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Making It Easier for Home Loans – Direct Financing

Making It Easier for Home Loans - Direct FinancingHome Loans Made Easy with Private Money

Have you or someone you know been turned down for a loan at the last minute?

We specialize in providing direct and fast financing for Owner Occupied/Primary Residences as well as Investment Properties. Credit issues, difficult-to-prove income, property doesn’t qualify – not a problem with us!  See recent examples below:

Recently FundedIf you, or someone you know, has been turned down by another lending institution, we can work with you to help get a fast Private Money loan!  Visit our website at www.sunpacificmortgage.com or give us a call to 707-523-2099.  We’ll quickly let you know what we can do to help.

How To Bridge The Distance Right!

How To Bridge The Distance Right!Bridge The Distance with Private Money

Do you or someone you know want to consolidate debt?  How about upgrade your house, purchase a rental for additional income, get your kid set up for college, etc.?

Then you may just want to take advantage of our FAST Private Money loan programs!

We can help bridge the distance between the problem and the solution – like we did for the Borrower below:

Loan of the Week

Program: Owner-Occupied Temporary Loan
Loan Size: $735k
Days to Fund: 11 days
Location: Orange County
Reason Came To Us: Borrower was turned down by two other conventional lenders because of her debt-to-income ratios.  She was already in contract to buy a property but now had no financing.  This Borrower wanted to access the equity in her current home, to purchase an investment property that would offer her great return each month.  She needed a fast solution to her problem which is where we came in to bridge the distance and get her loan done.  Funded fast, both Buyer and Agent were grateful for our program!

Private Money can be a new beginning for anyone trying to purchase a home, a new investment, or to pull additional cash out of their existing equity. If your Buyer gets turned down, call us at 707-523-2099 or visit our website at www.sunpacificmortgage.com and we’ll quickly respond with what we can do to bridge the distance to get that loan done!

What Factors Today are Having the Biggest Effect on Housing?

What Factors Today are Having the Biggest Effect on Housing?

Some might consider interest rates to have the most influence on the housing market, but that is only one factor in a confluence of factors including: local economic conditions, financial markets, housing affordability, consumer confidence, inflation, migration, the pandemic, war, debt, and government policies. Each of these conditions can have major market impacts, both positive and negative.

In Sonoma County the market remained overheated for all of Q1 with home-price appreciation and supply-and-demand leading the pack. With mortgage rates rising at the beginning of Q2, the outlook is difficult to predict. Low inventory will continue to have an influence on pricing, but to what extent is still unclear. In the past, Q2 has typically been the highest demand and most active selling season of the year.

In Q1 2022, the median home price was $820,000. This statistic is a generalization which indicates that half of the homes sold closed below this figure and half sold for more than this amount. The median days on the market for Q1 2022 ranged from a high of 95 days (Kenwood) to a low of 22 days (Cotati).

Looking at the number of active listings over the past 6 years for the month of March would be a good indicator of how volatile the market has been:

  • March 2017: 515
  • March 2018: 528
  • March 2019: 761
  • March 2020: 800
  • March 2021: 554
  • March 2022: 360

Regardless of all the extenuating circumstances affecting the real estate market in Sonoma County, experts say we should only see a slight slow-down in appreciation and activity because Buyers are still looking to live in an area where they can have more for less when compared to other neighboring regions.

If you are hoping to buy anywhere in California soon, but are finding the tighter lending restrictions unforgiving, give Sun Pacific Mortgage a call at 707-523-2099 to discuss our Private Money loan programs or visit our website at www.sunpacificmortgage.com. These loans are specifically tailored to those who can’t qualify for conventional loans or who need a fast closing whether purchasing and refinancing.

Want To Get A Refinance Done?

hold onto that loanHold Onto That Loan With Private Money

If you or someone you know are having a tough time getting that refinance or purchase loan done, give us a chance to help you hold onto that loan using our trusted Private Money programs – like we did below:

Recently Funded

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We have helped many Borrowers get their loan done and funded fast!  If you or someone you know are having a tough time getting needed real estate financing – give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com.  We’ll let you know quickly how we can help you hold onto that refinance or purchase loan!

This Quick Draw Duo Wrangle In Loans!

This Quick Draw Duo Wrangle In Loans!We Wrangle In Those Loans Turned Down Elsewhere!

We have two main qualifications:

  1. At least 25% down payment or good existing equity and
  2. An ability to repay the loan.

Loan of the Week

Program: Investment Property Financing
Loan Size: $1,020,000
Days to Fund: 13 days
Location: El Dorado County
Reason Came To Us: We were contacted by an Agent who’s client was in need of a $760,000 loan for a home, but due to poor credit after a difficult divorce and high debt-to-income ratio, he wasn’t qualifying for a conventional loan.  This is where our Quick-Draw Duo wrangled in that loan and within just a few days, the relieved client had a completed loan through our family company!

This Quick Draw Due is at your service.  We won’t hesitate to help if we can, visit our website at www.sunpacificmortgage.com or call 707-523-2099.   We work with Real Estate Agents, Mortgage Brokers, Lenders and individual Borrowers too.

