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Why Invest in California Trust Deeds?

2022 05 Msr 1 The Short Answer To That Question Is Wouldn’t You Want Your Investment Money To Gain Upwards Of 12% Or More Interest? There Are Very Few Stocks Or Bonds These Days Paying Such Handsome Interest.The short answer to that question is wouldn’t you want your investment money to gain upwards of 12% or more interest? There are very few stocks or bonds these days paying such handsome interest.

What are trust deeds? Trust deeds (mortgages) are investments in a loan, secured by real estate, directly to the borrower. Rather than putting your money in a bank and having the bank make the real estate loan, private investors actually make the loan directly. The trust deed investment business is huge in California.

There are two ways to invest in trust deeds: One is through a mortgage fund (like a mutual fund), the other is by investing directly in trust deeds through a licensed mortgage broker.

With a hard-money mortgage fund, also known as private money, you are investing with many other shareholders in real estate for which you do not need to be directly responsible.  Sounds good, right? Except, that just about every hard money mortgage fund in history has failed horribly during the regular real estate crashes that seem to hit every ten to fourteen years.

Sun Pacific Mortgage has been in the trust deed business in California for over 35 years. Our investors finance trust deeds directly through a legitimate mortgage broker. In this case, once the borrower and property are vetted and equity determined, the investor is directly lending to the actual borrower on a specific piece of property.

Then you make the monthly return on investment as the borrower makes their payments.  If you are interested in participating in such an investment, reach out to Sun Pacific Mortgage via their website at www.Sunpacificmortgage.com or by phone at 707-523-2099 to find out more.

Roping In That Loan Size & Speed Ya Need!

Bull Wrangling Get Your Ropes Around That Stubborn Loan By Taking Advantage Of Our Private Money Programs.  With Funding Options Over 2 Million, After 35 Years We Still Have Not Run Out Of Money And Are Ready To Quickly Work With You To Get Your Real Estate Loan Funded - Just Like We Did Below:Get your ropes around that stubborn loan by taking advantage of our Private Money Programs.  With funding options over 2 million, after 35 years we still have not run out of money and are ready to quickly work with you to get your real estate loan funded – just like we did below:

Recently Funded

Program: Owner-Occupied Purchase
Loan Size: 1.72 million
Location: Contra Costa County
Why Came To Us: Self employed with difficult to prove income.

Program: Business Purpose Refinance
Loan Size: 780k
Location: Sacramento County
Why Came To Us: Wanted to do debt consolidation on business debt & on high interest rate credit cards to repair FICO.Program: Investment Property Refinance
Loan Size: 950k
Location: Alameda County
Why Came To Us: Debt to income ratio higher as Borrower owned multiple properties and flipped houses.

We work many Borrowers to help get the refinance or purchase financing they need – FAST – and despite being turned down by their Local Lender.  Visit our website at www.sunpacificmortgage.com or give us a call at 707-523-2099 with your scenario to see how we can help you or someone you know wrangle up that needed loan!

BIG And FAST With Our Private Money Loans!

Wild Ride Getting Financing Turned Down At The Last Minute Or Loan Taking Too Long? End The Wild Ride And Get Financed With One Of Our Direct Private Money Programs.

Turned down at the last minute or loan taking too long? End the wild ride and get financed with one of our Direct Private Money Programs.

So how our Private Money loans can help you or someone you know just like was done below:

Recently Funded

Program: Investment Property Cash-Out
Loan Size: 885k
Location: Los Angeles County
Why Came To Us: Difficult to prove income as self-employed

Program: Investment Property Purchase
Loan Size: 804k
Location: Marin County
Why Came To Us: Recent divorce created debt and credit issues that the borrower wanted to consolidate so could repair both.

Program: Owner-Occupied Refinance Business Purpose
Loan Size: 625k
Location: Sacramento County
Why Came To Us: Business loan coming due and still had FICO issues to handle before qualifying for conventional financing.

If you or someone you know needs fast financing or you’re having difficulty proving income or otherwise turned down, we have the answer! Visit our website at www.sunpacificmortgage.com us at 707-523-2099 and we will get back to you with how we can help.

What is a Housing Market Correction?

Housing Correction Crash, Bubble, Correction; These Are All Phrases You Will Hear Tossed Around When It Comes To Real Estate. More Popular In Recent Months Is The Term “Correction.”  Most Real Estate Experts Are Describing The Present Condition Of Our Market Today As A Housing Market Correction.

Crash, Bubble, Correction; these are all phrases you will hear tossed around when it comes to real estate. More popular in recent months is the term “correction.”  Most real estate experts are describing the present condition of our market today as a housing market correction.

While there is no official definition of what makes a housing market correction, it is generally described as a condition when homes get too expensive, or consumers can no longer afford them. At that time buyers stop purchasing real estate and the market must adjust to spur buying activity once again. Much like the old adage, “What goes up, must come down.”

