California's Hard Money Lender Since 1988

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Private Lending Filling the Mortgage Gap

May 20, 2016 (0) comment , , , ,

With Real Estate prices rebounding in California, it’s surprising to see banks still being cautious and lean only toward wealthier, lower-risk borrowers. This has left a widening gap in the mortgage industry between Lenders and potential Borrowers with less than perfect qualifications.  Mortgages in the U.S. last year totaled about 1.6 trillion, according to the…

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Recently Funded – Providing More Options

May 10, 2016 (0) comment , , , ,

Hard Money Provides … A Quick Close Multiple Options Shorter term loan Makes an impossible deal possible “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…

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What Is An Owner Occupied Hard Money Loan?

May 03, 2016 (0) comment , , , ,

Most Hard Money Lenders these days do not offer Owner Occupied financing programs, also known as a Principal Residence Loans, due to the amount of federal and state regulations that apply to them. Here at Sun Pacific Mortgage, we will always have this loan program available because of the important niche it fills for so…

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What Makes a Hard Money Loan a Good Loan?

Apr 21, 2016 (0) comment , , , ,

Hard Money loans are fantastic for short-term usage while investing in real estate. Depending on how it’s structured, a Hard Money loan can be available for as short as 3 months to as long as 5 years or longer. Traditional mortgage lending is often available for 10 years to up to 30 years. The real…

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Hard Money Loan of the Month – March

Mar 15, 2016 (0) comment , , , ,

Rush Santa Rosa home loan rescued after being stalled by another Lender This past month’s “Loan of the Month” is highlighted for a few reasons, the primary reason being the speed in which it arrived to my hard money office in Santa Rosa, and got approved to fund: 1 day! This principal residence home loan…

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Recently Funded – We Can Do Big Deals

Mar 10, 2016 (0) comment , , , ,

Not every Lender or Broker can fund Jumbo Loans nor can they rescue those troubled deals that just can’t seem to get loan approval. Give us a shot and see how good we can be! We have seen an increase in larger size loans, also known as Jumbo Loans (greater than $417,000), and in speaking…

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Do You Prefer Experience Over Caring Service?

Feb 26, 2016 (0) comment , , , ,

Honest and caring Brokers and Agents are important for any Buyer and Seller – for real estate and financial services. The below noted KCM article reminded me of a first time Home Buyer I worked with, who was from out of town, and they told me that they had decided to go with our company…

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Do You Know What Is Best For Your Home Buyer or Seller?

Feb 18, 2016 (0) comment , , , ,

Experienced real estate agents know they need to be familiar with the loan products out there for their buyers. There are really only a few loan programs: The government regulated (Fannie Mae/Freddie Mac, FHA, VA) In-House loans (credit unions and local banks) Alternative financing, also known as “Hard Money”   The biggest advantage to Hard…

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Get Your Hard Money Questions Answered Here….

Jan 26, 2016 (0) comment , , , ,

Even the most experienced conventional Brokers and Lenders might not know what a hard money loan is and how it can be beneficial to you…or them. I have lost count of how many Realtors, traditional Lenders, friends and acquaintances have asked me the same question: “What is hard money?”. Well, the article “Hard Money 101:…

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Hard Money Loan of the Month – April

Jan 22, 2016 (0) comment , , , , ,

Hard Money Loan of the Month By Ken Walker, Lead Loan Originator at Sun Pacific Mortgage & Real Estate 75% Loan to Value rehab loan in Oakland, California Last month a borrower called needing a short term loan on a distressed property in Oakland, which he wanted to fix up and sell (flip). He was…

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