California's Hard Money Lender Since 1988

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Get Ready For Spring!

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

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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 , , , , , , ,

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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 , , , , , ,

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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 , , , , , , ,

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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 , , , , , ,

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

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

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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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How Strict Has Mortgage Lending Become?

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

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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 , , , , ,

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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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Why Invest in Real Estate?

Feb 07, 2017 (0) comment , , , , , , ,

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The fallout from the recession left some investors less likely to look to the real estate sector as an option for wealth growth.  However, we have witnessed a radical change in the economy and as a result, real estate has once again regained its rightful place as a solid investment in today’s financial world. Unlike…

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Jump Start Your Real Estate Project With Hard Money Loan

Feb 02, 2017 (0) comment , , , , ,

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If you need funds to purchase a property to rehab, buy more investment properties, or buy your own home, hard money lending may be the solution for you. Hard money lenders primarily look at assets instead of credit scores.  In most cases, if you have at least 35% to put as a down payment or…

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