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How To Wrangle that Big and Fast Financing?

April 13, 2023

Bull Wrangling Get Your Ropes Around That Stubborn Real Estate Loan With Our Direct Private Money Programs!  With Funding Options Up To 1.5 Million, After 35 Years We Still Have Not Run Out Of Money And Are Ready To Quickly Work With You To Get Your Purchase Or Refinance Funded, Just Like Below:Get your ropes around that stubborn real estate loan with our Direct Private Money Programs!  With funding options up to 1.5 million, after 35 years we still have not run out of money and are ready to quickly work with you to get your purchase or refinance funded, just like below:

Recently Funded

Program: Owner-Occupied Bridge Purchase
Loan Size: 1.1 million
Location: Contra Costa County
Why Came To Us: Debt to income ratio high as borrower wanted to buy a new home prior to selling their current house.

Program: Owner-Occupied Business Purpose Refinance
Loan Size: 780k
Location: Marin County
Why Came To Us: Had a bankruptcy on record and wanted to consolidate high-interest business debts to improve credit.

Program: Investment Property Purchase
Loan Size: 780k
Location: Monterey County
Why Came To Us: Property needed some repairs and updates so couldn’t qualify for conventional or traditional financing yet. 

It’s not our first rodeo!  At Sun Pacific Mortgage, we help Borrowers in California finance their real estate needs – fast.  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 in that loan!

Investing in Deeds of Trust Versus Banks

April 4, 2023

Invest Regulators Seem To Have Helped Avoid A Global Financial Contagion After Recent Bank Crises In The U.s. And Switzerland, But Investors Remain Unconvinced That The Global Economy Is Sound.

Regulators seem to have helped avoid a global financial contagion after recent bank crises in the U.S. and Switzerland, but investors remain unconvinced that the global economy is sound.

With all the unrest in banks and the general economy, investors are once again turning to real estate as a safe haven for their money.  Real estate investments have polled consistently as the safest investment for those intent on growing and preserving their wealth.

A popular investment strategy among many investors has been the private money lending sector, or trust deed investing. With this type of financing, the investor lends a mortgage to an individual allowing he/she to purchase or refinance property.

Among the advantages of trust deed investing, is the passive nature of this investment. The lender becomes the recipient of monthly interest and/or principal payments without the hassle of rental problems.

If the borrowers are thoroughly vetted, as they are with Sun Pacific Mortgage, the negatives are few. And if the investor opts for a servicing company to handle the collection of funds monthly and any legal issues that might arise, the investor can sit back and enjoy the financial benefits of a high interest loan without the problems associated with other real estate investments.

Our investors are the backbone of our business. The appreciation felt is mutual. While we continue to supply them with profitable opportunities to place their finances in safe real estate investments, they continue to grow their wealth and diversify their portfolios.

If you are interested in becoming an Investor through our family owned & operated company of more than 35 years, call us at 707-523-2099 or reach out through our website at www.SunPacificMortgage.com

Go Full Speed – Loan of the Week!

March 30, 2023

Bucking Horse Promo Update Copy Need Financing For A Home Purchase? How About A Quick Refinance Or To Pull Equity Out Of Your Current Home?  Get Full Speed Ahead With Your Real Estate Plans, Using Our Direct Private Lending Programs!Need financing for a home purchase? How about a quick refinance or to pull equity out of your current home?  Get full speed ahead with your real estate plans, using our direct Private Lending Programs!

Loan of the Week

Program: Investment Property Jumbo Refinance
Loan Size: $1.1 million
Days To Fund: 11 days
Location: Contra Costa County
Reason Came To Us: Broker came to us with a Borrower who wasn’t qualifying for their program due to debt-to-income ratio being too high.  They were looking for some fast refinancing of a Jumbo loan.  We had no problem with this and quickly gathered the needed items, got fast loan approval and the transaction completed within 11 days!

Send us your scenario now or give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com.  Let us help you or someone you know go full speed ahead, with a fast Private Money loan.

Fast Home Financing Now. Saddle Up!

March 23, 2023

Quick Financing Direct Programs Quick Financing By The Fastest Funders In The West! Saddle Up And Take Advantage Of The Speed That Sun Pacific Has To Offer:Saddle Up For Fast Private Money Loans!

