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Recently Funded Deals – Multiple Programs


The variety of our recently funded transactions hopefully give you a clearer understanding of how we can help you and/or your clients with our alternative financing throughout Sonoma County, North Bay areas and all the rest of California!

“Thanks to your entire team for all of your hard work, patience and for going the extra mile to ensure my dad’s loan went through as soon as it possibly could.  I am overall impressed with how efficient you are in particular and how much the details are important to you…a great experience, mainly due to how easy it is to work with you, so many thanks for that!”

Regards, Sarah

Call Us Today at 707-523-2099 with your real estate finance scenarios and see how we can help!


Forest  & Ken – The Guys in the White Hats

P.S. We love referrals!



NOTE:  Get our financing despite credit circumstances, self employed difficult-to- prove income, need of fast financing, property a fixer, etc! We finance owner occupied, non-owner, multi-units, some commercial and land throughout California. 


Click this link for our rate sheet, showing the programs we offer.

CALL TODAY, The Guys In The White Hats at

(707) 523-2099

See our website at: www.sunpacmortgage.com


       Alternative Financing Broker Serving California since 1988!

800 Mendocino Ave. Ste 2

Santa Rosa, CA 95401

(707) 523-2099

Forest CA Bur of Real Estate license #01009559 and NMLS #299456
Ken CA Bur of Real Estate license #01858042 and NMLS #1221130



What is a Bridge Loan?

Real estate agents, investors, home buyers and home sellers alike should know about this short term real estate loan, or should I say smart home buying strategy. A Bridge or temporary loan is a type of Creative Financing that some Lenders offer.


It is a short term loan, 12 to 18 months only.  It gets paid off with longer-term financing down the line or from the sale of a property.  It essentially Bridges a Borrower from one point to the next.


The Benefits:

  1. A Bridge loan is deemed cash by Listing Agents.
  2. Your Buyer does not have to have a contingency of their home selling to use a bridge loan.
  3. A home owner can buy another house now and sell their home later.
  4. There is no fear of the buyer finding their dream home because they still have to sell their current home at the same time.  This is not required with a bridge loan.
  5. Your buyer can buy a fixer, fix it up and have their dream home that way.

The Requirements:

  • This will be a 12 month loan.
  • A minimum of 3 months payments are due.
  • You have to have at least 20-25% for the down payment on a purchase.
  • You have to have decent equity in your existing property on a refinance or pulling cash out.

The Uses:

While there is really no limit on when a bridge loan can be used, as long as the borrower is comfortable with the terms, most bridge loans are typically sought when another sale is pending and the funds are needed to consummate the final deal, permit approvals hold up a project or, most typically, in a “fire sale” situation when a seller must close a deal within a specified period of time.


Some instances of when you might use a Bridge Loan are:

  • Pulling some cash out from the equity in your current home and using that money as a down payment to purchase another home.  This allows you more time to sell the home you are currently in.
  • Buying a house to fix and resell, also known as Flipping.
  • Using the Bridge loan to acquire a home that is in disrepair, fixing it up to live in it and then converting the loan to a 30 year fixed rate loan within the 12 to 18 month period.


The Costs:

Rates and costs for Bridge Loans can vary by Lender, of course.  Generally speaking however, rates range between 9-12%, interest only.


How We Can Help You:

We are licensed for the entire state of California and have been in business for over 27 years now.  Call our office at 707-523-2099 and within just a few minutes, we can let you know what we can do for you!


You can also find out all the we offer on our website at www.sunpacmortgage.com and you can email us through our website or at the email below.


I hope this has helped you understand more about what a Bridge loan is.

Keep Your Real Estate Market Hot!

The real estate market is really heating up –

not only for Agents but also for potential home sellers and home buyers.


This means multiple offers on properties for sale which is good for a home seller but what about you home buyers?  Or, what if you are a “Seller–Buyer” and need to get your home sold before you can buy?  Contingent purchase offers can be less appealing than an all-cash offer or no-contingency offers.  How about letting our short term Bridge Loan help you out!


We recently did a loan for a lady who needed fast cash so she could close on the property she had her eye on for some time.  We were able to get a Bridge Loan done on an existing property she owned, in 14 days from start to finish.  With this money she was able to buy the house that she otherwise would not have been able to get.

