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Real Estate Continues To Be A Great Investment

Real Estate Continues To Be A Great Investment

For a variety of reasons, the predicted recession of 2020 never affected the real estate market segment anywhere in the United States, but particularly in California.

Back in March there was much “gloom and doom” with a tsunami of foreclosures expected as we sheltered in place.  Instead, a housing boom has emerged in many of the top counties of California including Sonoma County, San Francisco and the Peninsula areas of San Mateo & Santa Clara Counties.  All with appreciation exploding and homes being swept up in record time!  You just need to ask a homebuyer from this past year how easy it was to find and procure a home, given the stiff competition and lack of inventory.

We have definitely seen a V-shaped recovery in the real estate market as opposed to the other shaped recoveries, i.e., U-shaped, W-shaped, and    L-shaped.   Even early in the pandemic, the WSJ polled its economists and found that 68% predicted a V-shaped recovery for real estate.  Nevertheless, some naysayers persisted in believing and predicting a real estate crash akin to the last one.  And yet August sales for both existing and new homes hit their highest mark since 2006.

This winter, when we generally expect to see a slowdown in real estate sales given the holidays and bad weather, instead we saw an increase of 30% in mortgage applications for home purchases.  Also surprising was the increase of 11.4% in home values nationwide and an even greater increase in California.

While the stock market has seemed like a dizzying rollercoaster ride this past year, the real estate market has had a steady ascent.  Investors looking for a haven for their wealth, have turned to the real estate market in greater numbers than ever.

If you have ever thought about adding real estate to your retirement portfolio, this may be the ideal time to do it. Want more than 7-9% return on your investments? Deeds of Trust can help you achieve this!

Give us a call at 707-523-2099 to become one of our trusted private money investors.  It’s a great way to expand your wealth in property and become a land baron without the hassle of being a landlord/landlady.  We have 3 decades of experience as a family-owned-and-operated private money broker while maintaining a sterling reputation with buyers and investors alike.

How Did North Bay Real Estate Market End The Year?

How Did North Bay Real Estate Market End The Year

Recession?  What recession?  This word has alluded the real estate market since early spring.  We have only to look at December’s North Bay market numbers to see that there has been little to no effect on the real estate segment in Sonoma, Marin, and Napa Counties.  Here is proof based on data points from the North Bay MLS as it relates to single family homes:


  • Sold:  355 (up 35% from 2019)
  • New Listings:  179
  • Closed Escrows:  421 (up 31% from 2019)
  • Remaining listings December 31:  500 (down 22% from 2019)


  • Sold:  146 (up 68% from 2019)
  • New Listings:  57
  • Closed Escrows:  238 (up 35% from 2019)
  • Remaining listings December 31: 154


  • Sold:  79
  • New Listings:  38 (down 22% from 2019)
  • Closed Escrows:  128 (up 42% from 2019)
  • Remaining listings December 31: 183

These statistics would seem to confirm the trend toward deurbanization that we have witnesses since the spring this year.  More homeowners in the core Bay Area metropolises are seeking space and homes that allow for work-at-home and remote schooling.   Add to this wish list the desire for more outdoor space and you have the directions to the North Bay real estate market.

If you are thinking of making a move anywhere in California, but cannot qualify for a conventional loan, give Sun Pacific Mortgage a call at 707-523-2099.  We have helped thousands of folks just like you over the past three decades to obtain private money loans and land their dream homes.

Sonoma County Real Estate Kicks Off In 2021

Sonoma County Real Estate Kicks Off In 2021

If there was ever a question regarding the health of Sonoma County’s real estate market, it was answered during the 2nd week of January 2021.

Based on information obtained from MLS data, here are some solid facts to confirm the upward trajectory of the market just as the year is jetting into 2021:

  • Active Listings:  557 over the 554 the previous week.
  • Sold:  78 over the 71 the prior week.
  • Coming Soon:  20 over 17 in the previous week.
  • Santa Rosa Active Listings:  256 which is just about level with the previous week of 257.

