Home > Hard Money / Private Money

The Legacy Continues – Helping Home Buyers

Carrying on the Legacy

Carrying on the legacy of 33+ years of private money lending:

  • Credit Problems Okay!
  • FAST Financing!
  • Jumbo Loans Provided!
  • Trusted By Over 10,000 Borrowers!

Loan of the Week

A Home Buyer was referred to us by his Realtor and conventional Lender in San Mateo County.  There was a credit problem that required a few more months of handling before this particular Buyer could qualify for a conventional loan.

So, they came to us for a short-term jumbo loan of 802,000.  Despite the size of loan, with a lower loan to value of 61%, we were able to quickly get the loan approved, funded and money to Escrow within just 7 days!

Call Us Today at 707-523-2099 or reply back here.  You’ll quickly hear back with a proposal as to what we can do for you!

Why Borrow Private Money for Real Estate?

Stay Calm Amid the Storm

Borrowers have several options when looking for a mortgage.  But, if you have specific issues that make qualifying for a “normal” mortgage, there is one very suitable solution: private money or “hard money”.

Private lending exists for several reasons, among them consider the following:

  • Speed of Closing:  Conventional mortgages usually take between 45-90 days to fund because of the necessary paperwork and property examinations required.  Private money lenders can complete a transaction in 7-10 days because the property itself is the main criteria used to determine loan eligibility.
  • Easy Application Process:  Personal financial data has less effect on obtaining a private mortgage loan since it is mainly the property, or collateral, that is the basis for decisions in private lending.
  • Other Money Resources Are Not Available:  A borrower may not qualify for an institutional mortgage because of low credit scores, too much debt or the property itself is labeled “distressed”. With private money this isn’t the case.

Non-bank lenders are much like the original mortgage bankers – many are locally owned and family-run businesses, like Sun Pacific Mortgage in California.  Smaller lenders such as ours face fewer federal regulations and can still welcome borrowers with credit issues.  This type of originator is transforming the mortgage loan process and powering a more competitive market – which is much needed in today’s popular real estate market in top counties of California such as Sonoma, Napa, Marin, Santa Clara, San Mateo, etc.

If a fast alternative loan is what you are looking for, give Sun Pacific Mortgage a call at 707-523-2099 and discuss your situation with our experienced family staff.  We have helped thousands of borrowers over the past 33 years, and we are here for you today.

Direct Financing

We Can Get That Loan DONE!

IMG 0827 copy


Our Private Money loan programs offer:

  • Quick Loan Approval
  • Faster Closes!
  • Difficult-to-prove-income OK
  • Credit Problems OK

Screen Shot 2021 04 19 at 8.15.35 PM

Contact us here, or give us a call at 707-523-2099 with any questions or scenarios and we’ll quickly respond with how we can help.

Is a Private Money Loan Right for You?

Is a Private Money Loan Right for You?

To properly answer this question, we must first identify the meaning of a “private money” and “hard money” loan.  In short, these terms are interchangeable and is a type of loan that is secured by real property.  They are generally short-term loans with the Lender being an individual or company rather than a bank.

These loans can raise money quickly but at a higher cost and use property as collateral.  The terms of these loans are based mainly on the value of the property, not the creditworthiness of the borrower.  Since banks do not make hard money loans, these types of loans are offered by private individuals that see the value in this type of venture.

The increased expense of a private money loan is a tradeoff for faster access to capital, a less stringent approval process, and flexibility in the repayment schedule.  They are typically used in turnaround situations, short-term financing, and by borrowers who need fast financing or with poor credit but substantial equity in their property.  They are frequently used to stave off foreclosure because they can be issued quickly and for those who are self-employed with difficult to prove income.

While many Private Money Brokers and Lenders are not participating in offering financing for owner-occupied properties, Sun Pacific Mortgage has continued to offer this program.  This is one of our most popular programs. We get many other Mortgage Brokers, Loan Originators and Realtors sending their Home Buyers and Borrowers to us for help.

If you are curious about the benefits of a private money loan for you, give us a call at 707-523-2099.  Or reach out to us directly through our website at https://www.sunpacificmortgage.com/contact-us/

We are licensed in California and have borrowers from Eureka to San Diego and everywhere in between!  There is no need to come into our office.  We handle all transactions with phone calls and digital processes.

Need A Loan Rescue?

The Guys in the White Hats Can Get That Loan Done!

Loan of the Week – Get Approved When Others Say No!

  • FAST Approvals
  • Credit Problems Ok
  • Local Lender, Family owned & operated

Loan of the Week

A local Mortgage Broker in Sonoma County sent his Borrower’s loan to us, due to some credit issues that popped up at the last minute.

This Borrower needed 529,000 quickly to refinance his primary residence and pull cash out for debt consolidation.  For this million-dollar property, with a loan to value of 32%, it took us less than 10 days to complete all the necesssary paperwork and close his escrow!


If you or someone you know needs a little more speed or flexibility in qualifying for a home loan, give us a call at 707-523-2099. We’ll be happy to get you a proposal as to how we can help with our private money loan programs.

The Guys in the White Hats Can Get That Loan Done!

full family pic

Need FAST financing?  Turned down elsewhere for a home loan? We are Direct Private Money Lenders:

  • Make Faster Offers – 10 day close!
  • Difficult to prove income OK
  • Trusted by over 10,000 Borrowers
  • Credit Problems OK

Recently Funded

1 1

Program: Owner Occupied Refinance
Loan Size: $2,590,000
Loan to value: 70%
Location:  Sausalito, CA
Why Came To Us: Needed fast capital to resolve a business problem.



Program: Owner Occupied Cash-Out
Loan Size: $610,000
Loan to value: 36%
Location: Santa Rosa, CA
Why Came To Us: Credit issues so wanted to consolidate debt.



Program: Investment Property Refinance
Loan Size: $460,000
Loan to Value: 61%
Location:  Riverside County, CA
Why Came To Us: Self-employedwith difficult to prove income.



Give us a call at 707-523-2099 with your questions or scenarios.  We will quickly let you know how we can help!


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!

Get A Home Loan From Direct Lenders


Direct Private Money Loans – The Guys in the White Hats

Direct Private Money Loans We Have Our Own Investors

Recently Funded:

Location:  Santa Rosa, Sonoma County
Loan Program:  Investment property refinance
Loan Size: $1,020,000
Days to Close:  16
Why Needed Us: Property needed renovations and didn’t conventionally qualify.

Location:  No. Hollywood, Los Angeles County
Loan Program:  Business Opportunity
Loan Size:  $475,000
Days to Close:  15
Why Needed Us: Needed fast capital to support family-owned business

Location:  Concord, Contra Costa County
Finance Program:  Primary Property Refinance
Loan Size:  $560,000
Days to Close:  15
Why Needed Us:  To pay off medical expenses and other debts

Posts navigation