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Why Not Just Go Quick and Direct Lending?!

Untitled Our Direct Private Money Loans Can Get That Refinance Or Purchase Loan Done When A Traditional Lender Unfortunately Cannot. And, We Can Quickly Fund!

Our Direct Private Money loans can get that refinance or purchase loan done when a traditional Lender unfortunately cannot. And, we can QUICKLY FUND!

Recently Funded

Program: Investment Property Refinance
Loan Size: 810k
Location: San Diego County
Why Came To Us: Self-employed with difficult to prove income.

Program: Investment Property Purchase
Loan Size: 752k
Location: Contra Costa County
Why Came To Us: Turned down at last minute by traditional lender and needed a fast loan to close within 9 days, so wouldn’t lose out on a large down payment.

Program: Primary Residence Business Purpose Refinance
Loan Size: 695k
Location: Los Angeles County
Why Came To Us: Owned property free and clear and needed fast capital to invest in rapidly expanding business.

Call us at 707-523-2099 today or visit our website at www.sunpacificmortgage.com with any questions or scenarios you have. We’ll get back to you quickly with how we can help you or someone you know.

Alternative Financing Options for: Business Purpose & Consumer Purpose Real Estate Loans

Alternative Financing Options For: Business Purpose &Amp; Consumer Purpose Real Estate Loans

Let’s say your credit history is less than stellar, or your score is low. Or maybe you want to purchase a home in poor condition and flip it. Or let’s say that you need to close escrow in a week. Whatever the reason, you are having a tough time getting a traditional loan to buy a house. In these instances, you might consider a private mortgage from Sun Pacific Mortgage, a family-owned and operated business that has provided beneficial Private Money loans to thousands in California since 1988.

Among our many alternative mortgage programs available are:

  • Owner-occupied refinances/cash-out for a business purpose, whether to pay off business debts or to expand your business.
  • Non-owner-occupied refinances/cash out for a business purpose, whether to pay off business debts or get needed capital for business expansion.
  • Non-owner-occupied loan for consumer purposes, such as consolidating personal debts or high-interest credit cards, making needed home improvements, sending a kid to college, etc.
  • Owner-occupied loan for consumer purpose. This loan is an interest only loan for 15 years with the first 3 years interest only – at a fixed rate – and the remaining 12 years fully amortized and again, at a fixed rate. (Property taxes and insurance are mandated by law to be impounded on this type of loan.)

If any of these home loans are what you need to improve your credit score, get business capital or expand your investment portfolio, give us a call at 707-523-2099 or find us at www.sunpacmortgage.com.

Saddle Up and Get Ready for Private Money!

Quick Financing by the Fastest Funders in the West!  Saddle up and take advantage of the SPEED that Sun Pacific has to offer:

  • Fastest Close to date: 48 hours!
  • Turned Down Elsewhere – We Can Help!
  • Trusted by over 10,000 Borrowers
  • We work with Lenders, Brokers, Agents & Borrowers

Quick Financing Direct Programs If Your Borrower Needs A Fast Loan For A Purchase Or Refinance, Or Is Turned Down By Your Underwriting, Private Money Could Be Of Help!  Give Us A Call At 707-523-2099 Or Visit Our Website Www.sunpacificmortgage.com With Your Borrower’s Scenario And We’ll Get Back To You Quick.

Loan of the Week

Program: Investment Property Refinance
Loan Size: 950k
Location: Sacramento County
Reason Came To Us: A conventional Mortgage Broker brought us a Borrower who was looking for fast financing to complete a remodel on an investment property, that tenants were waiting to move back into.  Because of his difficult-to-prove income, and the property condition, this borrower was having difficulty getting financing from elsewhere. Of course, these issues were not a problem for us as the Borrower had good credit and considerable equity in his property.  We quickly gathered the necessary items and had his loan approved and funded within 10 days!

If your Borrower needs a fast loan for a purchase or refinance, or is turned down by your Underwriting, Private Money could be of help!  Give us a call at 707-523-2099 or visit our website www.sunpacificmortgage.com with your Borrower’s scenario and we’ll get back to you quick.

Bay Area Peninsula Real Estate Market Report – 2nd Quarter 2023

What Happened With San Francisco And The Peninsula Real EstateBay Area Peninsula Real Estate Market –

2nd Quarter 2023

Once again, the real estate market on the Peninsula saw ups and downs. The good news (or bad news depending on your perspective) is that this month saw more ups than downs for the average sales price paid by home buyers versus the asking price.

