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Real Estate – Best Investment for Past 5 Years!


Despite the volatility of the real estate market in the past, most Americans, particularly Gen X’s, believe in the long-term advantages of property ownership.  A recent article in Keeping Current Matters stated that 2011 saw gold as the choice for 34% of investors, but today those same investors are turning to real estate as their number one investment.  The other choices for money growth fall into 3 categories:

  • 26% of investors are counting on the stock market
  • 17% are still investing in gold
  • 15% like the old, safe but slow growing, stand-by:  savings accounts

Besides the financial benefits of real estate investing, there are the powerful emotional reasons for buying a home.  Most real estate buyers or investors are looking for long-term stability needed to raise a family, the security of ownership, the space to “do your own thing”, and the ability to make changes to suit your living style.

Think you missed the boat with the real estate boom?  Think again and call Sun Pacific Mortgage! We have helped many individuals who wanted to become home owners themselves or helped investors who wanted to increase their real estate investments.

We can help you, too!  Give us a call today at 707-523-2099 or email us by clicking here.

How To Maximize The Profit From The Sale Of Your Home


Selling your home can prove to be either a smooth or bumpy process with varying rewards.  Two keys to ensure that your efforts yield the highest price possible are:

  • Price it a little low:  Statistically, it has been proven that property priced below Market Value encourages significantly more interest and higher selling prices than those priced above Market Value.  When examining this concept, it becomes clear that it is better to have multiple buyers fighting with each other over your home, than for you to be fighting with one buyer over the price.  Realtor.com advises: “Aim to price your property at or just below the going rate. Today’s buyers are highly informed, so if they sense they’re getting a deal, they’re likely to bid up a property that’s slightly underpriced, especially in areas with low inventory.” 
  • Use a Real Estate Professional:  Sellers may think they can improve their profit if they don’t pay a real estate commission,. But studies have shown that homes typically sell for more money when handled by a real estate professional.  Sales in 2017 suggest that the average price was almost 6% lower for FSBO sales of similar properties.

The “Take-Away” from this article:  To maximize the profit from the sale of your home, price your house at or slightly below the current market value and hire a professional.

Interested in alternative financing or private lending for your next home purchase? Give us a call today (707) 523-2099!

Arbitraries in Hard Money Lending

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Arbitraries in Hard Money Lending

On January 11, 2018 our office will celebrate having done loans for 30 years.  We have personally done and/or supervised thousands and thousands of loans.  We have almost seen it all.  Not too much surprises us anymore.

So, what does the word arbitrary mean?  The dictionary states “based on random choice or personal whim, rather than any reason or system”.

The loans made through my office in the last 6 years, (since the “recession”) regardless of the credit, regardless of the income and regardless of the location, because the property has equity, have not been foreclosed upon in any significant number.  Foreclosures have been started (this is your remedy for non-payment), but only 2 have gone to the Court House steps.  Those 2 had equity and the lender got all his money and more.

The arbitraries on underwriting a loan are credit, income and location, but as Hard Money Lenders our main concern is equity.

During the recent recession there were foreclosures in great number and EVERYONE was hit –  from the 30 year fixed rate borrowers to the hard money borrowers.  Values plummeted.  During that period it was not credit or income that drove the foreclosure market, but plummeting equity.

So, in the main, we are looking for a loan approval by an individual, who serves as underwriter in their capacity as lender.  This approval process ranges from an investor giving a very quick, “I’ll do that loan.  When can I fund?” to the investor who has a list of conditions regarding credit, income and/or the property as long as your arm.  Many investors settle for the middle ground, simply wanting clarifications on the loan application or about the property.

The underwriting of a Hard Money loan should mainly involve the equity in the home, whether a purchase or refinance.  That is statistically what matters.  This is a fact borne out of the numbers, just from my office, regarding Hard Money in the last 6 years and from 30 years’ experience with every type of loan available.

My hope is that this “blog” will make the process a bit simpler for you as the investor, and make it easier for you to get your money out there faster because you did not have to pour over the credit or the income.


Hometown Superheroes Bulletin #2


NOTE:  Please share with us any heroes you have personally observed, been thankful for or have been inspired by.  We will then share it with everyone.

Super Hero Alert:

● David Reyes, his son Luis Reyes (property owners and customers of ours from Hayward, CA) just personally bought and delivered 40 whole chicken dinners, 12 pizzas to the SR Veterans building for those that need it!!!!  Super Heroes!!!!

