The Gap For Sellers To Become Happy Home Buyers

Feb 15, 2017 (0) comment , , , , ,

Lack of inventory has real estate a bit muddled at the moment.  However, with bridge loans and short term loans, real estate activity can be increased and benefit those Home Owners who do want to sell. ● This type of financing removes the stress of having to get into contract on a new home before…

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Useful Investment and Real Estate Apps & Websites

Feb 08, 2017 (0) comment , , , ,

The internet has spawned several helpful apps for anyone involved in the real estate world.  I found some to be especially helpful, both in locating and in evaluating possible investment properties.  Below are some of the more notable ones: Bigger Pockets This app contains searchable forums where most every question that you can think of…

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