A housing market correction is when home prices experience a moderate decline following a period of rapid growth. The purpose of a correction is to naturally adjust prices in line with affordability, demand, and supply, thus restoring a more sustainable and balanced state to the market. The length of time the market remains in this correction condition may be anywhere from a few months to a year or more.

A housing market correction and a housing crash are not the same thing. With a correction, things are simply coming back into balance. Prices may fall slightly, whereas in a crash, prices fall more significantly and usually unexpectedly.

It is expected that there will be a mild price softness through the end of this year. This is described as a 0.6% dip in the typical sales price in 2023 compared to 2022.

Because of the limited housing supply, we may not see substantial home price declines even though affordability is far below recent norms.

If you or a client are hoping to purchase or refinance during this correction phase, but can’t qualify for a conventional loan, Sun Pacific Mortgage is here to help with a privately funded loan. Simply give us a call at 707-523-2099 or find us at www.sunpacificmortgage.com.

North Bay Real Estate Statistic Comparing March 2021 to June 2023

Northbaycomps In The July 24, 2023 Issue Of The North Bay Business Journal, There Were Several Charts Comparing The State Of Real Estate In Four North Bay Counties: Napa, Solano, Marin &Amp; Sonoma, Between March 2021 And June 2023.

 

In the July 24, 2023 issue of the North Bay Business Journal, there were several charts comparing the state of real estate in four North Bay Counties: Napa, Solano, Marin & Sonoma, between March 2021 and June 2023.

While listings may be shrinking and the median days on the market may be lengthening, the median price of homes has maintained almost all the appreciation it acquired over the past two years.

NAPA

  • New Listings: Mar.2021=178, June 2023 =130
  • Total Listings: Mar.2021 =353, June 2023 =356
  • Median Sales Price: Mar.2021 =$1,359,000, June 2023 =$1,697,500
  • Median Days on Market: Mar.2021 =60, June 2023 =66

SOLANO

  • New Listings: Mar.’21-504, June ’23-388
  • Total Listings: Mar.’21-651, June ’23 823
  • Median Sales Price: Mar.’21-$521,975, June ’23-$626,000
  • Median Days on Market: Mar.’21-26, June ’23-37

MARIN

  • New Listings: Mar.2021 =356, June 2023 =264
  • Total Listings: Mar.2021 =466, June 2023 =543
  • Median Sales Price: Mar.2021 =$1,350,000, June 2023 =$1,425,500
  • Median Days of Market: Mar.2021 =41, June 2021 =53

SONOMA

  • New Listings: Mar.2021 =690, June 2023 =440
  • Total Listings: Mar.2021 =1104, June 2023 =1035
  • Median Sales Price: Mar. 2021 =$822,000, June 2023 =$1,124,000
  • Median Days on Market: Mar.2021 =42, June 2023 =47

Whether you are a potential home buyer or you are an investor looking for a solid real estate investment to grow your wealth, Sun Pacific Mortgage family team could be the perfect match for your needs.

As an Investor, you can co-invest or individually invest for higher returns, as high as 12% at times. We have been in business for over 3 decades now, offering private mortgages to those in need of fast mortgages and to borrowers who don’t qualify for a conventional loan because of a variety of reasons.  Email through our website, give us a call at 707-523-2099 or find us at www.sunpacmortgage.com.

 

How About Some Fast Home Financing?

Image1 We Finance Both Primary And Investment Properties With Our Fast Private Money Loan Programs – See Below For Our Wave-Breaking Speed, Local Loan Of The Week!Let’s Have Some Fast Financing!

We finance both Primary and Investment properties with our FAST Private Money Loan Programs – See below for our wave-breaking speed, local loan of the week!

Local Loan of the Week

Program: Owner-Occupied Bridge Purchase
Days to Fund: 9 days
Amount: $739,000
Location: Sonoma County
Why Came To Us: A local Lender reached out to us for some quick help with a Homebuyer.  They were in Escrow when their conventional Underwriting turned down the previously approved home loan, due to last-minute issues that popped up on the appraisal.  Buyer of course didn’t want to lose their large down payment & their Lender didn’t want them to miss out on a dream home –  so they came to us for a fast solution!  Within just 9 days, we provided the needed purchase funds to Escrow and Buyer had keys in hand to their new home!

Continuing our 35+ year Private Money Lending legacy, we are here if you need us! Visit our website or call 707-523-2099 with questions or scenarios and we’ll let you know what we can do to quickly help.

Some Rules of Real Estate Investing

2 3865 Jpg Scaled If You Are Looking For A Pathway To Passive Real Estate Investing, Give Sun Pacific Mortgage A Call. We Offer Trust Deeds In Well Vetted Properties In California And Hawaii. As Little As $100,000 Can Have Your Earning Interest As High As 12% Or Higher.