Our Bridge Loan program is a hard money loan thus more forgiving than conventional lenders, it can fund fast, and hard money is virtually cash so it can assist in strengthening purchase offers too. 

We have helped many, many others so let us help you too! Call today (707) 523-2099!



Forest, Ken, and Lynn – The Guys in the White Hats



Click this link for our rate sheet,
showing the programs we offer




Read some of our customer testimonials here




       Alternative Finance Lenders Serving California since 1988!

800 Mendocino Ave. Ste 2
Santa Rosa, CA 95401
(707) 523-2099



California Bureau of Real Estate Broker Corporate License # 01464899.

Nationwide Mortgage Licensing (Registry) System Office NMLS # 360993

5 Reasons to Use A Licensed Professional

Experienced and licensed Brokers, Realtors & Lenders are important for all your lending and/or real estate transactions.


I recently read an article about the importance of using an experienced and licensed Lender as well as Real Estate Agent and how not using one of each actually added time, money and ended in some loss of the Buyers.


Here is the original link to the below fun and informative infographic with really good reasons why one not only wants to use a licensed Real Estate Professional but also applies to licensed and experienced Brokers and Lenders:





It truly does benefit the Buyer and Borrower alike to find a local expert who can help them through the real estate or lending transaction.  So don’t make the mistake and try to do it yourself, unless of course you are a licensed and experienced Broker, Real Estate Agent or Lender.


Best, Forest – The Guy in the White Hat

Sun Pacific Mortgage & Real Estate


Forest Tardibuono is Co-Owner and CA BRE Broker known as “The Guy in the White Hat” of family owned & operated Sun Pacific Mortgage & Real Estate – Your California Alternative Finance Lender since 1988.

P.S. We love referrals!  www.sunpacmortgage.comBRE license #01464899/NMLS #360993


5 Reasons to Hire a Real Estate Professional

I saw this article from The KCM Blog and rang very true: 5 Reasons to Hire a Real Estate Professional

“The real estate market is a place where most people will make their largest investment ever. It is a place where fortunes can be, and often are, made. It is not a place, however, for you to ‘wing it’.

“While the myriad TV shows about real estate make the process look so simple – it’s not really that simple… they make it seem like all you need to do is slap a for sale by owner sign in the yard, have one open house with fresh flowers and fresh baked cookies and bam! SOLD! in one day….

“You need a professional, full time, well educated, ethical and trustworthy REALTOR to represent you whether buying or selling real estate.”

5-Reasons to hire a RE Pro Image

In my 26 years working in Real Estate I can tell you that you’re better off hiring a Real Estate Pro. I know from first-hand experience the amount of paper work and negotiations you need to do to own a home is sometimes overwhelming to a Home Buyer. And beyond paperwork, there is the experience of being a RE Pro that you will want on your side.

I’m sharing this article with you in hopes to assist in your home buying experience. I’ve seen people try to go about buying a house without an Agent and usually it winds up in heart ache.


Lynn Tardibuono is Co-Owner/ Realtor® and Flipper Chick of Sun Pacific Mortgage and Real Estate, family owned and run since 1988 in Northern CA. www.sunpacmortgage.com. BRE license #01464899

Avoid The Biggest Property Seller Mistakes

If you are considering selling a property (as a home owner or even a Investor) here is a good article to review, to help you steer clear of these common mistakes. In my 26 plus years of being in the real estate market I can tell you these are factors are ones to keep in mind when you are thinking of selling – they can get that property sold quicker.

A recent ActiveRain Real Estate Network article “Biggest Home Seller Mistakes” from January 23, 2014 covers 10 fundamental points for the Home Seller, based on a recent survey done. Original Active Rain article here: http://activerain.com/seller-mistakes


Below is just one of these points, which I have seen all too many times and try and work closely with my clients to avoid any such scenario:

1. Overpriced Home

Nothing shocking here. This was far and away the most common mistake sellers make that prevent them from selling their home.

If you overprice your home there is a pretty good chance no one is going to want to buy it. Real estate agents do not set the real estate market. A great real estate agent will suggest a price at which to list your home based on comparable homes that have already sold in the market. Overpricing a home to ‘see if you can get someone to bite’ is not a strategy employed by someone really serious about selling. Overpricing a home will lead to missed opportunities with buyers that are serious about buying in the range at which your home should be listed.

