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North Bay Real Estate Trends for February 2021

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Looking at all the homes and condos for sale in the northern California counties of Lake, Marin, Mendocino, Napa, Solano, and Sonoma Counties at the end of February, there were just 1,431 on the market.  This is the lowest inventory amount since 2005 and 2% below that of January.  This region generally enjoys a Spring revival in both listings and sales, but only time will tell.

Let’s take a look at the real estate trends in Sonoma County as of the end of February:

  • Inventory: 534 (+30% YTY; +2% MTM)
  • Ratio of homes sold over original price: 45%
  • New sales: 488 (+38% YTY; +8% MTM)
  • Supply of inventory:  1.1
  • Time it takes to sell: 39 (Coastal) – 106 (Oakmont)
  • Average days on market:  60
  • Median price: $621,000 (+10% YTY)
  • Average price: $906,046 (+13% YTY)
  • Total sales volume:  +29% YTY
  • Sales price to list price: 100% (+5% YTY

It is quite plain to see that Sonoma County real estate has flourished since the beginning of the year with no indication that it will flounder in the near future.

So, if you are thinking of selling your property and are concerned that you might need funding for your new home before it becomes available from the sale of your present home, call Sun Pacific Mortgage at 707-523-2099 to discuss the possibility of a bridge loan.

Or, if you want to get a step up on that house purchase offer, how about trying out a Private Money loan to submit a 10-day close and virtually all-cash offer?!  This type of offer just might beat out the other multiple offers and make you the winning Buyer!

Here at Sun Pacific Mortgage, we have been offering these private money loans to many borrowers because we can often obtain their needed funds within a week.  We are fast. We are family owned & operated. We have been in business over 3 decades now.

We look forward to helping you or someone you know get a private home loan with our home loan programs.

Call us or email us through our website!

The California Housing Market: Trends and Forecast 2021

The California Housing Market Trends and Forecast 2021

There is little doubt that the California housing market forecast is projected to be positive.  CAR conducted a survey and found the following opinions generally held by most of the experts:

  • Buyers, sellers, and agents agreed that home prices will likely remain on their upward trend in the short term.
  • 60% of agents believe that prices will rise in the coming weeks.
  • 46% think that sales and listings will grow in the coming weeks.
  • An average of 675 new listings per day was reported in the week of January 24-30, a growth of 4.1%
  • Agents don’t see huge changes ahead in the coming months.
  • Zillow predicts that home prices will rise by 10.6% in the next 12 months.
  • For repeat buyers there is an increasing desire for a larger second home.
  • 35% of buyers are opting for a property with more rooms.
  • 37% of buyers are opting to live in a suburb rather than a city.
  • 26% of buyers are opting to live in rural areas rather than cities or suburbs.

As of January 31, the California real estate statistics read as follows:

  • Median price rose 27% YTY, the largest gain in nearly 7 years
  • Median time on the market:  12 days
  • Active listings dropped sharply from last year down 53.4%
  • January saw the highest sales level since 2009 at 484,730 units (up 22.5%)
  • All major regions’ median prices continued to increase from last year by double digits.

Every indicator points to a robust real estate market for California into the rest of 2021.  So if you’ve considered moving up, moving down, moving out of town, now is the time to sell!  Marketing is hot and there are Buyers out there who want to buy your home.

Best, Forest – The Guy in the White Hat

Want More Loan Options?

Want More Loan Options

We offer FAST private money financing for your real estate needs:

  • FAST Loans
  • More forgiving qualifications
  • We Can Help Despite Being Turned Down Elsewhere!

Loan of the Week

A Broker from Santa Clara called us, requesting fast help with a Borrower she had.  This particular Homeowner was looking for a fast refinance and cash-out of their primary residence, so they could purchase an investment property for 560K.

They were in Escrow and his loan had just fallen through, due to some trouble with proof of income.  He was about to lose out on a great investment purchase, so his Broker made the smart move and brought him to us for fast financing.

With an LTV of just 48%, in 9 days we had his refinance approved, through Escrow and his new investment property keys in hand!

Get trusted and friendly service from our family owned & operated company, in business over 33 years.

Call today 707-523-2099 with your scenario.

Get Your Loan Funded This Month!

Direct Private Money Lenders – The Guys in the White Hats

Direct Private Money Lenders – The Guys in the White Hats

– We offer FAST Financing.
– Credit Problems Okay.
– Primary Residence & Investment Properties Financed.
– We have the Investors with the money.

Recently Funded:

Location:  San Francisco, San Francisco County
Finance Program:
  Primary Residence Bridge loan
Loan Size:
Days to Close:
Why Needed Us:
  Wanted fast cash to secure purchase of new home before sale of present house.

Location:  French Camp, San Joaquin County
Loan Program:
 Investment property refinance
Loan Size:
Days to Close:
Why Needed Us:
Debt consolidation.

Location:  Norwalk, Los Angeles County
Loan Program:
 Primary Residence Purchase
Loan Size:
Days to Close:
Why Needed Us:
Self-employed with difficult to prove income.

Want Your Loan Approved and Funded?

We Can Get That Loan Done – The Guys in the White Hats

Our Private Money programs can help you if you want fast financing or you’ve been turned down elsewhere!

Call 707-523-2099 with your scenario today.

