The Spring real estate market may have gotten off to slow this year because winter refused to release its grip on Mother Earth.  However, you can be sure that with more sunny days, the market is returning with a vengeance!

April and May have historically proven to be the top months to sell a home.  In fact, the second quarter of the year (April, May, June), is affectionately referred to in the real estate biz as “The Spring Buyers Season”.  

If you’re thinking of selling your home this year, the time to list is NOW!  The National Association of Realtors recently published a report which stated that 41% of homes sold last month were on the market for less than 30 days.  This type of market sets up the seller for that much needed exposure.

As home values have continued to appreciate, more homeowners are feeling the freedom to move.  Housing inventory is still less than the 6-month supply needed for a normal real estate market.  This situation means there are not enough homes on the market to satisfy the number of potential buyers.  

In the past, homeowners have stayed in their homes an average of six years, but since 2011 that number has increased to an average of nine or ten years.  Many homeowners have a pent-up desire to move and finally feel the time is right.

If you are looking to enter or to move up in the market, but do not have the qualifications necessary to secure a conventional loan, a hard money loan might be your answer – as the alternative financing solution you were looking for!

Sun Pacific Mortgage is here to help with that.  Give us a call at 707-523-2099 and see how we help you move up or into the world of home ownership.

According to a majority of expert real estate prognosticators, 2019 will continue to bring a rise in home prices, as well as an increase in inventory.  All four major reporting agencies believe that home sales will outpace 2018. Studies show that 65% of Americans continue to believe that home-ownership is a good investment.

With the average home rental in California ringing in at $2500 per month, home-ownership is looking more and more attractive. The Millennials (ages 19-35) have been the driving force behind bidding wars in many areas of California, as they cast off their renter lifestyles and opt for putting down roots in a community.  The Millennial factor is a major reason 2019’s housing market will continue its healthy growth.

In case you are wondering how the 2019 real estate market is shaping up and compares to past years, C.A.R. (California Association of Realtors) released this California housing summary:

If you’re already a homeowner or real estate investor, good for you!  On the other hand, if you are adding to your landlord’s wealth instead of your own, let 2019 be the year you start accumulating your own retirement nest egg.  Leave the rental market and purchase a home. Someone is going to profit from California real estate this year, make it be you!

Sun Pacific Mortgage will be here today and in the foreseeable future to support your housing and investment needs.  We look forward to your call at (707) 523-2099.

Investing in Deeds of Trusts has been around for quite some time.  In the most simplistic terms, loans made via these real estate investments are like mortgages, except that there is an investor or pool of investors making the loan instead of a bank or lending institution.  

Trust deed investing can provide high returns.  In fact, private investments in trust deeds typically yield investors returns between 9% and 14% depending on the amount of risk. What makes trust deeds considered safer than stocks is the fact that these investments are secured equity, title insurance and a recorded trust deed.   While these are not necessarily liquid, the majority of such loans are for a shorter period of time, maturing in 12 to 24 months.

Unlike stocks, individual trust deed offerings offer investors a greater deal of control in their investment decisions.  Investors with Sun Pacific Mortgage are given all the relevant information regarding the subject property and the potential buyer. Investors can pick and choose loans based on the level of risk they are willing to take.  We provide all the information our investors need to make an informed, specific decision.

Sun Pacific Mortgage has been in business offering Hard Money Loans for 31 years.  

We have been able to help multitudes of home buyers and work with hundreds of private investors who increased their return on investments.  Much of our success is because we perform our due diligence before offering any trust deeds to our investors.

This makes it easier for them to determine their level of risk and to feel more secure in their business dealings with us.

Give us a call at 707-523-2099 or visit our investor information on our website to explore our investor program and learn how you can improve your financial picture in 2019 by diversifying your investment portfolio with our trust deeds.

Looking for ways to protect their financial security, many homeowners are investing their money in second homes, or are refinancing existing loans on rental property to upgrade them.   Whether they are looking for another source of income, or they need to improve their existing rental property, they recognize that real estate has proven to be a profitable and long-term financial shelter.  

But what if you do not qualify for a conventional loan from a bank or other lending institution?  All is not lost…that is where a Hard Money Home Loan can provide the answer.

What do you need for a hard money loan from Sun Pacific Mortgage?  There are two main qualifications for a rental property loan:

1. Equity or a decent down payment
2. An ability to repay the loan

What are some other characteristics of an investment property loan with us?

1. California real estate only
2. We go up to $2 million+ loan size
3. FICO score is not a factor
4. Up to 70% LTV (loan-to-value)
5. Fast funding

In the 30 years we have been in business, we have financed multitudes of investment property loans for a variety of issues:  Needed fast funding, discharged bankruptcies, more than one foreclosure, and less than pristine property. We make it our business to offer a second chance to earnest and honest borrowers.  

Start on your journey to financial independence by investigating the possibility of a hard money loan on rental property with Sun Pacific Mortgage.  We welcome all questions and scenarios to help inform you of “The Possible”.

Call us at 707-523-2099!

We have all heard the horror stories related to Non-Owner-Occupied investment properties, and have thought to ourselves, “Is the headache really worth it?”  Some would say the financial gains outweigh the grief. But what if you could have all the financial benefits and virtually none of the problems? Sound too good to be true?  

This is one time when that question does not need to be asked, because Trust Deed investments offer a lucrative option allowing you to invest in property with little to no blood, sweat or tears on your part.

At Sun Pacific Mortgage we do all the initial behind-the-scenes work for you, and a servicing company can handle all the work required after the signing, e.g. collecting payments and paying taxes.  This becomes the best of all worlds: you get a check each month, and you don’t get those annoying middle-of-the night phone calls.

With interest rates on non-owner-occupied hard money home loans ranging from 10%-13%, you can grow your investment at a much faster rate than almost any other speculative venture.  

If this sounds like an opportunity to build your retirement portfolio, give us a call at 707-523-2099 to discuss how Sun Pacific Mortgage can help you get started.