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!
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!
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.
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:
If 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.
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!
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.
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
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!
At least 25% down payment or good existing equity and
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.
Trust 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:
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.
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.
