California's Hard Money Lender Since 1988

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Breaking News! Alt-A Hard Money By The Guys in the White Hats 

Aug 15, 2019 (0) comment , , , , , ,

By The Guys in the White Hats

Our breaking news brings you a brand-new release:  Low hard money rates from 6% – 8% with our one of a kind, Alt-A Hard Money Program! This is for those borrowers who are just shy of qualifying for “A” paper underwriting.  The qualifications include:  – Borrowers with good credit of at least 640. – Max 64% Loan…

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Accessory Dwelling Units: Do Your Homework First!

Aug 06, 2019 (0) comment , , , , , ,

Accessory Dwelling Units Do Your Homework First

The housing crisis, especially in California, has worsened over the past decade.  There is a report that states California is short three million housing units. This accounts for the additional pressure on home and rent prices.  To alleviate this disparity some cities are reducing the red tape required to build these attached or detached structures…

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The 2019 Release! Alt-A Hard Money Program

Aug 01, 2019 (0) comment , , , ,

Alt A Hard Money Program

Releasing a Brand-New Alt-A Hard Money Program with Rates from 6% – 8%! Borrowers with good credit (640+) Lower Loan To Value (64% LTV or lower) Nice property in good location  We have many investors who are interested in these types of loans.  For borrowers who are just shy of qualifying for “A” paper, they…

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Real Estate Vs. Your 401K

Jul 23, 2019 (0) comment , , , , , , ,

Real Estate Vs Your 401K

All of us would like to think we are going to retire someday, and hopefully, it will be comfortably. To that end we are encouraged to contribute to a 401K.  Unfortunately, the growth rate of most 401K accounts will not offer us the retirement we anticipate. As an example, even if you were to put…

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Racing To Get You Fast Loans – Even When Turned Down Elsewhere!

Jul 18, 2019 (0) comment , , , , , ,

Racing To Get You Fast Loans Even When Turned Down Elsewhere

This Home Buyer Was Turned Down Less Than 1 Week To Close of Escrow.  Below is the thankful Realtor’s testimonial: “A guy in a white cowboy hat was boarding a plane in Seattle when he gets a phone call from a frantic agent: HELP! My client’s loan got denied and it has to close on…

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Using Home Equity and a Hard Money Loan for Debt Consolidation

Jul 09, 2019 (0) comment , , , , , ,

Using Home Equity and a Hard Money Loan for Debt Consolidation

Assuming you have enough equity in your home, accessing it to pay off much higher consumer debt is a viable and cheaper alternative.  Paying off high-interest credit cards or high-rate loans with a lower-interest home loan makes sense for many borrowers. However, as with any choice, there are Pros and Cons to be considered.  Let’s…

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Multigenerational Homes Are in Greater Demand

Jul 02, 2019 (0) comment

Multigenerational Homes Are in Greater Demand

In 2018 the Pew Research Center released a report showing that almost 1 in every 5 Americans lives in a multigenerational home.  In fact, the numbers of two or more adult family members living under the same roof increased from 26.8 million in 1960 to 64 million in 2016.  Why the increase in this type…

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Downsizing Can Be Stressful

Jun 28, 2019 (0) comment , , , , ,

Downsizing Can Be Stressful

Last year a survey conducted by Trulia reported that 60% of Americans living in homes over 2000 square feet, reported that they would prefer a smaller home for their next move.  Such a move can prove to be financially and mentally a positive experience, while the actual process can be exhausting.   The following tips were…

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Hard Money Lenders

Jun 12, 2019 (0) comment , , , , , , ,

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Make us your first and favorite Hard Money Lender.  Call us today at 707-523-2099 or email us back with any scenario.  We’ll let you know quickly how we can help. Hard Money Loans Recently Funded We Offer FAST Financing, Big Loans, we can Finance Despite Credit Issues, Property Condition & Difficult-To-Prove-Income. $500,000 – Non-Owner Purchase…

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Hard Money = Bad Money? Not So!

Jun 11, 2019 (0) comment , , , , , ,

Hard Money Bad Money Not So

Sure, there was a time when hard money lenders might have been viewed as predators, but these business owners have always been in the minority and have never lasted long.  Sun Pacific Mortgage has been in the hard money business for 31 years. You don’t survive and prosper without a loyal following of investors and…

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Recently Featured:

Listen to Owner/Broker of Sun Pacific Mortgage & Real Estate – Forest Tardibuono Guest Talk on “Ask the Expert: The Real Estate Hour With Mike Kelly” on KSRO

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