California's Hard Money Lender Since 1988

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We Fund Large Loans!

Aug 10, 2017 (0) comment , , , ,

Here at Sun Pacific Mortgage, we offer Hard Money financing for jumbo size loans and bigger, 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 qualifying for regular financing.  These are not issues with…

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How Much Do Utility Bills Add to Bay Area Homeownership Costs?

Aug 08, 2017 (0) comment , , , , , ,

Last month a Pacific Union Blog ran an eye-opening article on what the cost of utility bills added to homeownership in the Bay Area.  Surprisingly, the Bay Area’s utilities impacted the cost of owning a home far less on a percentage-point basis compared with the rest of the U.S! You’re probably saying, “That’s not my…

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Some Pitfalls to Avoid When Shopping For A Home

Jul 31, 2017 (0) comment , , , , , ,

To the uninitiated home buyer, the process of becoming a homeowner can be daunting.  But don’t let these cautions deter you from embarking on one of the best financial investments you might ever make.   Connect up to a local experienced Real Estate Agent and Lender to help you navigate snags that can cost you…

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Bay Area’s Hottest Spots for Home Flippers

Jul 25, 2017 (0) comment , , , , , , ,

A recent study done by ATTOM Data Solutions states some zip codes in the Bay are ranked among the nation’s hottest housing market for flippers. In the first two quarters of 2017 Contra Costa County, Santa Clara County, and Solano County were the locations that yielded the highest ROI for flippers.  Even though the Bay…

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Things You Might Overlook In Your Home Search

Jul 20, 2017 (0) comment , , , , , ,

You might think you have found your dream home, only to discover after you move in, that you missed some important “must-haves”.  I was reading a Realtor.com article recently and it was covering just this subject.   Some of these critical features, buyers might not consider when house hunting.  They may not be deal breakers…

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Superheroes Fund Not-Normal Loans

Jul 11, 2017 (0) comment , , , , , , ,

  Our “not-normal loans” have just 2 main qualifications: Decent existing equity or at least 25% down payment. An ability to repay the loan (source of income). Known as Hard Money, these loans might enable you to bring that superhero offer to a Seller or to be the superhero Agent for your client. Financing available for…

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Good News For Real Estate Investing

Jul 07, 2017 (0) comment , , , , , , ,

As a real estate Investor you are naturally concerned with the appreciation of your property.  Well, here’s some good news:  the Bay Area saw an average of 8 percent annual home price appreciation from January through April of 2017.  This information comes from Selma Hepp, Pacific Union’s Chief Economist.   Below is a summary of…

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Accomplish Your “Catch of the Day” With Hard Money

Jun 21, 2017 (0) comment , , , , , , , , ,

Investment Purchase Loan Daly City, California I had a Realtor and his Buyer call me, wanting a fast loan.  The Buyer didn’t want to miss out on a good property buy in San Mateo County.  He was able to do a 35% down payment but needed a $460K loan to complete the purchase. With our…

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Increase The Value Of Your Home

Jun 14, 2017 (0) comment , , , , ,

In a recent article published by The Pacific Union, there are some interesting statistics on the home remodeling dollars being spent in the Bay Area. It appears that it is at an all-time high. With housing inventory in shorter supply, many homeowners are opting to improve their present homes instead of risking selling and not…

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Broker and Buyer Loan Rescued

Jun 07, 2017 (0) comment , , , , , , ,

Corona, California Purchase Recently a Broker from Riverside County contacted me to help rescue a frantic client, who was trying to buy a rental property.  This particular Home Buyer was having difficulty getting approval elsewhere despite making excellent monthly income and having good credit (over 700 FICO). The problem was he was self-employed with difficult…

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