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Fast Alternative Financing For Over 3 Decades!

Broker Loan Originator Money Edit 1 Copy 002 Let Us Help You Or Someone You Know With Our Fast Private Money Real Estate Loan Programs, Just As We Did Below:

Let us help you or someone you know with our FAST Private Money Real Estate Loan Programs, just as we did below:

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Screenshot 2023 01 09 At 7.32.14 Pm Let Us Help You Or Someone You Know With Our Fast Private Money Real Estate Loan Programs, Just As We Did Below:

If you or someone you know needs a little more speed or flexibility in qualifying for a Mortgage loan, give us a call at (707) 523-2099 or visit our website at www.sunpacificmortgage.com. We’ll be happy to get you a proposal as to how we can help with our private money loan programs.

Granny Flats in California are Gaining in Popularity

California Granny Flat

In order to put a dent in California’s housing shortage, state and local lawmakers have eliminated a substantial amount of red tape to allow homeowners to build second residences on a property.

We are seeing reduced building impact fees, reduced parking and setback requirements and the waiver for owner-occupancy on site. All these changes have been made to encourage ADU construction throughout the state to combat the state’s ever growing housing shortage.

Because we have had home construction lagging population growth, California’s Statewide Housing Plan calls for an acceleration of new home construction over the next eight years with a target of 2.5 million homes. This target is broken down as follows:

  • 643,352 very-low-income homes
  • 384,910 low-income homes
  • 420,814 moderate-income homes
  • 1,051,177 above-moderate-income homes

Some roadblocks that have been experienced include restrictions on drilling a new well (Sonoma County) and making your new build all electric (Marin County).  There are still issues with material shortages that make for slow-going in the building process.

Most builders of an ADU would definitely do it again in spite of all the difficulties they experienced in the build.  Roadblocks encountered differ from county to county. For instance, Sonoma County allows you to go right to the county website and choose preapproved plans. Their permitting process is more streamlined because they want more rentals.  In Napa County supervisors launched a $5 million forgivable loan program for residents who build ADUs and rent them below market value. There are other programs in the North Bay Counties that exist to encourage the ADU build out.

If you are considering an ADU for your property and have sufficient equity in your home, you might want to investigate a refinance with extra cash out or even a 2nd mortgage with Sun Pacific Mortgage.  We are a private lender with 35+ years of experience in California real estate lending. We offer fast, flexible and expert alternative financing. Give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com.

May your New Year Sparkle Brighter with Private Money

New Years 2023 Loan Originator Broker Avoid Any Loan Slows Or Mortgage Disapprovals By Working With Us, To Help You Or Someone You Know Get A Fast Private Money Loan That’ll Make Your New Year Sparkle Brighter!

Avoid any loan slows or mortgage disapprovals by working with us, to help you or someone you know get a fast Private Money loan that’ll make your New Year sparkle brighter!

Loan of the Week

Program: Primary Residence Rush Refi
Loan Size: $775,000
Loan to value: 57%
Location: Santa Clara County
Why Came To Us:  Mortgage Broker brought us his Borrower as their debt to income ratio was slightly too high, to do the refinance with his conventional programs. This is where our fast, flexible and expert Private Money financing became the answer!  Within 11 days we helped this Broker and Borrower get the loan funded.


If you or someone you know need a FAST mortgage or are just fall short of qualifying for a conventional loan, we could help.

Give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com to see what we can do help make your New Year sparkle brighter!

California North Bay Counties Yearly Real Estate Values Review

North Bay Counties Yearly Real Estate Values Review

Speaking to reporters in the last quarter, Federal Chairman, Jerome Powell, made it clear that going forward, the U.S. housing market would get “reset” by a “difficult correction.”  We can see that happening in the counties listed below.

