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We Are Thankful For Being Able To Help Others With Our Loans

A Recent Hard Money Borrower Sent Us The Following:

“I wanted to thank you for your help in saving our home.

“Sun Pacific Mortgage and their hard money Lenders/Investors allowed us to save our home with a temporary hard money loan.  After going through a difficult financial time, we fell behind on our mortgage which prevented us from securing a conventional mortgage.   We were on the verge of making the difficult choice of selling our home or foreclosing, before contacting Sun Pacific Mortgage.

“The mortgage brokered by Sun Pacific Mortgage helped us save our home, which gave us time to clean up our credit.

“In addition, our Investor/Lender was flexible in extending our loan several months while we secured a conventional loan.  It was a win-win for everyone!

“After a two-year process, we are closing on a conventional refinance today!

“My family and I are eternally grateful for your service and the role Sun Pacific played in saving our home.

“Thank you again!” – Happy Borrower, D.B.

Don’t hesitate to call us at (707) 523-2099

Are You Asking “Should I Buy or Rent?”


It is surprising that even with the sustained rise in home prices over the last couple of years, buying a home can be noticeably less expensive than renting one in the Bay Area.

There was a recent study done that determined buying is 13% cheaper than renting a comparable home in the San Francisco Marin, and San Mateo counties. It jumps to 24% when you consider areas such as the Oakland area, which includes Alameda and Contra Costa counties.

Trulia does not see this picture changing significantly any time soon.  They predict a possible 2% decrease in the San Francisco housing market and 5.5% in the Oakland market.

But homeownership is much more than a comparison of mortgages vs. rents. In a study done by the California Association of Realtors, close to 75% of renters ranked homeownership as “important”.  Out of the group of renters surveyed, 44% said they were renting for financial reasons.  They regret the lack of equity building and the uncertainty of their monthly rental budget.

If you would like to cross over from “Renter” to “Owner”, but find yourself renting because you have credit issues, Sun Pacific Mortgage is here for you.  Our investors are more concerned with your ability to make your payments and the value of the property than in a credit score number, unlike traditional lending institutions.

If you would like to change your status from “Renter” to “Owner”, give us a call at 707-523-2099.

As We Rise From The Ashes


As we all begin to emerge out of the smoke and ashes to a new reality, we are faced with numerous, difficult hurdles.  Rebuilding or finding a new home is one of the major issues faced by so many today.

At Sun Pacific Mortgage we are standing ready to help with any of your financing problems.  We have already been contacted by several of our past borrowers, as well as new clients, to start the loan process on replacement homes.  These clients need a fast response and faster cash to secure homes that they are fortunate enough to find.  We are known for our ability to provide financing as soon as one week depending on how quickly we are provided the necessary documents.  

If you need a trusted partner in this journey toward the “new normal”, give us a call and we will be pleased to provide you with the financial means to establish your “new beginning”.

We Won’t Leave You Hanging!

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Our “not-normal loans”, also known as Hard Money, have just 2 main qualifications and you can get your money fast:

  • Decent existing equity or at least 25% down payment.
  • An ability to repay the loan (source of income).


Our fastest loan funding was in 3 days – we get many loans approved and funded in less than 2 weeks.  We don’t leave you hanging, wondering if you will ever get the loan you need!

We are here to help you, a client or someone you know with our lending programs.  Call us today at 707-523-2099.

Best, Forest & Ken – The Guys in the White Hats


Recently Funded Not-Normal Loans:


Santa Rosa, California (Sonoma County)
Loan Amount: $768,000
Loan Program: Bridge loan
Loan To Value: 78%
Days To Fund: 12 days
Why Turned Down Elsewhere: Needed a fast loan

Orangevale, California (Sacramento County)
Loan Amount: $395,000
Loan Program: Owner Occupied Business Purpose
Loan To Value: 65%
Days To Fund: 19 days
Why Turned Down Elsewhere: Bankruptcy

Santa Rosa, California (Sonoma County)
Loan Amount: $560,000
Loan Program: Investment Property Purchase
Loan To Value: 60%
Days To Fund: 8 days
Why Turned Down Elsewhere: FICO issues

South Lake Tahoe, California (El Dorado County)
Loan Amount: $551,000
Loan Program: Owner Occupied Temporary
Loan To Value: 64%
Days To Fund: 14 days
Why Turned Down Elsewhere: Property condition

Vallejo, California (Solano County)
Loan Amount: $420,000
Loan Program: Investment Property Refinance
Loan To Value: 56%
Days To Fund: 24 days
Why Turned Down Elsewhere: Short sale


CALL TODAY, The Guys in the White Hats at



Hometown Superheroes Bulletin #3

“Force Yourself To Smile And You’ll Soon Stop Frowning.”

There are many things we can all be thankful for at this time and a lot of rebuilding to get started on, so it is time to get back to work.

If we can be of service with our fast real estate financing options, please reach out and let us know!

Best, Forest & Ken – The Guys in the White Hats


Super Heroes Alert:

● “Operation BBQ” put on by Guy Fieri at the SR Vets Memorial Building. Our very own Milton Close from Pinnacle Capital was there, helping to serve needed food to thousands!!

