What a great time to be a Private Investor in real estate. Hard money loan borrowers have only been increasing since 2012, as it is the only game in town after their favorite Bank or Conventional Lender tell the Borrower “no”.

Property values are just continuing to rise. Becoming a Private Investor can earn you upwards of 13% in return by investing in mortgages. And by investing in real estate mortgages your investment is secured.

A Private Investor is also known as:
Private Mortgage Lender
Hard Money Investor
Hard Money Lender

These are all private individuals lending their money directly to the borrower with a promissory note with interest rates, points and prepayment penalties the investor sets, and securing that promissory note with a real estate mortgage.

Our family owned and operated Sonoma county company, Sun Pacific Mortgage & Real Estate, has been working with Private Investors since 1988 and we have become known for our integrity and honesty, throughout all of California.

We promote purchase loans as well as refinance loans and these can be at any Loan To Value up to 75%. With this down payment and equity in the property, the homeowner or real estate investor, is not likely to walk away from the property.  Many individuals have started or are continuing as a Private Mortgager Investor as they can secure a consistent monthly income from it.  It can be an excellent cash flow for someone retired or looking to set up their retirement funds.

A loan done through our office for a Sonoma County Home Buyer came to $196,000 with a rate of 12% and the Investor now gets a monthly return of $1,960.  This Homeowner is very happy and intends to refinance down the line for lower rate but gets the home they’ve been searching for!

Realtors, Brokers and Borrowers, for those who have a bankruptcy, short sale or foreclosure, have poor credit or difficult-to-prove income due to being self employed but have a decent down payment or existing equity, have come to know that they can most likely get a loan from us, despite being turned down elsewhere. We regularly have new and available trust deed offerings requiring funding.

Hard Money Investing in California is ripe. Time to jump on the bandwagon with Sun Pacific Mortgage & Real Estate and get a good taste!

If you are interested in investing with us then Call Our Office at (707) 523-2099.

California Mortgage Association Conference

Our office is a member of the CMA. It is the leading association for Hard Money Brokers.

We just returned from the 2016 CMA Winter Conference. Attendees included Hard Money lenders, lawyers, servicers, insurers and Hard Money lobbyists.

The purpose of the Conference is to keep Members abreast of the constantly evolving lending rules and regulations. This allows us, and you – as the Lender – to operate safely within the law.

We make it a point to attend all 4 Conferences offered per year.

I suggest you make sure any Broker you do your loans with is doing something other than the required continuing education to protect you as the Lender in Hard Money loans.

ITEMS of NOTE…

The Conference covered many relevant topics. Two items that have really come to the fore in our operation are 1. Servicing of loans and 2. Qualification of Investors.

Servicing Loans: Lynn and I have never serviced loans in our office and likely never will. For many Hard Money lenders it is a big profit center. It was just never our bag. We did though, provide certain elements of servicing as a customer service to our Investors. We’d make phone calls to late payers, write dunning letters if need be and really just gave service after the sale.

It has come to the point now though, that our counsel to Investors is to definitely have the loan serviced. Especially with the volume of Dodd/Frank regulations, many of which apply to what you as the Lender must comply with in administering that loan after close of escrow.

The suggestion is a little self serving too, as it would take the burden of that follow up out of our hands and place it in the hands of a qualified and licensed Servicing company. Because, to be honest, it is time consuming considering the volume of loans we now do in my office and the number of Investors we have on the books.

It is peace of mind for $20 per loan, per investor. That is what is charged by Superior Loan Servicing, to whom we refer to the most. They are on top of the laws that apply to handling Borrowers on loans during the term of the loan and its ultimate reconveyance. You can also check with Redwood Trust Deed Services, Inc.

If you have questions regarding servicing, you can call me for further information or better yet, go to www.superiorloanservicing.com and /or www.redwoodtrustdeedservices.com.

Ask us to set up your next loan for servicing.

Qualification of Investors: In the past, if you had some money and said yes to a Trust Deed Offering, we put you into that loan as the Lender. As of January 1, 2013, the BRE mandated we qualify Investors. They came up with BRE Investor Questionnaire Form 870.

As the Broker, I must have that current form in your file in order for you to be the Lender on a Hard Money loan. I have to make a judgment call, based on that Form 870, as to your ability to be an Investor. It must be renewed every 12 months to determine your further ability to qualify as an Investor in Trust Deeds.

I mention it, because we have instituted a policy of follow up on this Form 870 in our office. It is a necessary evil for you as the Lender. So if Team or Team calls to get this form updated, it’s the law!

Hello to all Current, New and Potential Private Investors;

Becoming a Private Investor can earn 8% to 13% in return!

By investing in real estate mortgages your investment is secured. Investing in mortgages isn’t only buying or selling of mortgages at a discount. It includes directly lending your [hard] money to individuals and securing that loan with a mortgage against their real estate.

California Borrowers who have poor credit, want to buy a dump property to fix up or difficult-to-prove income due to being self employed get turned down elsewhere.  But, if they have a decent down payment or existing equity, they know that they can most likely get a loan from us, and this is where you would come in.  We send out regular Trust Deed Offerings throughout the week for primarily 1^st mortgage, some 2^nd mortgages, on purchases and refinances and bridge loans for investment properties, owner occupied or principal residence properties and sometimes land and commercial properties.  We then work with those private investors who want such trust deeds.

We have the experience and sincere desire to help, so can make it easier by walking you through your trust deed investments. There are exact regulations to be an investor but it is easier than you would think.

As the Broker of Sun Pacific Mortgage and Real Estate, I have worked with hundreds of individuals since 1988, who were interested in investing in California real estate, for regular monthly, monetary returns.  The majority are still with us today, as we have become known for our integrity and honesty.

We are looking for more Investors. If you or anyone you know is interested in real estate investing, please send us a message through our website, below, or, call us at (707) 523-2099. 

Do you want to know more?  Click here to learn more about private investing:  https://www.sunpacificmortgage.com//tips-to-become-a-real-estate-investor/