Menlo Park:

Down 1% from asking 25 days on the market

San Carlos:

Up 4% from asking 17 days on the market

Foster City:

Up 4% from asking 36 days on the market

San Mateo:

Up 1% from asking 36 days on the market


Up 2% from asking 24 days on the market


Up 1% from asking 32 days on the market

If you are looking to buy a house in California and would like to create a stronger purchase offer – to beat out multiple offers – consider the fast Private Money options.   These can offer 10 day closes or less!  And Private Money, also known as Hard Money or Alternative financing, is more forgiving on its qualifications so any possible issues with property condition won’t be an issue with this type of financing.  Could be that step up you’ve been looking for to buy in this market! Visit our website at www.sunpacificmortgage.com or call today (707) 523-2099.

Full Buck. No Bull. That’s the Private Money Way!

Wild Ride Getting Financing Turned Down At The Last Minute By Your Local Lender Or Is Your Loan Taking Too Long To Get Financed? End The Wild Ride For You Or Someone You Know With One Of Our Direct Private Money Loan Programs - Just Like We Did For The Borrowers Below:Turned down at the last minute by your local Lender or is your loan taking too long to get financed? End the wild ride for you or someone you know with one of our Direct Private Money loan Programs – just like we did for the Borrowers below:

Recently Funded

Program: Bridge loan
Loan Size: 690k
Location:  Marin County
Why Came To Us: Borrower didn’t want to sell his home prior to buying a new one for his family. This helped remove the contingency of the need to sell his home prior to buying another.

Program: Investment Property Refinance
Loan Size: 725k
Location:  Sacramento County
Why Came To Us: Property had an NOD on it which needed to be paid off and borrower wanted to do debt consolidation so could improve credit.

Program: Investment Purchase
Loan Size: 527k
Location:  San Mateo County
Why Came To Us: Borrower was an LLC and as such, wasn’t getting approved for financing elsewhere but we were able to help.


We look forward to helping you or someone you know with our alternative financing, also known as Private Money. Call Sun Pacific Mortgage at 707-523-2099 or visit our website at www.sunpacificmortgage.com.  Our loans are fast, flexible and get the job done. Full Buck, No Bull –  with a team of 800+ Private Investors, we never run out of money!

San Francisco Real Estate Market – Start of 2nd Quarter 2023

San Francisco Real Estate

The real estate market in San Francisco saw a slight downward motion at the beginning of Q2 of 2023, for single-family residences. However, the condo market saw a slight uptick.


Average Sales for Single Family Residences:
April: $2,148,830
March: $2,295,548
Down: $146,718
Average Days on the Market was 30 days.


Average Sales for Condos:
April: $1,378,035
March: $1,244,057
Up: $133,978
Average Days on the Market was 54 days.


If you are looking for a profitable niche for your retirement, look no further than investing in California real estate. You don’t need to be a landlord to get in on this valuable asset, you can invest in Deeds of Trusts, for higher returns.  Sun Pacific Mortgage & Real Estate is one such company, licensed Brokerage since 1988, that offers regularly available Deeds of Trusts throughout California and Hawaii.  Call 707-523-2099 or check out the investor webpage for further information and a contact form: https://www.sunpacificmortgage.com/invest-in-trust-deeds/

Private Money – The Bridge To Your Future Home!

Bridge Promo May 4 Here At Sun Pacific Mortgage, We Offer Our Bridge Loan Program To Help Those Individuals In Need Of Fast Financing, To Purchase Another Home Before Selling Their Current House Or Having Difficulty Elsewhere Getting A Mortgage.
After 35 years of experience, we are specialists at helping bridge the distance for individuals who want to buy a new home before selling their current house, or in need of FAST financing for a stronger cash-like offer. 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: 1.2 million
Location: San Luis Obispo County
Reason Came To Us: A Borrower was lucky enough to connect up to us, to rescue their purchase that they were already in Escrow on.  Their current purchase financing fell through at the last minute with their conventional lender, due to higher debt-to-income ratios. With the help of our Private Money programs, we were able to use the equity in his current house to help get the final money needed to buy the new home.  We were able to rapidly get him approved and loan fully completed in just 13 days!