Loan of the Week

We were recently contacted by a Broker who had a Borrower in need of a fast loan.  He was in Escrow to purchase a home for himself and his family in Morgan Hill, Santa Clara County for a 60% LTV loan of 985K.

The Borrower had just been turned down by his other Lender due to some property condition issues.  He didn’t want to lose out on this house, so his Broker reached out to us for a fast private money loan.  Within just 10 days, this Borrower was a happy new Homeowner!

4 Ways Hard Money Can Help You & Your Clients.

4 Ways Hard Money Can Help You Your Clients 1

For many decades “hard money”, also known as “private funding”, has been a lifesaver for many prospective buyers who would have otherwise been excluded from the real estate/mortgage market.

Rather than turning your client away, wishing them “good luck” and possibly losing them to another loan agent, you now can offer them a solution with the help of a more flexible lending program such as the ones we offer at Sun Pacific Mortgage.

Be assured that when you turn to us, you are partnering with a professional financial company that has been in business for 33 years in California and understands your need to control your own business.

Here are three reasons why you might want to take a closer look at utilizing this financial tool to benefit your California Home Buyers and Borrowers:

  1. Sun Pacific Mortgage provides unparalleled service to make certain your client gets a loan through one of our hundreds of private investors.
  2. With fast financing ability and less stringent qualifications, loans can be completed in as little as 48 hours with many funded within 1 week.
  3. If a licensed Broker you are compensated for your efforts and referral.
  4. As your client’s financial situation improves, you are there to offer your services to get them into a convention loan with a better rate.

Everyone wins! Your client gets their much-needed financial help and you keep your relationship with your client intact. It is our intent to make you shine for your client while offering a lending program to solve some of the more difficult mortgage problems you encounter when buying or refinancing anywhere in California.

We have established a mutually beneficial working relationship with hundreds of California realtors, lenders and brokers. Give us a call at 707-523-2099 or email us through our website to see how we might help you satisfy mortgage applications that you otherwise might turn away.

Fast Approvals From Direct Lenders


Direct Hard Money Lenders

The Guys in the White Hats

  • FAST Financing
  • Trusted by over 10,000 Borrowers
  • Self-employed OK
  • Credit Problems OK

We are here to help you, as we did the below home buyers and homeowners!  Give us a call at 707-523-2099 with any questions or scenarios and we’ll let you know how we can help.

Recently Funded

1 2Program: Primary Refinance
Loan Size: $1,787,000
Loan to value: 64%
Location: Riverside County, CA
Purpose: Needed fast capital

2Program: Investment cash-out
Loan Size: $460,000
Loan to value: 33%
Location:  Sebastopol, CA
Purpose: Debt consolidation


3Program: Investment Refinance
Loan Size: $1,725,800
Loan to Value: 63.8%
Location:  Oakland Hills, CA
Purpose: Difficult to prove income

Fast Loan Approvals Here


Direct Hard Money Lenders
The Guys in the White Hats

  • Trusted by over 10,000 Borrowers
  • Submit Offers With 10-day close!
  • Credit Problems OK
  • Difficult-to-prove-income OK

Loan of the Week

image3$1,725,000 loan
64% LTV 
Non-Owner Refinance cash out
Oakland Hills, CA.



Give us a call at 707-523-2099 with any questions or scenarios and we’ll quickly reply with how we can help.

Investing In Deeds Of Trust Brings Higher Return

Investing In Deeds Of Trust Brings Higher Return

To many a naysayer’s surprise, the 2020 real estate market boomed.  Prices rose, sales increased, and investors continued to grow their wealth.  In a recent article I found in Realtor Magazine, Lawrence Yun, Chief Economist at NAR, stated that even as early as August, 6 million existing and new home sales were recorded in the United States.  From our own data reports on various counties in California, we have seen exponential sales growth from San Diego to Mendocino and beyond.

Just looking at San Francisco County for December, we find double the number of properties listed since 2019.  In addition, more than half the single-family homes sold last month closed well over asking price.  With inventory remaining low for the foreseeable future, prices should continue to rise ensuring a healthy accumulation of investors’ wealth.

We have found similar data in December for the San Francisco Peninsula where homes only stayed on the market anywhere from 18-38 days and prices rose again month-to-month.

In Orange County September sales of existing single-family homes was up 30.6% over last year and the median price rose 10.8%.

In Los Angeles County for the month of September the median sales price increased 5.7% over 2019.  In Marin County, Napa County and Sonoma County for November the data was even more encouraging.

At Sun Pacific Mortgage we see investors more eager than ever to supply private money to borrowers seeking a loan.  And why not?  Surely real estate has proven to be the best long-term (and even short-term) investment for many portfolios. A trust deed investment means that you are not involved in the day-to-day operations of your property with all the headaches that can bring.

Unlike the stock market where you are never certain where your capital is from day to day, real estate has proven over the decades to be a solid investment, and remember, it is the only one you can live in!

So give us a call at 707-523-2099 or reach us through our website at www.Sunpacificmortgage.com.  We’ll be happy to explain how we work and how you could start earning greater returns on your investments.

Get A Fast Loan Here!


We Can Do That Loan!
Direct Hard Money Loans
The Guys in the White Hats

Loan of the Week:

1Primary Residence Refinance
Needed fast financing
762,000 loan
11 Day Close
64% LTV
San Jose, CA


Give us a call at (707) 523-2099 with any questions or scenarios. We’ll rapidly get back to you with how we can help!



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