This Quick Private Money duo is at your service

Charging In Faster – For You!

Trust These Private Money Lenders For Fast FinancingTrust These Private Money Lenders For Fast Financing

For over 3 decades now we continue to offer our trusted, fast alternative mortgage financing for both real estate purchase and refinances.  Let us help you or someone you know by providing a FAST loan approval with one of our Private Money programs just like we did for these individuals below:

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If you or someone you know needs a FAST loan or just falls short of qualifying for conventional financing, our direct Private Money programs could be the solution!  If you have any questions or a particular scenario, then give the best Private Money Duo a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com.

Get Ahead Now – Loan of the Week!

Get Ahead Of The Herd With Private MoneyGet Ahead Of The Herd With Private Money

Need to pull equity out of your home? How about a quick refinance? Get you or someone you know ahead of the herd with our Direct Lending Programs!

Loan of the Week

Homebuyer in Contra Costa county came to us as they were turned down elsewhere due to debt-to-income ratio being too high.  They were looking for some fast refinancing of a $1,300,000 loan amount.  We had no problem with this and quickly gathered the needed items, got fast loan approval and the transaction completed within 11 days!

Visit our website at www.sunpacificmortgage.com or give us a call at 707-523-2099 with any questions or scenarios and we’ll quickly respond with how we can help you or someone you know, get ahead of the herd.

How To Wrangle Big and Fast Financing?

How To Wrangle Big and Fast Financing?Roping In The Loan Size & Speed Ya Need!

Need another fast purchase loan or refinance?  Getting turned down elsewhere for a loan?

The Guys in the White Hats will wrangle in stubborn financing, solving with our Private Money Programs. With funding options up to 3 million, after 34 years we still have not run out of money and are ready to quickly finance you or someone you know, just like we did for the Borrowers below:

Recently Helped Borrowers

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It’s not our first rodeo! At Sun Pacific Mortgage, we help Borrowers in California finance their real estate needs if they want fast loans or were turned down elsewhere.  Call Us at 707-523-2099 with your scenario or visit our website at www.sunpacificmortgage.com to see how we can help you or someone you know, wrangle in that loan!

Should I Buy a New Home or Sell Mine First?

Should I Buy a New Home or Sell Mine First

There are pluses and minuses to both decisions, regardless of which one you choose. Therefore, let’s examine all off the possible consequences to buying a new home or selling first:

Pluses:

  • Being able to snag a home when you see one you want.
  • Fewer moving hassles and no storage fees.
  • Easier selling process.
  • Cash offers give you a firm competitive advantage.
  • You might be able to avoid some capital gains taxes.
  • Relieves the stress of living in your home while trying to sell it.

Minuses:

  • You might need to juggle 2 mortgages for a while, but in a seller’s market which we are in now, this may not be much of a problem.
  • Selling and buying on the same day may cause some unexpected problems, such as financing delays or schedule changes.
  • You might need to borrow from your retirement savings for the down payment.

It would appear that the advantages far outweigh the cons in this scenario. But what are the options that allow for buying before selling?

Firstly, you could make a contingency offer allowing you to back out of the offer if you fail to sell your home on time. This is a definite “no-go” in today’s market where homes are being snatched up in fewer than a week in most cases.

Secondly, Buyers who use the equity tied up in their present home allows them to make an attractive cash offer and have a competitive advantage during these fierce bidding wars.

A simple solution to buying before selling is our popular Bridge Loan program. Using the equity in your present home to obtain enough money to make your down payment, allows you to quickly seal the deal on your new home. Sun Pacific Mortgage has been offering this program for owner-occupied and investment properties for 34 years in California. If you need fast money to secure your dream home, give us a call at 707-523-2099. Lately, we have saved many homebuyers from losing their sought-after dream home by providing the funds for them to purchase before selling.

Saddle Up! Fast Financing Now

Saddle Up! Fast Financing NowSaddle Up For Fast Private Money Loans!

Quick financing by the Fastest Funders in the West!  Saddle up and take advantage of the SPEED that Sun Pacific has to offer:

  • Fastest Close to date: 48 hours
  • Turned Down Elsewhere – We Can Help
  • Trusted by over 10,000 Borrowers
  • Family Owned & Operated for 34 years

Loan of the Week

Program: Investment Property Refinance
Loan Size: $2,650,000
Location: San Francisco County
Days To Close: 9 Days
Reason Came To Us: Borrower came to us for help after Underwriting withdrew loan approval shortly before they were to sign their refinance.  Borrower was mid construction on their new house and needed fast financing to complete the project.  We quickly got his loan approved and funded in just 9 days!

If you or someone you know needs fast financing or you’re having difficulty proving income or otherwise turned down, we have the answer.  Our Private Money programs make it easy to get that loan done and make you happy! Give us a call at 707-523-2099 with your scenario or visit our website at www.sunpacificmortgage.com to see how we can help.

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