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Loan of the Week – Wrangling Up the Best

We’ve Wrangled You Up Our Hot Loan Program!We’ve Wrangled You Up Our Hot Loan Program!

See our recent blog about how Private Money could help aid your next Investment:

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

Lower Hard money rates from 7% – 9% with this unique alternative finance program, for Borrowers and Buyers who are just shy of qualifying for conventional or traditional “A paper” loans:

  • Good credit (640 and above)
  • Below 60% Loan to Value
  • Property in good condition and location

Perfect example of why this popular program is so beneficial:

Broker reached out to us for his Home Buyer, who needed a 799k short term loan to buy an investment property in Mill Valley.  Underwriting was unable to provide final approval due to confusions about and LLC as the individual buying entity, despite great qualifications.

Buyer’s credit was over 750, he had a good down payment allowing for 56% LTV, he made great monthly income and had a lot of other real estate assets as well as excess funds in the bank. He was a perfect borrower – except he wanted to buy with his LLC – which is where we were able to wrangle up our unique Alt-A program and help!

If you have any question or scenarios for us, just call 707-523-2099 or visit our website at www.sunpacificmortgage.com.  We will let you know how we can wrangle up the right private money loan program to help.

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

Racing To Get You Fast Loans - Even When Turned Down Elsewhere!See our recent blog about The State of the Market:

The below Home Buyer was turned down less than 9 days to Close of Escrow.  Below is the thankful Agent’s email to us:

“A guy in a white cowboy hat gets a phone call from a frantic agent: HELP! My client’s loan got denied and it has to close on Friday! (Keep in mind it is currently Monday). He responded, ‘Well darn, I will get right on it’.

“The Sun Pacific Mortgage Team sprang into action! Loan approval was gotten in 36 hours and docs were in Escrow less than 24 hours later, just ahead of the deadline. WELL DONE Sun Pacific Mortgage, you saved the day with the fastest funding I’ve ever seen.  AMAZING JOB!”  Realtor, S.G.


In just 5 days, this Petaluma Homebuyer who needed a rush loan of 780k had her loan funded and new home keys in hand!

Call us at 707-523-2099 with your questions or scenarios or visit our website at www.sunpacificmortgage.com. We work with many Real Estate Agents and Mortgage Brokers & Lenders, helping Buyers and Borrowers get their loans approved and funded fast.

Breaking News – Loan of the Week

Breaking News – Loan of the WeekWe Help – Despite Being Turned Down Elsewhere

If you or someone you know are trying to refinance, buy a house or pull cash out and needs this done fast or is having difficulty elsewhere, we can help!  Our Private Money loan programs provide faster than usual funding AND can help those turned down elsewhere. Let us help you, just as we did below with our Loan of the Week:

See our recent blog about the Six C’s of Private Money:

Loan of the Week

A Borrower and her Real Estate Agent from Santa Clara County reached out to us, desperate to save a home purchase.  Buyer was in Escrow but had just been turned down by their current Lender, due to some last-minute issue with the debt-to-income ratios.  A loan of $1-Million was needed immediately.  As Buyer had a sizable down payment, great credit and low LTV, we quickly got this loan approved and funded in just 11 days!

If you find yourself or someone you know in need of fast financing or having difficulty elsewhere getting a mortgage, give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com.  We’ll quickly let you know what we can do to help!

Current State of the Market – A Message from the Broker – June Edition

Over the last thirteen years real estate has been in a Bull market, which changed the way that we look at the 7-year cycle that previously rang true. This heating and cooling of the market, low interest rates, and removal of subprime loans has created something better and different than before.

Some of the gains have been:

  • Larger equity increases across the entire state
  • Record low default and foreclosure rates
  • High demand / Low Inventory
  • An increase in well qualified borrowers


As we addressed in the first State of the Market, (which you can read here: pt. 1), top economic experts do not foresee a bubble situation. The market gains do not support it.

Now in June, Private Money Lending has remained unchanged. In fact, you could say that the miserabilism and rising rates have increased the benefits of our loan programs. Hard Money rates are constant and now overlap with conventional lenders who are tightening their lending requirements.

This has created a prime opportunity for Direct Private Lending and brought in a higher frequency of qualified Borrowers. So here is a recap of our last month:

  • In May, our investors helped fund over $18 million in loans at an average interest rate of 9.5%.
  • This is up from April’s $17 million at an average of 10.2%*.

*Note that lower rates are granted to Strong Borrowers with Low LTV.


While talk of inflation, recession, and panicked markets continue to consume the energy of the media – remember that real estate continues to be strong. The last two weeks in our local market had some of the highest amount of new listings coming on the market in a very long time.  Buyers are flocking at open houses.  One we went to last weekend had over 30 buyers touring the house at the same time.

The market may be changing and look different, but there is a reason why mortgages are used to hedge problems in the economy. It’s because of the strength in real estate.

Loan turned down elsewhere? We Can Help!

First reblast artworkTurned Down Elsewhere?
We Can Help Get You Fast Loan Approval!