Real estate is the only investment where you can actually borrow other people’s money to purchase and own an income producing property.  As long as you have positive cash flow overall in your portfolio, you can buy as much income property as you can.  Leverage is a very powerful concept and real estate is probably the best place to leverage your investment capital because it’s a hard asset while fulfilling a need called housing. The following are some hard-earned rules presented by Marco Santerelli of Norada Real Estate, that we felt were informative enough to share:

  • Be informed regarding the market. There is a lot of truth in the saying, “The more you learn, the more you earn.”
  • Set investment goals, not wishes. You are far more likely to achieve financial independence if you write down clear, specific, and detailed goals than not doing anything at all.
  • Never speculate. Always invest with a long-term perspective in mind.
  • Don’t chase appreciation. It will happen in the right market and the right neighborhood because real estate is a hard asset made up of commodities and over time it will appreciate because of inflation.
  • Keep in mind that the equity growth in the property will always far surpass the cash flow.
  • Don’t be married to any particular market. Each and every market is local and will move up and down completely independently of one another due to various local factors.
  • Always first choose the market, the city, the town that you want to focus on based on the health of that market and the local economy.
  • It [can be] wise to have a management company handle your real estate investments. It can be a tough, full-time job and your time is more valuable and should be spent on things more important to you.

If you are looking for a pathway to passive real estate investing, give Sun Pacific Mortgage a call. We offer trust deeds in well vetted properties in California and Hawaii. As little as $100,000 can have your earning interest as high as 12% or higher.

You can find us at www.sunpacificmortgage.com or call us at 707-523-2099.

Hot Bridge Loan Financing – Available Now!

Alt A Private Money Program 2 With Our Fast &Amp; Flexible Bridge Financing Program, Real Estate Activity Can Be Increased And Benefit Many Homebuyers!  See Below For A Few Of The Hot Benefits:HOT SUMMER BRIDGE LOANS!

With our fast & flexible Bridge financing program, real estate activity can be increased and benefit many homebuyers!  See below for a few of the hot benefits:

  • Remove the stress of having to get into contract on a new home before one sells your current house.
  • Purchase offers can be extra strong as private money is the next best thing to an all-cash offer.
  • Buyers can close fast as we can fund fast (7 days or less to close)!

Call us at 707-523-2099 or visit our website at www.sunpacificmortgage.com back with any questions or scenarios – we’ll quickly get back to you with what we can do to help.

Home Prices in the San Francisco Have Begun to Rise Again

Shutterstock 1401527726.0 Jpg Housing And Financial Markets Have Always Run In Cycles, Both Economic And Psychological, But Ever Since The Days Of The Gold Rush The Bay Area Has Always Rebounded.Housing and financial markets have always run in cycles, both economic and psychological, but ever since the days of the Gold Rush the Bay Area has always rebounded.

Patrick Carlisle, chief market analyst at real estate firm Compass, stated that the Bay Area has seen four major booms over the last four decades each marked by a period of “irrational exuberance”, or skyrocketing prices with seemingly no end in sight, and then followed by a market correction.

April, May, and June are typically the busy season for real estate.  True to form, agents and economists have seen a slight uptick in the past couple of months as we recover from the slump over the last year that followed the huge boom in home prices during the pandemic.

There has been a definite uptick in buyer activity, open houses and offers. Savvy buyers are looking to lock in a lower price point for their home now since they can always refinance their mortgage rates later, a smart strategy of experienced buyers.

Some Bay Area counties are rebounding faster than others. Solano, Marin, Sonoma, and Napa counties each saw an increase in home values over the last month, while Santa Clara, San Francisco, San Mateo, Alameda, and Contra Costa saw a slight decline.

San Francisco has seen a larger decline than the surrounding counties due to the work-from-home trend of the pandemic. Downtown San Francico is the weakest market within the city, but it provides an opportunity to those who believe that it will ultimately rebound.

So, real estate remains a smart investment for homeowners and investors alike.  If you are looking to refinance or purchase and need faster financing or cannot qualify for a conventional loan, give Sun Pacific Mortgage a call at 707-523-2099, or reach out via our website.

We Can Help –  Despite Being Turned Down Elsewhere!

Trsued For Over 3 Decades, Hand Shaking

If you or someone you know is trying to refinance or buy a house and needs this done fast or is having difficulty elsewhere, we can help.

At our family owned and operated company, we have helped well over 10,000 Borrowers/Buyers with our FAST Private Money Programs – just like we did below:

Loan of the Week

A Buyer and her Broker from Santa Clara County reached out to us, desperate to save a home purchase. The Buyer was in Escrow but had just been turned down by Underwriting, due to some last-minute credit issue.  A loan of 1 million was needed immediately and with the Borrower’s big down payment and lower LTV, we quickly got this loan approved and funded in just 11 days!

If you find yourself in need of fast financing or just having difficulty elsewhere getting a mortgage, give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com.  With 35 years in business, we’ll quickly let you know what we can do to help!

 

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