This a report based on home and property sales data from the week ending December 28, 2022:

Contra Costa County
Median List Price: $630,000
Average Days on Market: 81
Inventory: 951
Price increase: 4%
Price decrease: 39%

Alameda County
Median List Price: $962,000
Average Days on Market: 85
Inventory: 761
Price increase: 3%
Price decrease: 37%

San Joaquin County
Median List Price: $563,750
Average Days on Market: 86
Inventory: 1016
Price increase: 3%
Price decrease: 47%

Santa Clara County
Median List Price: $1,599,000
Average Days on Market: 90
Inventory: 749
Price increase: 2%
Price decrease: 36%

While some markets may be down double-digits, they are all still well above pre-pandemic home prices. Real estate remains the safest investment by far according to the experts.

If you are looking to invest in real estate this year – by purchasing property or investing in deeds of trust for higher return – Sun Pacific Mortgage has the answer.  Call us at 707-523-2099 or visit our website www.sunpacificmortgage.com to find out more.

Wine Country Real Estate Trends

Sonoma County Real Estate Report For MarchAs you may be aware of, across the country the inventory of homes for sale remain low on a year-over-year basis, as does sales volume. Buyer demand has dropped since rates passed 5.5 percent in mid-September. The news is not too different for the North Bay region, however, it does remain stronger than other real estate markets.

Here are some Housing Market statistics for Marin, Mendocino, Napa, Solano, and Sonoma counties:

  • Inventory of homes & condos at end of November: 2,426 (9% above Nov. 2021; 14% below Oct. 2022)
  • Median sales price: $735,000
  • Price reductions: Napa 33%, Sonoma 40%, Napa 38%
  • Sales more than listing price: Napa 28%, Sonoma 27%

Looking at Sonoma County only:

  • Inventory at the end of November: 617 (9% below Nov. 2021)
  • New sales: 285 (35% lower than Nov. 2021)
  • Average days on the market: 56
  • Median sales price: $803,000 (7% above Nov. 2021)
  • Homes priced above $1 million: 46%

While other “hot” markets are suffering much deeper cuts, the North Bay is slipping only slightly. It is still a good time to invest in California real estate as a Buyer or an Investor. Most experts are predicting at least a 7% increase in appreciation this upcoming year. While it is not the exceptional 15% increase we saw the past couple of years, it is still one of the best wealth sources available to serious Investors looking for a higher return.

With 35 years of experience, Sun Pacific Mortgage continues to offer private money loans and offering Notes for Investors in California. Give us a call at 707-523-2099 if you are interested in becoming a Private Money Lender or find us at www.sunpacmortgage.com.


Loan of the Week – Don’t Be Left Out In The Cold!

Fast Financing Copy We Have A Solution For You, A Friend Or Family Member Who Has Been Left Out In The Cold As They Can’t Get The Home Financing They Need: Fast Private Money! Below Is Just One Of The Many Ways We Can Help Make Your Holiday Merrier:Feeling Left Out In The Cold? Don’t Be!

We have a solution for you, a friend or family member who has been left out in the cold as they can’t get the home financing they need: Fast Private Money! Below is just one of the many ways we can help make your Holiday merrier:

Loan of the Week

Program: Owner-Occupied Rush Purchase
Loan Size: 623k
Loan to value: 49%
Why Came To Us:  Broker from Contra Costa County referred his Buyer to us, after being unable to help directly due to his debt to income ratios being a bit high.  However, because this Buyer had good credit and good down payment himself, it was not difficult to get his loan quickly completed by one our Private Lenders in just about 1 week!

With real estate needs for faster refinancing or a desire to create stronger purchase offers, Private Money can give you the edge they need in this competitive market.  Our Private Money mortgages can get you, a friend or family member into a warm Home for the Holidays!

Email your scenario or Call Us at 707-523-2099 to see how we can help or visit our website at www.sunpacificmortgage.com

What Does Investing in a Trust Deed Mean?

What Does Investing In A Trust Deed Mean?Sun Pacific Mortgage sells Deeds of Trusts to our Team of Private Investors for a given period, generally one to three years. Investing in real estate mortgage notes is easier than you might imagine:

When someone purchases a property, whether it is a personal residence or an investment property, the Buyer is put on Title. They become responsible for maintaining the property, having adequate insurance, and paying the taxes.