See our recent blog about current market conditions:

Increased rates and stricter qualifications causing loans to be turned down by other Underwriters or Lenders?  Get fast approvals and funding of loans here!

Make us your first and favorite Private Money Lender. We can help those turned down elsewhere and our specialty is speed.

Call us today at 707-523-2099 with any scenario or visit our website at www.sunpacificmortgage.com.  We will let you know quickly what we can do for you!

Recently Turned Down Loans From Others –
Approved & Funded By Us

We Offer FAST Financing; We Finance Owner Occupied & Investment Properties. We Can Finance Despite Credit Issues, Property Condition & Difficult To Prove Income;

Location:  Watsonville, Santa Cruz County
Finance Program:  Primary residence purchase
Loan Size:  865k
Days to Close:  11
Why Needed Us:  Needed fast close to purchase family home.

Location:  Berkeley, Alameda County
Finance Program:  Investment Property Refinance
Loan Size:  962k
Days to Close:  17
Why Needed Us:  Needed cash to make necessary repairs before listing house.

Location: Los Angeles, Los Angeles County
Finance Program:  Primary residence refinance
Loan Size:  577k
Days to Close:  14
Why Needed Us:  Needed to consolidate debts to repair credit.

Why Not Just Quick and Direct?!

Why Not Just Quick and Direct?!

Our Direct Private Money loans can get that refinance or purchase loan done when a traditional Lender unfortunately cannot.  And, we can QUICKLY FUND!

Recently Funded

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Call us at 707-523-2099 today or visit our website www.sunpacificmortgage.com for any questions or scenarios you have. We’ll get back to you quickly to see how we can help you or someone you know.

Resolve Loan Issues Quick – What A Mouthful!

NOO Consumer Loans copyAt Sun Pacific Mortgage we resolve lending issues – for investment properties & primary residences alike!  We’ve helped many Brokers, Lenders and their Borrowers find a comfortable way out of seemingly impossible situations, like we recently did below:

Loan of the Week

Program: Investment Property – Consumer Purpose Loan
Loan Size: 1.4 million
Location: Los Angeles County
Why Came To Us: Borrower with FICO issues wanted to pull cash out of the equity he had in a rental property, to do some needed debt consolidation and improve his credit.  As we don’t have credit requirements, we quickly got his loan approved by our Private Investors and funded within 12 days!

If you or someone you know are looking for a fast resolution to a purchase or refinance issue, visit our website at www.sunpacificmortgage.com or give us a call at 707-523-2099 to see how our Private Money programs can help!

A Bridge To The Future – Private Money

A Bridge To The Future - Private MoneyPrivate Money – The Bridge To A Future Home

After 34 years of experience, we are specialists at helping bridge the distance for individuals who need additional financing to buy a new home, before selling their current house. Let us help you or someone you know with our popular Private Money Bridge loan program, like we did below.

Loan of the Week

Program: Bridge Purchase
Loan Size: 1.4 million
Location: San Luis Obispo County
Reason Came To Us: A Mortgage Broker brought his Borrower to us for some fast help. Their financing was disapproved by underwriting at the last minute due to debt-to-income ratio being a bit too high.  This wasn’t an issue with our programs due to the great equity in his current house.  As we have no DTI requirements, we were able to rapidly get him approved and loan fully completed in just 13 days!

Visit our website at www.sunpacificmortgage.com or call today 707-523-2099 so we can let you know what we can do to help you or someone you know bridge the distance to a future home!

Unique Loans for Investment and Business Purpose!

Promo 5 copyWe’re Direct Lenders – The Guys In The White Hats

Take advantage of our Private Money Programs if you are in need of FAST financing.  We can also help if their debt-to-income ratio is too high or you’ve been turned down by another lender for any reason.

We’ve funded many loans in less than 1 week. No credit requirements. And with over 34 years in business, we’ve helped thousands of individuals get the financing they wanted!

Recently Funded Investment & Business Purpose


Screen Shot 2022 05 16 at 10.08.41 AMGive us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com to see what our Private Money Loan Programs can do to help!

HOT Financing – Lower Rates From Us

HOT Financing - Lower Rates From UsOur Hot Private Money Program

Are you just short of qualifying for your traditional “A-paper” loan for a refinance or purchase? Let our HOT Alt-A Private Money loan program help!

FAST approvals and fundings – even when turned down elsewhere!  Check out a recent scenario below:

Loan of the Week

Program: Business Purpose Refinance
Loan Size: $950,000
Days To Fund: 12 days
Location: Los Angeles County
Reason Came To Us: Debt to income ratios too high so her conventional Broker brought her to us. This Borrower was looking to get cash out of her primary residency to further expand her business. This was no problem for us!  With good LTV and credit, we were rapidly able to get her loan done.

If you are trying to refinance or purchase but don’t qualify for a conventional loan just yet – let us help!  We have this HOT Alt-A Private Money loan program with lower rates, so call us at 707-523-2099 or visit our website at www.sunpacificmortgage.com and we’ll quickly get back to you.

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