● Yesterday we started making an effort to Do the Usual.  Get the loans done!  Lo and behold the County Recorder opened their doors and started recording transactions yesterday! We were able to record a local transaction that HAD to be done by Friday.  We all came in early this morning and just received a delivery of a closing check. Pays to be early!  We expect several others by Friday!!!!  We’re feeling a little more normal.

● Tracy Escher at First American Title in Sebastopol is the only one manning that office!  She’s working her tush off – she’s a machine!  And getting it done!!  Thank You Tracy!!

● Adel’s Restaurant on the corner of Mendocino Ave and College:  Forest drove around for 40 minutes looking for a breakfast place.  He happened by Adel’s which was open at 6:15am!  A welcome sight.  They weren’t open the day before,  but gathered their group,  and are now open at 6:00 am and closing LATE.  They have 2 cooks and 3 waiters and 1 clean-up person.

● A clerk at Target, as we were checking out some clothes for the grandkids, listened to our granddaughter tell her story of losing her house and immediately asked another clerk helping to “go and get 2 pumpkins”.  They gave the kids 2 large pumpkins so they had something for Halloween.  It was sooooo lovely and cute.  There were a lot of workers at Target the day the fires struck Santa Rosa!!  So surprising.  Starbucks at Target was also buzzing with business.

● Looks like a lot of the big stores are allowing RVs to park and stay.  Very nice!

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.

Who Is Today’s Real Estate Investor?

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Who do you envision when you think of the stereotypical real estate investor?  The reality is far from the Hollywood image of the businessman in an expensive suit.  It turns out that the “average” real estate investor is more like you or your next-door neighbor.

Bigger Pockets, a real estate investment social network, had some insightful observations about today’s investors.  The following are some of the more common misconceptions associated with real estate investors along with a reality check:

  • In reality, real estate investors are split 75/25% with 75% being male and 25% female.
  • Real estate investors are wealth.  Many investors are not racking up big annual incomes, but have studiously saved and used creative financing options.  Their household incomes are much like yours.
  • A majority of real estate investors are 50+.  Most investors begin on their path to building wealth through real estate in their late 30’s and as a supplement to their 401K retirement plan.
  • A lot of real estate investors own apartment buildings or land.  Other investors own single family homes, because the upfront costs are less and these present fewer risks.


Many of these realities are our experience at Sun Pacific Mortgage, where we have been in the hard money lending business since 1988.  We partner with many new and experienced investors, who enjoy high returns, from 9-13% on their investments.  If you are interested in learning more about real estate investing, please call us at 707-523-2099.  You can also consult our website for further information on how to start earning with us.  

Sonoma County Real Estate Update


According to a recent article published by Pacific Union, Sonoma County’s 2nd Quarter real estate sales demonstrated a distinct divide between homes over $1 million and those under $1 million.  Homes priced between $1-3 million saw an increase in activity of almost 50%.  Homes listed under $1 million saw a noticeable decline in sales compared to the same quarter last year.  Sellers continue to hesitate when it comes to listing their homes in this price range, afraid they will not be able to find a suitable move-up home.

Because the demand for higher priced homes was very healthy, it helped create the perfect storm for bidding wars:  few homes available vs. many interested buyers.  

Since the end of the 2nd Quarter, Sonoma County has experienced the “summer slump”, but indicators are pointing to a more robust second half of the year.

If you are looking to get ahead in the real estate coming-boom, Sun Pacific Mortgage is here to help.  We offer “not-normal” loans for Borrowers who have difficulty getting approved for conventional financing or for Home Owners looking for a Bridge loan to buy another home before they sell their current house.  Give us a call at 707-523-2099.

Visit our Sonoma County website: http://www.sonomacountyhardmoneyloans.com/

Local Cities Named as California’s Best Place to Live

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In a recent study done by SmartAsset, 345 California cities were ranked the
best places to live with 5 of the top 10 spots going to the East Bay. Here
are the rankings:

No.1: San Ramon (Contra Costa County) – it is home to at least three
major corporate headquarters.

No.3: Dublin (Contra Costa County) – it is central to San Francisco,
Oakland, and San Jose.

No.5: Pleasanton tied for 5 th (Contra Costa County) – Safeway

No.9: Fremont (Alameda County) – close to Silicon Valley.