A Private Investor, also known as the Mortgage Lender, becomes the beneficiary and now has a vested interest in the home but isn’t responsible for upkeep, taxes, or insurance. They now directly or through a servicing company, collect principal and interest payment each month until the Note is satisfied. If something goes wrong with the property, like the roof needing to be replaced or a plumbing issue, the owner is required to deal with the problem, not the Lender. As an investor, you are not buying the property, you are buying the debt and securing interest in the property. Essentially, you, the investor, become the bank. You collect the remaining debt of the Note and receive the monthly principal and interest payments. You can also take legal action to regain Title in the event of default.

While these Notes are not FDIC insured, your real estate investment is secured by the property equity. Through our quality screening process, Sun Pacific Mortgage offers good Trust Deed opportunities throughout California.

We are always open for new Investors so, if you are interested in pursuing a profitable, hands-off real estate investment, give us a call at 707-523-2099 or find us at www.sunpacmortgage.com.

Make Your Season Merrier – Loan of the Week!

Financing To Make Your Season Merrier!

Make Your Season Merrier - Loan Of The Week!Are you in need of a mortgage for a home purchase?  How about a fast Bridge loan?  Private Money Loans can provide FAST Cash!

Let us make your holiday season merrier by helping you or someone you know – like we did below:

Screenshot 2022 12 13 At 9.51.07 Am Are You In Need Of A Mortgage For A Home Purchase?  How About A Fast Bridge Loan?  Private Money Loans Can Provide Fast Cash!

We can be reached at 707-523-2099 or visit our website at www.sunpacificmortgage.com, for any of your questions or scenarios.  We’ll quickly let you know what we can do to help make the holiday season merrier for you!

Looking for Predictable Income?

Looking For Predictable Income?

What if you could invest your well-earned money in a promising source of predictable income? Sound risky? What investment doesn’t have some risks? Some risks offer bigger rewards, and you can find that with Sun Pacific Mortgage!

For almost 35 years now, we have been offering available Deeds of Trust throughout the state of California, to our family of private investors.  These Trust Deeds or Notes, are available from $150,000 on up to over $2,000,000 for individuals to invest for higher returns, and diversify your retirement portfolio.

You don’t need to restrict your future to the unpredictable returns offered by the stock market. We offer our investors the opportunity to invest in trust deeds with fixed rates of return up to 13%+.

Our rates of return are higher than the bank’s traditional low-yield bonds, and higher than most stock dividends. Simplistically, this is how it works:

  1. Daily we send out new available Deeds of Trust.
  2. You choose the amount you want to invest in a property, which we propose to you via email with the terms laid out.
  3. If your offer is accepted, you transfer the funds to the escrow company handling the transaction.
  4. Once escrow closes, you receive all the real estate documents related to the purchase or refinance.
  5. Unless you choose to service the property directly, a Servicing company of your choice collects the monthly payments and relays them to you, as instructed.
  6. You spend your time doing what you love, hit the golf course, travel, be with family, whatever makes you happy – all while making passive income.


If this sounds like an investment vehicle you could get behind, –give us a call at 707-523-2099 to discuss how you can earn a higher return on your investment. You can also check out our Investor website page here https://www.sunpacificmortgage.com/invest-in-trust-deeds/ and send in a form for further data.

We Fund BIG Real Estate Loans!

We Fund Big LoansHaving been in business for over 34 years, we are experts at getting BIG loans funded! Let us help you or someone you know, like we did below:

Loan of the Week

Program: Primary Residence Refinance

Loan Size: 780k

Loan to value: 50%

Location: Marin County

Why Came To Us:  A Mortgage Broker referred his Borrower to us after being denied last minute by their local Lender because of their less than stellar credit, but the property had a healthy amount of equity in it, therefore, we were able to get the Borrower funded in just 7 days!

One of our specialties here at Sun Pacific Mortgage is fast turnarounds, so if you or someone you know need fast financing or having difficulty elsewhere getting a mortgage, give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com. We can quickly let you know what we can do to help.

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