While interest rates are higher than a year ago, they have steadily been declining since November.  With home prices cooling and market competition easing, some Buyers who missed out on the frenzied market of the last two years are taking advantage and finding sellers more willing to negotiate than in the past.

Looking at the statistics for home prices from top to bottom in California, we can see that is certainly not all gloom and doom:

• Far North: highest year-over-year drop of 3.7%, with the median price being $366,000
• San Francisco Bay Area: the highest year-over-year decline of 5.8%, with median price being $1,225,000
• Central Coast: year-over-year gain of 0.1%, with median price being $900,000
• Central Valley: year-over-year drop of 1.3%, with median price being $445,000
• Southern California: year-over-year gain of 0%, with median price being $750,000

According to Zillow, the typical home in Orange County is still above $1,000,000 and overall, prices in Southern California haven’t fallen as much as the median indicates.

San Bernadino County has experienced a 0.5% loss since the peak, while San Diego Couty has experienced a 2.6% drop. It is good to note however, that home prices in every County are higher than they were a year ago.

There are very few analysts who anticipate price declines on a par with those seen during the Great Recession, if any at all. The market remains favorable to house sellers as they remain in control.

If you missed out on the last 2 year’s wild real estate market, this could be your year to win. Need faster or more forgiving real estate loan?  How about calling Sun Pacific Mortgage at 707-523-2099 or get more information about our Private Money purchase and refinance programs on our website: www.SunPacificMortgage.com . Our 35 years of lending and hundreds of Private Investors have the experience to help get you into your dream home, to help you access your equity to buy another property, or build an additional residence on your present property.

Sun Pacific Mortgage sells Deeds of Trusts to our Team of Private Investors for a given period, generally one to three years. Investing in real estate mortgage notes is easier than you might imagine:

When someone purchases a property, whether it is a personal residence or an investment property, the Buyer is put on Title. They become responsible for maintaining the property, having adequate insurance, and paying the taxes.

A Private Investor, also known as the Mortgage Lender, becomes the beneficiary and now has a vested interest in the home but isn’t responsible for upkeep, taxes, or insurance. They now directly or through a servicing company, collect principal and interest payment each month until the Note is satisfied. If something goes wrong with the property, like the roof needing to be replaced or a plumbing issue, the owner is required to deal with the problem, not the Lender. As an investor, you are not buying the property, you are buying the debt and securing interest in the property. Essentially, you, the investor, become the bank. You collect the remaining debt of the Note and receive the monthly principal and interest payments. You can also take legal action to regain Title in the event of default.

While these Notes are not FDIC insured, your real estate investment is secured by the property equity. Through our quality screening process, Sun Pacific Mortgage offers good Trust Deed opportunities throughout California.

We are always open for new Investors so, if you are interested in pursuing a profitable, hands-off real estate investment, give us a call at 707-523-2099 or find us at www.sunpacmortgage.com.

What if you could invest your well-earned money in a promising source of predictable income? Sound risky? What investment doesn’t have some risks? Some risks offer bigger rewards, and you can find that with Sun Pacific Mortgage!

For almost 35 years now, we have been offering available Deeds of Trust throughout the state of California, to our family of private investors.  These Trust Deeds or Notes, are available from $150,000 on up to over $2,000,000 for individuals to invest for higher returns, and diversify your retirement portfolio.

You don’t need to restrict your future to the unpredictable returns offered by the stock market. We offer our investors the opportunity to invest in trust deeds with fixed rates of return up to 13%+.

Our rates of return are higher than the bank’s traditional low-yield bonds, and higher than most stock dividends. Simplistically, this is how it works:

1. Daily we send out new available Deeds of Trust.
2. You choose the amount you want to invest in a property, which we propose to you via email with the terms laid out.
3. If your offer is accepted, you transfer the funds to the escrow company handling the transaction.
4. Once escrow closes, you receive all the real estate documents related to the purchase or refinance.
5. Unless you choose to service the property directly, a Servicing company of your choice collects the monthly payments and relays them to you, as instructed.
6. You spend your time doing what you love, hit the golf course, travel, be with family, whatever makes you happy – all while making passive income.

If this sounds like an investment vehicle you could get behind, –give us a call at 707-523-2099 to discuss how you can earn a higher return on your investment. You can also check out our Investor website page here https://www.sunpacificmortgage.com/invest-in-trust-deeds/ and send in a form for further data.