The first week during which a home is listed will generally be the time that the most eyeballs are on the home and the largest potential pool of buyers will be exposed to the listing. Setting a price that reflects the market is essential to selling! This is exacerbated in a downward trending market. Many a seller has lost thousands, even tens of thousands of dollars chasing a market down after setting a listing price that was outside what the market was willing to bear.

Margaret Goss, a Broker with Baird & Warner on the North Side of Chicago gives you a few reasons that an agent will take your overpriced listing and then shares the repercussions of making the decision to price your home too high.

Selling a house is a lot of work but doesn’t have to be a “nightmare”. For example, if you have too few poor photos (messy spaces) on MLS or you are not available for house showings or to little showing times, the house messy or smelly when showing it, etc. none of these will help to sell the home quickly or for the price you want.

Best, Lynn
Owner/Realtor® – Flipper Chick
Lynn Tardibuono is Co-Owner/ Realtor® and Flipper Chick of Sun Pacific Mortgage and Real Estate, family owned and run since 1988 in Northern CA. www.sunpacmortgage.com. BRE license #01464899/NMLS #360993

12 Days of Christmas for Home Sellers

12 Days of Christmas for Home Sellers


Do you want to sell your home but are afraid no one will want it?  As a Real Estate Agent, do you have potential clients who are hesitant to list their house due to the condition of their property?   It’s time to be merry and realize there is no need for worry! I have all-cash Buyers who are ready to close fast, despite condition of the property.


In light of the Holidays, here is my 12 Days of Christmas to cheer up Home Sellers:


On the First Day of Christmas my true love said to me “we have no money to fix the house”. 


On the Second Day of Christmas we thought we could just sell, but we had some major problems – would anyone buy?  On the Third Day of Christmas we decided maybe we could fix it…We only needed a new roof, new windows, new carpet, new kitchen and new bathroom!


On the Fourth Day of Christmas we were in a gloom, we’d never be able to sell…. Just too many problems, too much work needed, no money!


On the Fifth Day of Christmas we had a bright idea!  There are people who want a house like ours because they CAN fix it!  (Uh Oh, the furnace just went).  On the Sixth Day of Christmas we called our realtor and told her our problems.  She said “no problem, you can get a new smaller, nicer, more modern home now that the kids have moved out.”


On the Seventh Day of Christmas she brought us a cash buyer who was ready to close.  Our eyes were all aglow!


On the Eighth Day of Christmas we had to hustle and find a new home!  We dashed around and dashed around all over town! 


On the Ninth Day of Christmas we found our cute little new modern home.  Our eyes how they twinkled with merry cheer and delight.  On the Tenth Day of Christmas we had nothing to do but wait, while our realtor flew like a flash to make this the best Christmas to date.


One the Eleventh Day of Christmas our new home was so near, and our old rundown house was in good hands – with great anticipation we cheered and cheered and cheered!  On the Twelfth Day of Christmas we picked up our keys and thought “MERRY CHRISTMAS TO ALL AND TO ALL A GOOD NIGHT.”


Call me at (707) 523-2099, Lynn Tardibuono – Realtor® and Flipper Chick at Sun Pacific Mortgage & Real Estate.


If you or a client is thinking of selling a home that needs some “TLC” I have been in the Real Estate business here in Sonoma County since 1988 and can help get that property off your hands with my all-cash buyer who’s ready to close fast!


You can get more information at www.sunpacmortgage.com. DRE license #01014873

Hard Money Math – Simple Loan When Said Right


By Broker, Forest Tardibuono

Hard Money Math

The lending choices for Buyers in this market have been simplified.  There are “A” paper lenders for Buyers who have really great credit, verifiable income and verifiable cash to close the transaction.  Next are Hard Money lenders, who require a good down payment and an ability to repay the loan.

There is really nothing in between.  So it really compels real estate brokers and agents as well as Buyers to become familiar with what Hard Money is all about.

Hard Money is very simple mathematically.

Here is an example assuming a purchase price of $200,000.