No.10: Hercules (Contra Costa County) – has the most affordable housing
of the top cities, with a median home value of $395,800.

All of these cities benefit by being in close proximity to San Francisco with
easy access to BART (Bay Area Rapid Transit).
Silicon Valley had 2 cities in the top 10:

No. 4: Foster City (San Mateo County) – Visa is headquartered here.

No. 7: Cupertino (San Mateo County) – Apple’s headquarters.

Some of the metrics used to determine ranking included: median monthly
housing cost, median home value, unemployment rate, and median
household income. This study used cities with at least a 20,000 population.

You can read the entire article at: https://smartasset.com/mortgage/the-
best-places- to-live- in-california

If you are looking for financing to make the move to one of these great
cities and need a fast loan or “not normal loan”, also known as hard money,
don’t hesitate to call us at 707-523- 2099 – we can help.

Bay Area’s Hottest Spots for Home Flippers

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A recent study done by ATTOM Data Solutions states some zip codes in the Bay are ranked among the nation’s hottest housing market for flippers. In the first two quarters of 2017 Contra Costa County, Santa Clara County, and Solano County were the locations that yielded the highest ROI for flippers.  Even though the Bay Area is one of the more expensive places to live in the country, there were big returns to be realized by those engaged in flipping houses.

Some of the more affordable cities who made the list include San Pablo, Concord, Pittsburg, Antioch, and Oakley in Contra Costa County with as much as a 62.9% ROI in one instance.

In Solano County, one of California’s hottest housing market in the past four months, a Fairfield zip code saw an ROI of 55% or $126,000.  Flippers in Campbell and some San Jose zip codes saw an ROI of 48.6% which equaled a happy return of $450,000!

With these outstanding returns, it is no wonder that flipping is alive and well in the Bay Area.  

As a Realtor or Lender, if you have been unable to help a client obtain a loan for one of these projects, give us a call at 707-523-2099.  We are in our 30th year of doing hard money loans in California, and getting loans approved for dump properties is no problem!

Visit our California North Bay Hard Money loans website: http://www.northbayhardmoneyloans.com/

Things You Might Overlook In Your Home Search

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You might think you have found your dream home, only to discover after you move in, that you missed some important “must-haves”.  I was reading a Realtor.com article recently and it was covering just this subject.  

Some of these critical features, buyers might not consider when house hunting.  They may not be deal breakers for some, but they are factors to consider when looking to buy a home:

  1. What is the neighborhood like at night?  Besides the safety issues, the neighborhood can change substantially at night when everyone is home from work and school.  
  2. The daily commute and traffic problems should be considered at various times of the day and evening.  You should know what it will take to get home because  you don’t want to arrive at your “dream home” after a “nightmare ride”.
  3. Read the CC&Rs carefully if you are buying into a homeowner’s association.  Many an unsuspecting homeowner has been surprised to find that they cannot park on the street in front of their house, for example.
  4. Some regulations might exist whereby you cannot rent out any part of your home for a short-term as on Airbnb, but you were counting on the extra income.
  5. The ratio of bedrooms to bathrooms is critical.  Most homeowners are comfortable with a Master Bath and at least one other bathroom.  A bathroom on every floor works best.
  6. If your property is on a septic system, has a well, or solar panels, a specialty inspection should be done to assure the integrity of these units.  These inspections are not part of the general home inspection.
  7. Don’t get “wowed” by the added amenities which can always be added after the sale and forget to focus on the things that cannot be changed or improved, like location and lot configuration.
  8. Keep in mind the resale value of your property.  Negative factors might not be important to you, but consider their impact on the rest of the buying public when you get ready to sell.
  9. Consider your future family needs for the home.  Will you need more space?  Will you need a home office?  Will you need to be near a good school and/or park?

After taking into account all of these considerations, align yourself with a local and reputable Realtor and Lender, who can make your dream come true.  

If you are looking to make a stronger offer, get a fast loan or have less than stellar credit, make that Lender Sun Pacific Mortgage!  We have been a Hard Money Lender in Santa Rosa for 29 years, and have helped hundreds of buyers who might otherwise have been kept out of the real estate market due to the stringent  requirements of traditional lenders.  Check out our Sonoma County based location website here: http://www.sonomacountyhardmoneyloans.com/

Please call us at 707-523-2099 and begin your journey toward homeownership.

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