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Alternative Financing Programs

Pigs Hard Money Loans In General:

Hard Money Loans in General:

Only 2 qualifications for the following loan programs:

1. Decent existing equity or at least 20% down payment;

2. An ability to repay the loan (source of income);

Normal turn-around time – 1-1/2 to 2 weeks.

Loans from $150,000.00 to $1.5 million.

Bridge or Temporary – Owner Occupied and Investment Property:

Allows homeowner to sell their house after they purchase a new one. Short term loan on the equity without the need to first sell current home. They can buy new home then sell the existing home.

Also used to buy new home with short term loan awaiting qualifying for conventional loan. Additionally used to do fix-ups of existing home in order to get maximum selling price.

Purchase/Refinance – Owner Occupied and Investment Property:

Easy qualifying on credit, proof of income or condition of property.  These loans are normally done once bank or conventional lender can’t do the loan.

Can be used for any purpose including fix-up to then resell/flip. Majority of the time the buyer can fix their qualifications within a year or 2 and refinance into a conventional loan.

Business Purpose:

Short term loan based on property equity. Most commonly used to start a business or purchase a rental property.


Small commercial buildings, easy qualifications up to $1million.

Land/Cannabis Loan:

Must have at least 50% down.


If you’re looking for alternative financing in California, call us today! (707) 523-2099

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“The Guy In The White Hat – Your Hard Money Lender”. Broker and Co-Owner of Sun Pacific Mortgage & Real Estate, family owned and operated in Sonoma County California since 1988.