End the wild ride and get real estate financing with one of our Direct Private Money Programs.
Purchase or Refinance mortgage taking too long? Or being turned down at the last minute? Let us help you or someone you know fulfill the need for BIG Speed Lending, just like we did below:
Recently Helped Borrowers
We look forward to helping you or someone you know with our BIG and Fast Private Money programs. Call us at 707-523-2099 or visit our website at www.sunpacificmortgage.com with your scenario and we will get back to you with how we can help!
Take advantage of our Private Money Loans and their many benefits:
Turned Down Elsewhere – We Can Help!
Trusted By Over 10,000 Borrowers
Loan of the Week
Program: Multi-Family Investment Refinance
Loan Size: 2.1 million
Location: Orange County
Why Came To Us: Mortgage Broker brought us her Borrower who was looking to refinance a rental. Borrower didn’t qualify for conventional financing due to high debt-to-income ratios and low credit, but this refinance was to fix both issues. With a loan to value of 54% we quickly had loan approval for his jumbo loan. Borrower was very happy with cash in hand & Broker relieved they could close another transaction with a grateful client!
At Sun Pacific Mortgage we are known for our fast resolution to large lending issues and we pride ourselves in skillfully navigating any rough lending waves! If you or someone you know need such services, call us at 707-523-2099 or visit our website at www.sunpacificmortgage.com. We have helped thousands of Borrowers and Homebuyers ride our private money jumbo waves, resulting in attaining the loan they wanted.
Are you unable to get home loan approval? Private Money loans are FAST, and we work those in need of fast financing, or they’ve been turned down elsewhere.
We’ll help you jump higher and go faster towards that new home or refinance, like was done below:
Continuing our 34-year legacy of helping rescue any loan that falls through or doesn’t quite qualify at this time. We’ve got those FAST Private Money Loans! Visit our website at www.sunpacificmortgage.com or Call 707-523-2099 with questions or scenarios – we’ll quickly reply.
See below for our wave-breaking speed, loan of the week!
Local Loan of the Week
Program: Owner-Occupied Bridge Purchase Loan Size: 739k Location: Sonoma County Days to Fund: 6 days! Why Came To Us: Homebuyer was in Escrow when their conventional Lender turned them down due to last minute debt to income ratios being too high. They needed some wave-breaking speed to fund their purchase, otherwise lose their large deposit and miss out on their dream home. Within just 6 days, their loan was approved, funded, and keys in hand to their new home! Needless to say, Buyers were relieved and very appreciative.
Continuing our 34+ year Private Money Lending legacy, we are here if you need us! Visit our website at www.sunpacificmortgage.com or call today: 707-523-2099 with questions or scenarios and we’ll let you know what we can do to help you, a family member, or a friend.
This unique program is for Borrowers & Buyers who are just shy of qualifying for “A paper” home financing. It’s our Hot program offering lower Hard Money rates from 7%- 9%:
Borrowers with good credit (640+)
Lower Loan To Value (less than 60% LTV)
Nice property in good location
Fast financing (many funded in less than 1 week)
Recently Funded Alt-A Scenario By Us:
Santa Rosa Home Buyer is turned down by her Lender 23 days into a 30-day Escrow, just had an alleged last-minute issue as to proof of income. Her Agent luckily knew of us and immediately called our office, requesting quick help. In just 6 days we had her loan approved and funds ready for her needed Bridge Loan of $946,870!
We continue to also offer our traditional Hard Money loan programs for those in need of fast cash, turned down elsewhere for credit issues or difficult to prove income or other disqualifying issues with conventional lenders.
Call us at 707-523-2099 or visit our website at www.sunpacificmortgage.com with any questions or scenarios and we’ll reply quickly with what we can do for you or someone you know!
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.
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.
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:
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!
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.