Home > Hard Money / Private Money

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.

 


2

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.

 


3

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:
  $780,000
Days to Close:
  15
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:
$346,000
Days to Close:
  26
Why Needed Us:
Debt consolidation.

Location:  Norwalk, Los Angeles County
Loan Program:
 Primary Residence Purchase
Loan Size:
  $427,000
Days to Close:
  15
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
1

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

2021Header

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

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

2021Header

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

Posts navigation