With strong demand from buyers, sellers can be assured of a quick close to their listing.  Call your real estate agent soon to get started on your way to finding a path to financial security and a better life.

And, for anyone who is having slow mortgage approval through conventional lending institutions, private money could be the temporary solution!  Our family company of 33 years has various private money loan programs and we stand ready to answer any questions and get you fast financing to buy that home.

Housing Market Forecast: What’s Ahead in 2021?


Even the experts were surprised by the growth in the California housing market during 2020.  Almost every county had rising real estate values & sales including Sonoma County, Napa, Marin, Monterey, San Mateo and San Francisco. The big question now is:  What will the market look like in 2021?  Here are some of the facts that drove the market this past year and how they may play out in 2021:

  • One of the driving forces this year has been the low interest rates.  The good news is that rates will remain low for the foreseeable future.
  • Home sales are predicted to grow by 7% in 2021.  Some of this increase will be the result of a stronger inventory supply.  Homeowners who hesitated to sell this year will feel more confident once the pandemic restrictions are loosened.
  • Home prices are projected to appreciate 3-4%.  The somewhat slower pace of appreciation compared to 2020 may be the result of a more balanced market.  When inventory rises, prices will accelerate at a steadier pace. And with many new homes being in both Northern California and Southern California, you can bet this will be the case.
  • Foreclosures should not lead to price declines.  The new year 2021 should see some improvement as businesses get back to a more normal condition.  Experts don’t expect to see the foreclosure crisis we saw in 2008.   According to Lawrence Yun, Chief Economist at NAR:
    “Any foreclosure increases will likely be quickly absorbed by the market.  It will not lead to any price declines.”

Despite everything that happened this year, the real estate market not only survived but thrived and played a big role in our California economic recovery.  The next 12 months are just as promising.  Buyer traffic is predicted to stay high and inventory levels are expected to rise.

If you saw your FICO score decline during these past months, or are self employed with difficult to prove income or having some other difficulty with mortgage approval to or refinance property, give Sun Pacific Mortgage a call at 707-523-2099.  We offer private money financing on real estate to borrowers who want fast financing or do not qualify for conventional loans at the moment.  We may be able to help you, too.

Real Estate Becomes the Driving Force in the Economy

Real Estate Becomes the Driving Force in the Economy

It is safe to say that the word “home” has taken on new meaning during this year’s health issues.  In California, many have considered buying or selling much sooner than they anticipated.  This demand and lower housing inventory in many California counties, have seen an almost unprecedented appreciation in real estate values.

According to the Bureau of Economic Analysis, the U.S. Gross Domestic Product increased at an annual rate of 33.1% in the 3rd quarter of this year, after decreasing by 31.4% in the 2nd quarter.  There is no doubt the growing economy is being fueled in large part by the healthy housing market.  Economist forecast this housing growth to continue into 2021,  which will make a big impact on the economy next year as well.

For years, real estate has been considered the best and safest investment you can make.  A major reason for this characterization is the fact that an individual’s net worth is through homeownership.  According to the 2019 Survey of Consumer Finance Data from the Federal Reserve, for the average homeowner: “…a primary home accounts for 90% of the total wealth of a family in the U.S.”

The National Association of Realtors has explained how wealth gains tend to play out over time:  “Housing wealth accumulation takes time and is built up by paying off the mortgage debt and by price appreciation.  And while home prices can fall, home prices tend to recover and go up over the longer term.”

Whether you are a current homeowner in one of many California’s populated counties, planning to put your equity toward a new home or have hopes of buying your first home soon, homeownership will always be a great opportunity to build your net worth.  Owning a home is unquestionably an investment in your financial future.

If you have difficulties qualifying for a conventional home loan, give Sun Pacific Mortgage a call at 707-523-2099 to see if private financing is a solution to your problem.  We have helped thousands in California over the past 32 years to realize their dream of home ownership.

