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Frightfully Fast Financing For All!

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Take advantage of our Frightfully Fast Private Money loans this Halloween:

  • Get your loan financed faster!
  • Our fastest funding in just 2 days!
  • Financing for Owner Occupied and Non-Owner Occupied Properties
  • Difficult to prove income – Not a problem
  • Credit issues – Not a problem

Send us your scenarios or questions and we’ll quickly let you know what we can do to help!  Call Today 707-523-2099 or visit our website www.sunpacificmortgage.com.

Scary Good Home Financing!

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No need to be scared – we offer FAST financing! 

Let us help with your refinance or purchase. 

We Are Direct Private Money Lenders:

 Our Programs can finance Borrowers who have: 

  • 10 Day Close on a Purchase
  • Owner Occupied Property
  • Difficult to prove income
  • Credit problems
  • Problem properties

Recently Funded

Recently Funded

Give us a call at 707-523-2099 with your questions or scenarios. We will quickly let you know how we can help make any scariness go away!

We look forward to doing business with you in the near future.

Spooktacular Loan of the Week!

Spooktacular Loan of the Week!

We are privileged to have many Past Borrowers who have been placing their trust in us for the past 33 years.  Still here to help with our Private Money Loans:

  • Get FAST Approvals! 
  • Owner Occupied Financing
  • Credit Issues Are Not A Problem 
  • We Are A Direct Lender

Our Spooktacular Loan of the Week

A Broker in Santa Clara County sent his Borrower’s loan to us, due to some scary credit issues that popped up at the last minute.  They were in Escrow and had just two weeks to close.

This Borrower was an investor who quickly needed rescuing with a large loan of 732,000 to purchase a rental property he was already in contract to buy.  With the loan to value of 58%, it took us just 11 days to complete all the necessary loan docs and help get Escrow closed!

Are you a Home Buyer or Homeowner who needs a fast home loan or refinance? Or you are having difficulty getting loan approval? Give us a call today at 707-523-2099. Or visit our website at www.sunpacificmortgage.com. We’ll be happy to get you a proposal on how we can help with our spooktacular Private Money Programs.

Need A Better Lending Option?

carrying on the legacy of hard money

Carrying on the legacy of 33+ years of private money lending:

  • Credit Problems Okay!
  • FAST Financing!
  • Jumbo Loans Provided!
  • Trusted By Over 10,000 Borrowers!

Loan of the Week

A Home Buyer was referred to us by his Realtor and conventional Lender in San Mateo County.  There was a credit problem that required a few more months of handling before this particular Buyer could qualify for a conventional loan.

So, they came to us for a short-term jumbo loan of 802,000.  Despite the size of loan, with a lower loan to value of 61%, we were able to quickly get the loan approved, funded and money to Escrow within just 7 days!

Call Us Today at 707-523-2099 or reply back here.  You’ll quickly hear back with a proposal as to what we can do for you.

Loan of the Week – Finance Legacy

Carrying on the legacy of 33+ years of private money lending:

Fast Loans – Refinance or Purchase

  • Credit Problems Okay
  • FAST Financing!
  • Million Dollar Loans Provided
  • Trusted By Over 10,000 Borrowers!

Loan of the Week

A Home Buyer was referred to us by his Realtor and conventional Lender in San Mateo County.  There was a credit problem that required a few more months of handling before this particular Buyer could qualify for a conventional loan.

So, they came to us for a short-term jumbo loan of 802,000.  Despite the size of loan, with a lower loan to value of 61%, we were able to quickly get the loan approved, funded and money to Escrow within just 7 days!

Call Us Today at 707-523-2099.  You’ll quickly hear back with a proposal as to what we can do for your Buyer.

Recently Funded – Get Your Loan!

Let us help you with our FAST Private Money Loan Programs, just as we did below:

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  • FAST Close!
  • Credit not an issue
  • We finance primary and investment properties
  • Trusted by more than 10,000 Borrowers

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Give us a call at 707-523-2099 with any questions or scenarios.  We will quickly answer with what we can do to help!

Fast Loans – Refinance or Purchase!

Fast Loans – Refinance or Purchase

Avoid any loan slows or disapprovals by coming to us for fast a Private Money loan!

Loan of the Week

We received a call from a San Mateo Broker and his Borrower, asking if we could perform one of our “fast miracles”.  This individual wasn’t getting fast enough loan approval from his current Lender, and he didn’t want to miss out on a great house that he had finally gotten into contract on.

As one of our specialties is speed, we got right onto it:

  • Bridge Loan
  • 631,500 Purchase Price
  • 64% LTV
  • Funded in 7 days!

We can help you with a loan, just like we did above. Call us at 707-523-2099 with your scenario today. Or visit our website at www.sunpacificmortgage.com.  We’ll quickly reply with how we can help!

4 Biggest Myths About Hard Money Loans

4 Biggest Myths About Hard Money Loans

All real estate investing can be scary, but especially when talking about “hard money loans”.  In reality, hard money loans are fairly common when it comes to real estate investing.  By definition, hard money or privately funded loans, are just that: loans given by individuals instead of by a bank or traditional lending institution.  Despite that simple explanation, there are still lots of myths about hard money loans.  Let’s exam and dispel some of these here:

  1. Only the Desperate Seek Out Hard Money Loans:  Most of the people who seek out hard money loans are smart business people who need a very quick close not possible with larger institutions, have bad credit, recent bankruptcy or they have difficulty proving income.
  2. Hard Money Lenders Are All Loan Sharks: These lenders are business people just like their clients and are fully aware that fairness and good business sense means you get return business.  Sun Pacific Mortgage has been in business for over 33 years, it’s owned and operated by a family of very dedicated business professionals with hundreds of repeat Borrowers and weekly referred Borrowers.
  3. Hard Money Loans Are More Expensive Than Traditional Ones:  If time is money, than to get money in less than a week so you can acquire a property for a profit is essential.  If a traditional lender can’t get you the funds in time to salvage the deal, then it is simply not a valid option.
  4. Hard Money Loans Have Draconian Rules:  Generally speaking, hard money loans have different restrictions put on them than consumer loans.  Lenders and borrowers are encouraged to negotiate until they reach mutually acceptable terms.  All governmental regulations regarding hard money loans are strictly adhered to by Sun Pacific Mortgage.

Sun Pacific Mortgage has been able to help thousands of borrowers and investors enhance their family wealth by being there when they were needed.  We are the “Guys in the White Hats” who can rescue a real estate deal when it suddenly turns sour if Underwriting disapproves the loan; We are there for FAST financing needed for those quicker closes.  Give us call (707-523-2099) to see what we can do for you.

Need Help With That Loan?

We Can Help You Like We Did Those Below:Screen Shot 2021 08 30 at 12.57.13 PM

  • Need a Big Loan = We Do These!
  • Difficult to Prove Income = OK!
  • Credit Problems = No Problem!
  • Get FAST Approvals!

Need Help With That Loan

Continuing our 33 year legacy, we are here if you need us. Call today: 707-523-2099 with questions or scenarios and we’ll let you know what we can do for you.

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