Quick Financing by the Fastest Funders in the West! Saddle up and take advantage of the SPEED that Sun Pacific has to offer:

  • Fast Closes: 10 days or less
  • Turned Down Elsewhere – We Can Help
  • Trusted by over 10,000 Borrowers
  • Family Owned & Operated for 35 years

Loan of the Week

Program: Investment Property Refinance
Loan Size: 995k
Location: Monterey County
Days To Close: 9 Days
Reason Came To Us: Borrower came to us as after Underwriting withdrew their loan approval shortly before they were to sign their refinance.  There was some issue with proof of income and the Borrower was mid construction on a house and needed fast financing to complete the project.  We quickly got his loan approved and funded in just 9 days.

If you or someone you know needs fast financing or you’re having difficulty proving income or otherwise turned down, we have the answer.  Our Private Money programs make it easy to get that loan done and make you happy! Give us a call at 707-523-2099 or email us with your scenario to see how we can help.

Get Extra Luck – It’s Almost Saint Patrick’s Day

March 16, 2023

Image1 Bringing You Extra Luck For A Happier Saint Patrick'S Day! Use Our Private Money Loan Programs For:Be Extra Lucky This Saint Patrick’s Day
* Fast Home Loans With Us*

Bringing you extra luck for a happier Saint Patrick’s Day! Use our private money loan programs for:

  • Fast Fundings & Closings – 10 days or less
  • Loan Approval Despite Being Turned Down Elsewhere

After 35+ years in business, we continue to work hard to get the real estate financing our Borrowers need.

Call us at (707) 523-2099 or visit our website at www.sunpacificmortgage.com with your questions or scenarios – and we’ll let you know just how lucky our Private Money programs can be.

A Quick View of 2023 Markets for: San Francisco & the Peninsula Real Estate

March 7, 2023

Housing InventoryReceived another informative article from Val Krysov, long-time Real Estate Broker about the Bay Area’s real estate market.  Summarizing his and other recent articles about San Francisco real estate, we can see declines in sales and values have been predicted. However, based on the latest statistics for sales of single-family and condo residences at the start of the year, there’s no obvious signs of deceleration.  Val’s data supports the market still being strong:

San Francisco Single-Family residences:

  • Ave. sales price: $1,848,077
  • Days on market: 46
  • For sale at end of month: 218
  • Sold: 93

Menlo Park Single-Family residences:

  • Ave. sales price: $3,337,900
  • Days on market: 25
  • Sales price=asking price

Belmont Single-Family residences:

  • Ave. sales price: $1,870,000
  • Days on market: 41
  • Sales price=4% above asking

San Carlos Single-Family residences:

  • Ave. sales price: $2,242,000
  • Days on market: 39
  • Sales price=2% above asking

San Mateo Single-Family residences:

  • Ave. sales price: $1,743,769
  • Days on market: 30
  • Sales price=2% above asking

Burlingame Single-Family residences:

  • Ave. sales price: $2,296,875
  • Days on market: 34
  • Sales price= 2% above asking

This report does not bear out some of the more depressing forecasts touted by the predictions. Perhaps, because of the lack of inventory in these cities we are not seeing prices drop as precipitously as they might and Investors and homebuyers still see these areas as strong real estate investments.

If you have a homebuyer or borrower looking to buy or refinance in the San Francisco Bay Area, and they are in need a private mortgage because they do not qualify for conventional or traditional financing, or just need some FAST mortgage help, give us a call at 707-523-2099 or find us through our website at Sunpacificmortgage.com.  We have helped thousands of borrowers in California for over three decades and we work with Brokers and Agents.

Big, Fast, and Direct – Recently Funded!

March 2, 2023

Image6 1 End The Wild Ride And Get Real Estate Financing With One Of Our Direct Private Money Programs.Our Private Money Loans Do BIG and FAST!

End the wild ride and get real estate financing with one of our Direct Private Money Programs.

Purchase or Refinance mortgage taking too long?  Or being turned down at the last minute?  Let us help you or someone you know fulfill the need for BIG and FAST lending, just like we did for the Borrowers below:

Recently Funded

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

Program: Property Purchase
Loan Size: 904k
Location: Marin County
Why Came To Us: Debt to income ratios above conventional financing requirements.

Program: Owner-Occupied Business Purpose Refinance
Loan Size: 725k
Location:  Solano County
Why Came To Us: Had a business loan coming due and wanted extra capital for company expansion.

