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Are You A Risky Borrower?

Jul 21, 2016 (0) comment , , , , ,

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I have heard numerous stories from my past borrowers where they were told how acquiring a home loan would be an unending, agonizing and complicated process. And that on top of this, one minuscule credit problem was going to end their journey to getting their dream home. This is not the case if you findthe…

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My Own Hard Money Story

Jul 12, 2016 (0) comment , , , , ,

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I wanted to tell my personal story about Hard Money financing to help other families struggling with loan approvals. My Husband and I could not get any local bank or credit union to approve our loan application to buy our first home.  I had not yet worked at my job for 2 years and my…

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Reasons To Sell A House This Summer

Jul 07, 2016 (0) comment , , , , ,

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Selling one’s house can be a challenge no matter what season it is, be it Summer, Winter, Fall or Spring.  According to Keeping Current Matters article, “5 Reasons To Sell This Summer”, there is some logic in selling your home during the hot summer: Demand Is Strong There Is Less Competition Now The Process Will…

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Can Fixing & Flipping Be More Beneficial Or Harmful For You?

May 27, 2016 (0) comment , , , ,

We all want to make money… it pays our bills, allows us to buy things we want and helps us more comfortably survive. So of course, when someone sees how “easy” it is to buy and flip a home for profit on TV, they want to try a slice of that cake to say they…

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What Is An Owner Occupied Hard Money Loan?

May 03, 2016 (0) comment , , , ,

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Most Hard Money Lenders these days do not offer Owner Occupied financing programs, also known as a Principal Residence Loans, due to the amount of federal and state regulations that apply to them. Here at Sun Pacific Mortgage, we will always have this loan program available because of the important niche it fills for so…

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Hard Money Loan of the Month – April

Jan 22, 2016 (0) comment , , , , ,

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Hard Money Loan of the Month By Ken Walker, Lead Loan Originator at Sun Pacific Mortgage & Real Estate 75% Loan to Value rehab loan in Oakland, California Last month a borrower called needing a short term loan on a distressed property in Oakland, which he wanted to fix up and sell (flip). He was…

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Myth Busting About Home Buying – Time To Act Now

Dec 01, 2015 (0) comment , , , ,

This KCM infographic is pretty much to the point. Potential home buyers aren’t always completely informed as to minimum qualifications for buying a home. Now IS the time to honestly do the work and FIND OUT your home buying qualifications. There are conventional financing options, FHA, portfolio and hard money financing options. Don’t regret not…

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Is It Still A Good Time To Buy A House In California?

Nov 10, 2015 (0) comment , , , ,

The answer would be, “YES!”. Now is still a great time to become a homeowner, especially as shown in the recent KCM blog Buying a Home Remains 35% Less Expensive than Renting!, wherein it states “Nationally, rates would have to rise to 10.6% for renting to be cheaper than buying – and rates haven’t been…

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Stop Wondering If You Qualify For A Home Loan

Sep 11, 2015 (0) comment , , , , ,

You owe it to yourself/your family to truly FIND OUT from numerous experienced Lenders, what the available [and new] multiple loan programs are! Wondering If You Qualify For A Home Mortgage?  Find Out For Sure! Are you someone who does not think they should bother contacting an experienced and licensed Mortgage Broker or Lender as…

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What is a Bridge Loan?

Jul 01, 2015 (0) comment , , , , ,

Real estate agents, investors, home buyers and home sellers alike should know about this short term real estate loan, or should I say smart home buying strategy. A Bridge or temporary loan is a type of Creative Financing that some Lenders offer.   It is a short term loan, 12 to 18 months only.  It gets…

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