The “good down payment” mentioned above would be a minimum of 30%.  There are occasions where 25% will work but for this example we will use 30% as a down payment.  On a $200,000 purchase price that would be $60,000.

That would leave you with a loan amount of $140,000.  For a Hard Money loan payment you need to multiply the interest rate offered for your profile as a Buyer, times the loan amount to get how much interest you will pay per year.  Then divide it by 12 months to get the monthly payment.  For this example, here is what it would look like with a *10.50% interest only loan for $140,000.  That’s $140,000 X 10.50% = $14,700.  Divide this by 12.  $14,700 ÷ 12 months = $1,225 per month.

Please note that the 10.50% rate mentioned above applies in my office and can be higher or lower depending on the down payment, loan size, property, property location, occupancy type, etc.

Hard Money is here to stay and is a vital tool for the busy realtor and for Buyers who have tried the “A” paper route and been turned down.  2/3 of the loans I do are for purchases. The Buyers are so grateful too, as they thought they had no chance for home ownership.

I invite you to call your local Hard Money Broker and really get the further scoop on what Hard Money is all about.   It is the only loan program I now offer.  After 25 years of doing this, I know of which I speak.



Forest Tardibuono- the Guy in the White Hat – is a CA DRE Broker with 25 years of experience in real estate and lending. His phone number is (707) 523-2099. See website @ www.sunpacmortgage.com.

Why RE Brokers Are Still Alive and Kicking

Getting back to the office after this morning’s great Santa Rosa Chapter of Realtors Marketing Meeting, I came across the below Pacific Union’s article from a few months ago called “Why Real Estate Brokers Are Alive and Kicking”, and it rings so true:


“So, why haven’t the Zillows and Redfins of the world killed off real estate brokers? Because they can’t replace what makes our professionals essential to the transaction: the market mastery, the in-the-trenches experience, the advice and recommendations that take decades to develop.


“They can’t match the combination of deep knowledge, insight, and instinct that allow our people to identify a client’s dream home –  and ultimately make that client’s dreams a reality.


“The Internet is great for research. But search algorithms, virtual tours, and robots just can’t replace professional expertise.”


Ever since I started our real estate and mortgage company with my wife 25+ years ago we have striven to be true professionals, honest expertise based on continuing education and regular market updates and networking so we were up-to-date on everything possible we could be.


All for the sake of our current and potential hard money and real estate customers!



Best, Forest

Owner/Hard Money Broker – The Guy in the White Hat



Original link to Pacific Union Bay Area Real Estate Blog, “Why Real Estate Brokers Are Alive and Kicking” March 19, 2013:




Forest Tardibuono- the Guy in the White Hat – is a CA DRE Broker with 25 years of experience in real estate and lending. His phone number is (707) 523-2099. See website @ www.sunpacmortgage.com.

Top 10 Reasons To Use Hard Money


By Broker, Forest Tardibuono


Having watched a lot of David Letterman Late Night shows, I realized just as he has his “Top 10 reasons”, there are Top 10 Reasons To Use Hard Money

Need I say more…

#10. You had a recent Bankruptcy.
#9. You are currently in a bankruptcy.
#8. You had a short sale not too long ago..
#7. You had a foreclosure yesterday.
#6. You have been in a bankruptcy for a year, had 2 foreclosures of rental properties in the last 12 months and you are currently short selling your home (true story!!).
#5. Your home loan was just declined by the bank that approved you a month earlier for something on your credit report that was there from the start.
#4. You have written 11 [unaccepted] offers and now have a new best friend in your Realtor.
#3. 3 words: “Fourteen” – “Day” – “Escrow”! (I just did one in 7 days. My record is 5, and I would like the challenge to do it quicker!!)
#2. You are the “perfect loan” for a bank. Perfect credit, perfect income, big down payment. But you want to buy a dumpy property and fix it up. Banks hate dumpy properties.
And the #1 Reason… As a Hard Money Lender for 25 years – I say YES when others say no!


Call me with your scenarios and let’s see how I can help you.



Forest Tardibuono- the Guy in the White Hat – is a CA DRE Broker with 25 years of experience in real estate and lending. His phone number is (707) 523-2099. See website @ www.sunpacmortgage.com.

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