Our Direct Private Money loans can get that refinance or purchase loan done when a traditional Lender unfortunately cannot. And, we can QUICKLY FUND!
Call us at 707-523-2099 today or visit our website www.sunpacificmortgage.com for any questions or scenarios you have. We’ll get back to you quickly to see how we can help you or someone you know.
At Sun Pacific Mortgage we resolve lending issues – for investment properties & primary residences alike! We’ve helped many Brokers, Lenders and their Borrowers find a comfortable way out of seemingly impossible situations, like we recently did below:
Program: Investment Property – Consumer Purpose Loan
Loan Size: 1.4 million
Location: Los Angeles County
Why Came To Us: Borrower with FICO issues wanted to pull cash out of the equity he had in a rental property, to do some needed debt consolidation and improve his credit. As we don’t have credit requirements, we quickly got his loan approved by our Private Investors and funded within 12 days!
If you or someone you know are looking for a fast resolution to a purchase or refinance issue, visit our website at www.sunpacificmortgage.com or give us a call at 707-523-2099 to see how our Private Money programs can help!
Private Money – The Bridge To A Future HomeAfter 34 years of experience, we are specialists at helping bridge the distance for individuals who need additional financing to buy a new home, before selling their current house. Let us help you or someone you know with our popular Private Money Bridge loan program, like we did below.
Program: Bridge Purchase
Loan Size: 1.4 million
Location: San Luis Obispo County
Reason Came To Us: A Mortgage Broker brought his Borrower to us for some fast help. Their financing was disapproved by underwriting at the last minute due to debt-to-income ratio being a bit too high. This wasn’t an issue with our programs due to the great equity in his current house. As we have no DTI requirements, we were able to rapidly get him approved and loan fully completed in just 13 days!
Visit our website at www.sunpacificmortgage.com or call today 707-523-2099 so we can let you know what we can do to help you or someone you know bridge the distance to a future home!
Just as the pandemic put a temporary damper on the housing market, so too did the jump in mortgage rates. But just as the economic shut down didn’t have a lasting effect on the market, neither will this increase in mortgage rates. And the reason is the same – very little inventory. There are still more Buyers than Sellers and that is driving the market right now.
Despite the slight increases in interest rates, and decreases in inventory, it doesn’t necessarily mean the market is going down. Because Builders have not built enough housing and interest rates remain relatively low, it is thought that the industry might slow, but not fall.
Waiting can be a gamble in this game of real estate. Even if you wait to purchase with the thought that prices could be coming down, if rates increase it will all be for nothing. And renting will not be a cheaper option in the long run.
The market is stable. It hasn’t been driven by Investors, Flippers, and bad mortgages, but by legitimate Buyers. While demand may slow down eventually, there are no signs of prices going down anytime soon.
If you need a loan fast or have not qualified for a conventional loan, consider a privately funded mortgage through Sun Pacific Mortgage. Give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com if you are purchasing or refinancing in California.
We’re Direct Lenders – The Guys In The White HatsTake advantage of our Private Money Programs if you are in need of FAST financing. We can also help if their debt-to-income ratio is too high or you’ve been turned down by another lender for any reason.
We’ve funded many loans in less than 1 week. No credit requirements. And with over 34 years in business, we’ve helped thousands of individuals get the financing they wanted!
Give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com to see what our Private Money Loan Programs can do to help!
Our Hot Private Money ProgramAre you just short of qualifying for your traditional “A-paper” loan for a refinance or purchase? Let our HOT Alt-A Private Money loan program help!
FAST approvals and fundings – even when turned down elsewhere! Check out a recent scenario below:
Program: Business Purpose Refinance
Loan Size: $950,000
Days To Fund: 12 days
Location: Los Angeles County
Reason Came To Us: Debt to income ratios too high so her conventional Broker brought her to us. This Borrower was looking to get cash out of her primary residency to further expand her business. This was no problem for us! With good LTV and credit, we were rapidly able to get her loan done.