We look forward to helping you or someone you know with our BIG and Fast Private Money programs.  Call us at 707-523-2099 or visit our website at www.sunpacificmortgage.com and we will get back to you with how we can help!

What Are Experts Saying About the California Housing Market?

February 21, 2023

What Are Experts Saying About The Housing Market?

Here are some of the latest quotes by the economic experts regarding the housing market in the U.S.:

“There are growing signs that housing market activity may be closer to a trough. The decline in mortgage rates over the past couple of months has led to a small improvement in affordability and a rise in home buyer sentiment, albeit from a record low. Corroborating this, mortgage applications for home purchase have ticked higher in the past couple of months, which should feed through to higher sales.” Sam Hall, property economist at Capital Economics.

Let’s be clear: Even if home sales have indeed bottomed out, it doesn’t guarantee that home sales will have a swift recovery. This is what we can expect when home prices soared 41% in just over two years and mortgage rates doubled in a 12-month span.

Just because U.S. home sales might be nearing a bottom doesn’t mean we should be looking at the bottom for U.S. home prices.

“Affordability will remain stretched. We think house prices will need to fall another 6-7% to bring affordability back to a level that will support more normal levels of demand.” Capital Economics researchers.

The reason the housing market activity could be on the mend is because affordability has “depressurized” a bit lately. Over the past two months, the mortgage rates decreased, and incomes increased, helping to “depressurize” the market. Recently, Mark Zandi told Fortune:

“Housing demand is close to a trough; housing supply has yet to hit bottom; and house prices have a way to go before reaching their nadir. The reason: housing affordability remains out of balance.

In short, real estate remains a solid investment for anyone looking to grow their wealth for retirement. Whether you are a buyer or an investor, you can never go wrong with Sun Pacific Mortgage’s private loans to help you along the way. Visit our website at www.sunpacificmortgage.com or give Sun Pacific Mortgage a call at 707-523-2099 to discuss our available privately funded loans or how you can become part of our Team of Investors.

Loan of the Week – Happy Valentine’s Day

February 16, 2023

Image6 Roses Are Red, Violets Are Blue, And If You Have A Loan That’s Bugging You, Let Our Direct Private Money Loan Programs Help You, Just Like We Did Below:Loan of the Week – Happy Valentine’s Day!

Roses are Red, Violets are Blue, and if you have a loan that’s bugging you, let our Direct Private Money Loan Programs help You, just like we did below:

Program:  Rush Purchase
Loan Size: $510,000
Location: San Mateo County
Why Came To Us: A Broker brought us his Borrower, who had already spent 1 month trying to get financing, but was now about to lose out on a purchase.  This Borrower had a good down payment but since he was self-employed, he was having a problem proving income per conventional guidelines.  This is where our flexible Private Money programs became the answer for his investment needs!  We worked with the Broker and got this loan funded in 10 days.

If you or someone you know requires flexible qualifications or faster financing, call your new favorite Husband & Wife Team at 707-523-2099 or visit our website at www.sunpacificmortgage.com, so we can let you know what we can do to help with our Private Money Programs!

How Did The San Francisco Peninsula Real Estate Kick Off 2023?

February 7, 2023

Marin County I Continue To Keep Up On The Real Estate Markets To Assist Not Just The Bay Area Homebuyers And Borrowers, But Also To Share This Information With Other Licensed Brokers, Loan Originators And Realtors So We All Can Provide Good Services To Our Clients.

I continue to keep up on the real estate markets to assist not just the Bay Area homebuyers and Borrowers, but also to share this information with other licensed Brokers, Loan Originators and realtors so we all can provide good services to our clients.

Below is a snapshot of the Peninsula cities state of real estate, the first month of this new year:

Menlo Park:        

Days on the market= 29
Average sales price= $3,086,681

Foster City:

Days on the market=13
Average sales price= $1,990,714

Belmont:

Days on the market= 32
Average sales price= $1,898,800

San Carlos:

Days on the market= 31
Average sales price= $2,002,206

San Mateo:

Days on the market= 34
Average sales price= $1,961,789

Burlingame:

Days on the market= 41
Average sales price= $2,832,361

If you are looking in these cities or anywhere else in California for your next real estate investment, refinance or home purchase, reach out to us if you need fast, flexible & friendly financing! You can reach us at 707-523-2099 or through our website at www.sunpacificmortgage.com.  We have been offering private mortgages to Californians for over 35 years – families, individuals and real estate investors alike.

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