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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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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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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Property Refinance in Santa Clara, California

Mar 14, 2017 (0) comment , , , ,

Property Refinance in Santa Clara, California I work with many loan Brokers and Realtors.  One of my Brokers called with a transaction he needed to get done for a borrower on a rental property refinance. The clients needed a $770,000 first mortgage at 10% interest only for 2 years – and it was needed quickly…

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Bridging The Gap For Sellers To Become Happy Home Buyers

Feb 15, 2017 (0) comment , , , , ,

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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