If you are trying to refinance or purchase but don’t qualify for a conventional loan just yet – let us help! We have this HOT Alt-A Private Money loan program with lower rates, so call us at 707-523-2099 or visit our website at www.sunpacificmortgage.com and we’ll quickly get back to you.
At the top of the question list for Buyers last year and this year is, “Why is it so hard to find a house to buy?” Simply stated: The number of Buyers greatly outstrips the homes available for sale. There are two main reasons the housing supply is low and what it may mean for you:
Even today, Buyers find themselves looking at scant inventory and higher prices. Offers exceed listing prices by a considerable margin. Basically, inventory is still low. Still, you shouldn’t put your plans to buy on hold because you are waiting for additional houses to hit the market. With prices continuing to rise and construction materials becoming ever harder to obtain, that could end up being a longer wait than makes sense.
If you need a loan today but can’t meet the stiffer qualifications of a conventional loan, give Sun Pacific Mortgage a call at 707-523-2099 or email us through our website at www.sunpacificmortgage.com, to discuss a Private Money loan mortgage. We have helped thousands of Californians over the past 34 years to purchase or refinance their own residence or a rental property. We can make your offer look better than others with a fast, all-cash close, often closing in 1 week to 1 month!
Home Loans Made Easy with Private MoneyHave you or someone you know been turned down for a loan at the last minute?
We specialize in providing direct and fast financing for Owner Occupied/Primary Residences as well as Investment Properties. Credit issues, difficult-to-prove income, property doesn’t qualify – not a problem with us! See recent examples below:
If you, or someone you know, has been turned down by another lending institution, we can work with you to help get a fast Private Money loan! Visit our website at www.sunpacificmortgage.com or give us a call to 707-523-2099. We’ll quickly let you know what we can do to help.
The short answer to this persistent question is, “Nobody knows.” This statement comes from Edward Seller, Associate Vice President for Housing Economics at the Mortgage Bankers Association.
So, where does that leave the everyday Homebuyer with rents soaring faster and steeper than mortgages? One Redfin Realtor said that she hears people are more worried about the stock market, rather than mortgage rates because they believe housing will be a better investment. Many Buyers see that the time is right for going all-out in bidding for scarce housing right now before it gets worse.
This anxiety regarding the unpredictability of rising rates explains the reason the housing market has not cooled yet and explains the surge in Buyers trying to get ahead of those higher rates now.
But do you keep getting turned away by other Lenders? Sun Pacific Mortgage has the answer with our Private Money loan programs: home or land purchases, refinancing, and bridge loans for business or commercial purposes. We have hundreds of Real Estate Investors who can finance your housing loans even if you do not qualify for conventional lending. Even poor credit, bankruptcy and less-than-perfect properties are not show-stoppers for our mortgage qualifications. Give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com to discover a possible road to homeownership for you in these unpredictable times.
Bridge The Distance with Private MoneyDo you or someone you know want to consolidate debt? How about upgrade your house, purchase a rental for additional income, get your kid set up for college, etc.?
Then you may just want to take advantage of our FAST Private Money loan programs!
We can help bridge the distance between the problem and the solution – like we did for the Borrower below:
Program: Owner-Occupied Temporary Loan
Loan Size: $735k
Days to Fund: 11 days
Location: Orange County
Reason Came To Us: Borrower was turned down by two other conventional lenders because of her debt-to-income ratios. She was already in contract to buy a property but now had no financing. This Borrower wanted to access the equity in her current home, to purchase an investment property that would offer her great return each month. She needed a fast solution to her problem which is where we came in to bridge the distance and get her loan done. Funded fast, both Buyer and Agent were grateful for our program!
Private Money can be a new beginning for anyone trying to purchase a home, a new investment, or to pull additional cash out of their existing equity. If your Buyer gets turned down, call us at 707-523-2099 or visit our website at www.sunpacificmortgage.com and we’ll quickly respond with what we can do to bridge the distance to get that loan done!