Here at Sun Pacific Mortgage, we offer our Bridge loan program to help those individuals in need of FAST financing, to purchase another home before selling their current house or having difficulty elsewhere getting a mortgage.

Give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com. We will quickly let you know what we can do to help you or someone you know bridge the distance to their future home!

Bridge Program – Private Money Loans!

I Wil 2 Copy With Our Many Loan Programs, We Can Help Get That Loan Approved And Funded For You Or Someone You Know!  One Of Our Most Popular Loan Programs Is The Bridge Loan.

With our many loan programs, we can help get that loan approved and funded for you or someone you know!  One of our most popular loan programs is the Bridge Loan.

Here are the benefits of getting this type of financing with us:

  • Bridging the gap between the sale of one’s home to purchase another home, using the equity in the property.
  • Getting an offer accepted because you have an offer with the next best thing to all-cash.
  • We look at equity, not credit worthiness.
  • Fast financing – we can close in 7 days or less!

Recently Funded Bridge Loan

Recently, a local Mortgage Broker reached out to us for one of his past Borrowers, whose debt-to-income ratios were too high if the borrower had 2 mortgages.   The borrower wanted to pull cash out of his current home’s equity as a down payment on another house he wanted to purchase.  He needed a loan of $540,000, which we had no problem getting approved.  Within a couple of weeks, the loan was funded and borrower was a new homeowner!

Call us at 707-523-2099 or visit our website at www.sunpacificmortgage.com with any questions or scenarios and we’ll reply quickly with what we can do to help.


How to “bridge” the gap the between buying and selling your home!

Istockphoto 483821958 612X612 1 What Options Would A Buyer Have If They Find The Home They Want To Buy, But Haven’t Sold Their Present Home? If The Buyer Needs The Funds From The Sale Of Their Present Home As A Down Payment On The New Purchase, They Can Look To A Bridge Or Temporary Loan To Solve Their Problem. A Bridge Loan Is A Loan That Helps A Current Homeowner Buy Another New Home, Prior To The Sale Of Their Current House.  Once The Sale Is Finalized, The Bridge Loan Is Generally Paid Off From The Proceeds Of The Sale.

What options would a buyer have if they find the home they want to buy, but haven’t sold their present home? If the buyer needs the funds from the sale of their present home as a down payment on the new purchase, they can look to a bridge or temporary loan to solve their problem. A bridge loan is a loan that helps a current homeowner buy another new home, prior to the sale of their current house.  Once the sale is finalized, the bridge loan is generally paid off from the proceeds of the sale.

At Sun Pacific Mortgage we cater to this type of loan with a program that allows the borrower to obtain a short-term private money loan, with interest only payments. We have investors who will lend amounts up to $1.5 million. The interest rates are generally based on the loan to value – and can be a Bridge refinance loan for cash out of current home, a Bridge purchase loan to help buy the new home, or a Bridge loan that includes both the current home equity & the new home equity.

There is no prepayment penalty associated with this loan, but we do look for a loan to value of least 65% for refinances and up to 75% for purchases. Also, debt to income ratios are not considered with this loan program, nor is FICO scores.

If this is a solution to one of your problems, or the situation one of your clients is facing, visit our website at www.sunpacificmortgage.com or please call us at 707-523-2099 to find a fast, alternative and flexible solution.

Bring the Heat with Private Money 🔥

Our Hot Private Money Programs 3 Copy Conventional Mortgage Rates Have Been On The Rise And Inventory Is Still Low Across California, But Homebuyer Purchase Offers Are Increasing Again – Which Is Bringing Back The Competitive Market.  With These Factors In Play, We Have Seen One Of Our Private Money Programs Heat Up In Popularity! What’s Hot:

Bringing the Heat with Private Money!

Conventional mortgage rates have been on the rise and inventory is still low across California, BUT Homebuyer purchase offers are increasing again – which is bringing back the competitive market.  With these factors in play, we have seen one of our Private Money programs heat up in popularity! What’s HOT:

Bridge Program: close the gap with a current home not yet sold and a new primary residence that you or someone you know wants to buy!  And, this program can give them the competitive advantage of a fast close and offering the next best thing to all-cash!

Give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com to see how we can help you or someone you know bridge the gap to your new home.

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