November Real Estate Statistics for Napa and Marin Counties

November Real Estate Statistics for Napa and Marin Counties

In November, real estate continued to surprise and elate homeowners of  Napa and Marin Counties.  There was no problem getting homes sold, but finding a home was still a problem because of the lack of inventory.

Here are some of the single family home statistics found for each county:


  • New listings:  101
  • Into escrow:  215 (37% increase over 2019)
  • Closings:  245 (188 in 2019)
  • Listings remaining at beginning of December:  243


  • New listings:  91 (44% increase over 2019)
  • Into escrow:  112
  • Closings:  100 (25% increase over 2019)
  • Listings remaining at beginning of December:  251

The effects of deurbanization has been evident in all the North Bay counties since the pandemic began.  With 2020 almost behind us, the wildfire season abated and real estate maintaining its strength, we can expect to find real estate booming into 2021.

If you want to get into the market but have difficulty qualifying for a conventional loan, give Sun Pacific Mortgage a call at 707-523-2099.  Our specialty is finding private money funding for purchasing and refinancing homes, rentals and commercial property.  We are one of the few remaining brokers who still lend on owner-occupied properties.  We look forward to your call.

The Real Estate Market and the Election Year

The Real Estate Market and the Election Year

Historically speaking, home sales typically slow down in the Fall after the spring and summer rush.  However, 2020 has been anything but “typical” across all aspects of our lives.  To make it more uncertain, 2020 has also been an election year.

Election years have caused disruptions to the economy in the past, but once again, this year has been significantly different-in a good way. Despite unprecedented fires, floods and a pandemic, real estate has been especially robust in California as well as across the rest of the nation.  This phenomenon is expected to persist throughout 2021 according to a leading real estate research firm:

“…, the year after a presidential election is the best of the four-year cycle.  This suggests that demand for new housing is not lost because of election uncertainty, rather it gets pushed out to the following year as long as the economy stays on track.”

And, unlike other pre-election slowdowns, California certainly didn’t follow any historical trends when it came to the real estate market this year.  We know our economy is tightly connected to politics, and real estate is tightly connected to the economy.  But in spite of everything, the housing recovery has been nothing short of remarkable when viewing such counties as Sonoma County, Napa, San Francisco, Monterey, San Mateo and the list goes on.

A big piece of this recovery is due to consumer confidence.  Buyers are concerned about missing out on the opportunity to expand their real estate investments.  Keep in mind that low inventory and high buyer demand continues to put sellers in the driver’s seat, however.

If you want to profit from this opportunity to grow your family’s wealth and security, but do not qualify for a conventional loan, give Sun Pacific Mortgage a call at 707-523-2099.

We have served the entire communities of both Northern California and Southern California for over 32 years, offering private money loans to those who need a fast closing or find it difficult to prove their income.  New Covid-19 regulations have made it even more difficult to obtain a loan these days.  We are not hampered by these new restrictions and can get the job done for you in record time.   Sometimes in less than a week!  We look forward to aiding you in your investment pursuits or to buy your own home.

2021 Housing Forecast Looking Rosy

2021 Housing Forecast Looking Rosy 1

Most of us living in California will be happy to bid, “Good riddance” to 2020.  While much of the hallmarks of this past year will go away, the rising home prices in many California counties which became distinct characteristic of this past year, may be here to stay.

Realtor.com’s housing forecast predicts record-high prices will continue rising in 2021.  The frenetic pace of price growth seen in 2020 may slow somewhat, but prices are still expected to jump 5.7% next year.

According to Danielle Hale, Chief Economist at realtor.com:

“We expect affordability to become a bigger challenge.  It’s going to make housing more expensive. [But] home prices will rise slower than this year, on the upper end of what we consider normal price growth.”

However, higher prices aren’t likely to discourage determined buyers – as has proven this year with continued real estate sales throughout many busy counties including San Francisco, Los Angeles, Sonoma, Monterey and more.

Sales of existing homes are projected to increase 7% in 2021.  Besides those buyers who are looking for larger homes for work and school demands, there will be many baby boomers looking to downsize and apartment dwellers seeking homes of their own.

