California's Hard Money Lender Since 1988

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Alternative Financing Programs

Apr 25, 2017 (0) comment , , , , , , , ,

Hard Money Loans in General: Only 2 qualifications for the following loan programs: 1. Decent existing equity or at least 20% down payment; 2. An ability to repay the loan (source of income); Normal turn-around time – 1-1/2 to 2 weeks. Loans from $150,000.00 to $1.5 million. Bridge or Temporary – Owner Occupied and Investment…

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5 Day RUSH Loan Funding for Condo in Sacramento

Apr 21, 2017 (0) comment , , , , , , ,

Last month a Conventional Lender called us on behalf of one of their borrowers who had just been turned down for a conventional loan, 3 weeks into their 4 week purchase agreement for a condo in Sacramento.  To say the least, the home buyer was distressed and a bit hopeless. The purchase price was $285,000…

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What Are Homeowners’ Biggest Concerns?

Apr 20, 2017 (0) comment , , , , , ,

Buying a home in California is one of the biggest purchases we will most likely make in our lifetime. There was a good article recently from Pacific Union about homebuying (see link below). This experience is a major investment in time, money, and emotions.  The process can definitely be intimidating for first time home buyers,…

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Home Loan Saved in Redwood City, CA

Apr 14, 2017 (0) comment , , , ,

Last month I received a call from a borrower in Redwood City whose parents had recently passed away.  They had a reverse mortgage and he was given only a few months to pay this off or lose the house.  Needless to say, this was a stressful time for the caller.   Because of credit issues…

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We Make Big Deals Happen

Apr 11, 2017 (0) comment , , , , ,

  We offer Hard Money financing for jumbo size loans with qualifications that are more forgiving than traditional and conventional financing. Hard Money loans are the answer for someone with irregular income, tarnished credit, needs fast cash or property not qualify for regular financing.  These are not issues with us. Recently Funded Jumbo Loan Location:…

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Get Ready For Spring!

Apr 06, 2017 (0) comment , , , , , , ,

The National Association of Realtors (NAR) recently reported that the top 10 dates Sellers listed their homes in 2016 were mostly all in April, May or June.  If you are considering taking advantage of this “real estate season”, it is time to examine your best mortgage options.   If you should find yourself in a…

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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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