● Our company is helping a local Realtor who has home buyers that wanted to put a FOR SURE TO BE ACCEPTED offer in on a new home as their house burned down in the Fountaingrove fire.  We got right onto it, got loan approval and their offer was approved!  They can close and be in the new house in 2 weeks.  Smart Realtor!!

● Our firefighters have made record flight hours and record retardant drops on our fires. They are working hard to kick the fires butt!

● Vineyard Dental on Sonoma Ave is open and letting anyone who needs Wifi and office space, use theirs. Go on in!

Heroes Among Us

Heroes Among Us – Production Is The Basis Of Moralejpeg

We are back at work full time to help get the job done.  We know that getting back to work and producing makes one feel better.  Must admit, this has all been difficult!  We were struck by tragedy, (Ken-top producer and Ari -head of Marketing lost their home to the fire).  Nothing was open for business and then we were evacuated from our home.  We needed some Heroes!
Here are some of our personal heroes who helped us get it together:

● To the many men and women firefighters and police from multiple counties as well as armed forces who have come to Sonoma County to selflessly help fight these wildfires.

● Monday evening there was no place to eat, all the restaurants were closed. We found Outback Steakhouse in Rohnert Park open with just 1 waiter who had decided to come in on his day off and help serve those he knew would be in need.  He was smiling and so were we!

● For a while we could not find a grocery store that was open.  We finally discovered Safeway on 4th Street open.  We were told by the wonderful clerks who decided to work that the Manager’s house burned down and at 2:00 am he brought his wife and kids to the store.  He then called as many clerks in as would come and opened up for the crowd outside in the parking lot.  Many Heroes there!

● Tuesday morning we needed a place to eat for breakfast.  We finally found IHOP open, with only 1 cook, who had decided to come in and help, despite the loss and devastation of the fire.

Again, we are open and working to keep getting loans funded and escrows closed.

To Our Home Town Heroes – Thank You!!!!

Hi-Ho Hard Money

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One of the marks of an expert Realtor or Lender is familiarity with all types of home loan programs.  This includes “not-normal-financing”, also known as Hard Money. These programs might enable you to bring that better offer to a Seller, or to be the best Agent for your client.

We can help with these! Call us today at 707-523-2099.

Best, Ken & Forest  – The Guys in the White Hats


Not-Normal Loans Recently Funded By Us:


San Francisco Real Estate Market Today



If you have been following the real estate news, you are very aware that Sellers have been in control of the San Francisco real estate market for many months.  As we move into Fall, nothing has changed.  In fact presently there are only 1.5 months of inventory.  The measure of a Buyer’s market is 6 months of inventory.

What should this say to the “on-the-fence” Seller?  If you have been seriously thinking of selling your home, you might want to make your move sooner rather than later.  There is a great demand for homes and the chances of getting top dollar for yours is better now than it will be in a Buyer’s market.

Mortgage rates may be low now, but if you are in a position that does not allow you to access these better rates, give us a call here at Sun Pacific Mortgage.  We cater to that portion of the buyer population who needs a fast loan, has less than stellar credit or who has difficulty proving their income.  We offer bridge loans as well, so if you find a home you want, but haven’t sold your current house yet, we can help with that too!

As of early September, there were 614 homes for sale in San Francisco.  One of these could be yours if you act now. Call us at 707-523-2099 and see how we can help.

Super-Fast Loan Done For Lender

Ken as viggoProperty Refinance in Contra Costa, California

One of my Lender friends called with a rush transaction he needed help on:

He couldn’t get his client approved for a $670k first mortgage because of her difficult-to-prove income.  She was in escrow on a new purchase of a multi-family property and needed a loan fast.

In just under 2 weeks, we had this loan approved at 10% interest, with a successful purchase and very happy Lender client. Now that’s super-fast financing!

Hard Money loans are like the Olympians of financing.  They have speed and agility.

We work with many loan Brokers, Lenders and Realtors.  They and their clients can benefit from hard money, which provides a very necessary need in real estate buying these days.

Call us at 707-523-2099 with your scenarios or questions.  Here to help!

Housing Market Update For San Francisco

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The convergence of several factors has brought the real estate market in San Francisco to new heights and new lows.  The second quarter of 2017 saw unprecedented buyer activity, but a drop in inventory.  The results were the lowest supply of homes in two years, but the shortest days on the market – good news for both Sellers and Buyers.

According to a blogger for Pacific Union, we can look for a resurgence of business this Fall after a slow down during the third quarter.  Some potential home buyers, who have been undecided, may be motivated to make a move because of the prediction of higher interest rates in the coming months.

If you find your perfect replacement home before you even list your own, consider a short-term bridge loan to make your offer more attractive.  This loan program may allow you to capture the deal without the stressful back- and-forth of contract negotiations.  

Sun Pacific Mortgage is confident that we can provide you with unparalleled service and assist you in getting into the home of your dreams regardless of your borrowing difficulties.  Please give us a call at 707-523-2099 or email me.

Visit our San Francisco Hard Money website: www.sanfranciscohardmoneylenders.com

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