More homes are likely to become available in the last six months of 2021.  The increase in inventory will, most probably, be because of more sellers listing their properties as well as builders completing more new homes.

If you are a borrower who cannot qualify for a conventional loan and are looking to take advantage of the lower prices now as opposed to higher prices predicted in 2021, give Sun Pacific Mortgage a call at 707-523-2099.   We have been in the private money lending business for over 32 years and have helped thousands of borrowers just like you.  Don’t wait until you are priced out of the market, give us call now.

Get Ahead Of The Home-Buyer Competition

Get Ahead Of The Home Buyer Competition

One phenomenon that has surprised many home seekers this year is the competition that awaits them when they begin their search.  With the pandemic restrictions, many assumed that the housing market would slow down, but that has hardly been the case, especially here in California.

California homebuyers’ demands have escalated for several reasons, primarily because of low interest rates and the need for more space now that families are home more, engaged in work and school.  Many of our homes’ shortcomings have been magnified with the increased time being spent there.

Finding your dream home today is more challenging than ever, and some shoppers are tempted to put their search on hold because of the stiff competition. The latest data from the National Association of Realtors found that in today’s market, the average house receives 3.4 offers before it’s sold.  This means that for every buyer who purchases a home, there are on average 2-3 buyers who need to begin their search all over again.

Experts anticipate home prices will continue to rise into 2021 along with interest rates as the economy strengthens.   With this scenario facing prospective buyers throughout California, they will most likely run the risk of finding a more expensive housing market when they start looking again.  The conclusion to be made with these prospective outcomes is that the winter of 2020-2021 is the right time to make your move!

If you find yourself needing a fast close to put you in a better position against your competition when making your real estate offer, consider a private money loan from Sun Pacific Mortgage.  We offer quick private money loans that will make your offer stand out in the crowd.  Give us a call at 707-523-2099 and see what we can do for you.

This Economy’s Recovery is a Surprise to Even the Most Experienced Economists

This Economy’s Recovery is a Surprise to Even the Most Experienced Economists

Remember back in March when it was all gloom and doom relative to the economy?  The predictions were downright apocalyptic not just for California but most of America!  It was even going to be another Great Depression.  Fast forward to September…while the country is still a little unstable, it is evident that we will not face the total devastation projected by some soothsayers.  The Wall Street Journal just reported:

“The U.S. economy and labor market are recovering from the coronavirus-related downturn more quickly than previously expected…Business and academic economists polled by WSJ expect gross domestic product to increase at an annualized rate of 23.9% in the 3rd quarter.  That is up sharply from an expectation of an 18.3% growth rate in the previous survey.”

The question remains, what shape will this recovery take?  Historically, recoveries have taken the form of one of four letters:  V, U, W, or L

  • V-shaped recoveries are all about the speed of the recovery.
  • U-shaped recoveries are characterized by a sharp fall into a recession but remaining depressed for a longer period than a V, possibly even for several years.
  • W-shaped recoveries begin like a V-shaped recovery, but plunge into a second, often smaller depression before fully recovering to pre-recession levels.
  • L-shaped recoveries are the worst-case scenarios.  Although the economy begins to grow, it remains at a much lower base than before the recession and can last several years.  The 2008 recession was an example of this type of recovery.

The Wall Street Journal asked the same economists as in the previous survey which letter this recovery will most resemble.  The results give us reason to hope:

  • 68% believe it will be a V
  • 11.1% believe it will be a W
  • 3.7% believe it will be a U
  • 1.9% believe it will be an L

From this report we can see that while the economy has a long way to go, so far, we are doing much better than most experts predicted.  And one of the reasons we seem to be coming out of this recession so quickly here in California is the real estate market.  It is hot hot hot and continues to surprise everyone.

So, if you ever thought about adding real estate to your retirement portfolio, this may be the time to do it.  Give us a call at Sun Pacific Mortgage 707-523-2099 if you don’t quite qualify for a conventional loan or need a fast close.  We have helped thousands of buyers just like you over the past three decades.

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