California's Hard Money Lender Since 1988

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Sun Pacific Investor Quarterly

A Newsletter for Investors in Trust Deeds

Volume 7 Issue 1   –   Integrity  •  Knowledge  •  Honesty   –   January 2017

Happy New Year !

Year in Review…

Let me start off the New Year by saying Thank-You to our Investors for your participation in making 2016 our biggest and best year ever of doing Hard Money loans!

In 2016 we funded 235 Hard Money loans. We funded $58,695,930 with the average loan size $249,769.  

It was a good mix of owner occupied loans, rental property loans, Bridge loans, Temporary Loans, small Commercial Loans and Land Loans.

We do loans state-wide.  

The top source for loans was our Past Borrowers.  That is truly a testament to our tremendous effort with customer service.  After that was referrals from other Lenders.  Then came Real Estate Agents.   

We took an average of 20 days to fund a loan.  

A good percentage of the loans were fractionalized meaning they were funded by more than 1 investor.   

January 11, 2017 marked the 29th Anniversary of Lynn and I doing home loans. Our son Ken was 7 years old at the time.  He was the 2016 Top Originator for our office, out of 2 Originators.  I came in a very close 2nd.   

2017 Goals and Purposes

One of the secrets to our success at Sun Pacific is that we have well thought out Goals and Purposes.  I’d like to share a few of them with you so you can know just who you are working with and know that those are in place for your benefit.  

  1. We have always worked to be expert in what we do.  That means staying abreast of the volume of regulations that apply to Hard Money.  We are active Members of the California Mortgage Association.  

That is a statewide organization specifically for Hard Money Lenders.  We attend the quarterly meetings which have the stated purpose to keep Members informed of regulations and how best to implement them.  We have a seasoned Hard Money Attorney always on retainer to answer any legal question(s) that may arise in our day to day operation.  

  1. I have subscriptions to RESPA News and the Dodd Frank Report, which I read .
  2. We do not have a “fund” nor do we “pool” investors.  We will do fractionalized loans.  
  3. We always use a third party escrow company, usually a big national company like Fidelity, First American, Old Republic, etc..
  4. We do not service loans (click here to see a list of servicing companies with good reputations).  

I thought that by knowing who we are, our association in funding loans could be greatly improved.   

Needed and Wanted

Hopefully, you now have a better idea of who we are. With this being a 2-way street, I’d like to hear what might be needed and wanted from you as an Investor. These could be suggestions on any aspect of our experience together with the idea of making it better.  Please take a moment and let me know.  I’d love to hear any thoughts, comments, suggestions, etc.    


Our office intends on surpassing last year’s production so keep your eyes open for our emails with TD Offerings!

We look forward to sending you great deals you can fund, deals you can refer friends and family to fund and juicy deals you can fractionalize on with others.

Forest & Ken
The Guys in the White Hats

Ken & Forest

Sun Pacific Mortgage & Real Estate

(707) 523-2099
800 Mendocino Avenue #2, Santa Rosa, CA 95401

CA BRE License # 01464899
NMLS # 360993