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Saddle Up! Fast Financing Now

Saddle Up! Fast Financing NowSaddle Up For Fast Private Money Loans!

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
  • Family Owned & Operated for 34 years

Loan of the Week

Program: Investment Property Refinance
Loan Size: $2,650,000
Location: San Francisco County
Days To Close: 9 Days
Reason Came To Us: Borrower came to us for help after Underwriting withdrew loan approval shortly before they were to sign their refinance.  Borrower was mid construction on their new house and needed fast financing to complete the project.  We quickly got his loan approved and funded in just 9 days!

If you or someone you know needs fast financing or you’re having difficulty proving income or otherwise turned down, we have the answer.  Our Private Money programs make it easy to get that loan done and make you happy! Give us a call at 707-523-2099 with your scenario or visit our website at www.sunpacificmortgage.com to see how we can help.

San Diego Housing Market Trends

San Diego Housing Market TrendsIn January 2022, San Diego home prices were up 19.3% compared to last year, selling for a median price of $811,000. The average days on the market was only 11 days as opposed to 17 days last year. The total number of homes sold this January was 933, down from 1063 last year.

It is obvious that the housing market remains hot in the San Diego area. According to Redfin many homes are still getting multiple offers, some with waived contingencies.

The average home is selling for about 3% above listing price and go pending in around 10 days. The “hotter” home can sell for about 8% above listing and go pending in around 6 days. The sale-to-list price for all home types was 103% in January.

The San Diego market reflects much of the rest of the California’s larger cities and their environs. Buyers are finding it difficult to lock in a deal and sellers are happy to have several offers from which to choose.

If you have been discouraged by failing once or more to secure a home with your offer, consider a private mortgage loan from Sun Pacific Mortgage. Your offer will stand out in the crowd as a “cash offer” with a very quick closing, both strong incentives in this market. We have been able to execute closings in as little as a week because of our inhouse operation.

Give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com to discover what we can do for you to strength your offers and get you into the home you have chosen.

Big, Fast, and Direct – Recently Done!

big and fast private money loans

BIG And FAST With Our Private Money Loans!

End the wild ride and get real estate financing with one of our Direct Private Money Programs.

Purchase or Refinance mortgage taking too long?  Or being turned down at the last minute?  Let us help you or someone you know fulfill the need for BIG Speed Lending, just like we did below:

Recently Helped Borrowers

recently fundedWe look forward to helping you or someone you know with our BIG and Fast Private Money programs.  Call us at 707-523-2099 or view our website at www.sunpacificmortgage.com and we will get back to you with how we can help!


Wine Country Real Estate Trends for January 2022

Wine Country Real Estate Trends for January 2022

Looking at the trends for the beginning of the year it is clear that inventory is declining while prices keep rising-an expected outcome based on the principles of supply-and-demand.  The following is a snapshot of Sonoma County and 3 specific cities in the North Bay that illustrate this development:

Sonoma County:

  • 260 homes in inventory at end of January (51% below 1/2021)
  • 310 new sales (27% below 1/2021)
  • Days on market: 30 (Rohnert Park) to 103 (Cloverdale)
  • Median price for closed escrows: $750,000 (14.5% up from 1/2021)
  • Homes sold for 98% of original price

Santa Rosa:

  • 85 homes left at end of January 2022 (66% down from 1/2021)
  • 148 new listings (22% down from 1/2021)
  • 135 closings
  • Median price for closed escrows: $705,000 (14% above 1/2021)
  • Average days on market: 54


  • 29 homes in inventory at end of January (6% below 1/2021)
  • 29 new sales (33% below 1/2021)
  • Median price for closed escrows:  $827,000 (11% down from 1/2021)
  • Average days on market: 38

Rohnert Park:

  • 8 homes in inventory at end of January (50% down from 1/2021)
  • 21 new sales (55% down from 1/2021)

Note: This was the 20th month in a row that sales were in excess of inventory at the beginning of the month making this the tightest market in the North Bay.

  • Median price for closed escrows: $650,000 (17% above 1/2021)
  • Average days on market: 30

Real Estate is always fluctuating but no matter what, there are always Sellers and Buyers around – especially in California!  So, as a Real Estate Agent, a Mortgage Broker or even Lender, knowing that Private Money financing can be beneficial to those Buyers & Borrowers who need a FAST loan or are turned down elsewhere, we could help!  Check us out online at www.Sunpacificmortgage.com and reach out with questions or scenarios through there or by phone at 707-523-2099.

Fastest Funder In The West – Loan of the Week!

Cowboy Ken to the Rescue

The quicker the close, the lower the stress. Get Fast Private Money loans for you or someone you know and leave the competition in the dust!

  • Fast Approvals
  • Trusted by over 10,000 Borrowers
  • Credit Problems OK
  • Financing up to 3+ million

Loan of the Week

A Buyer was referred to us by his Agent in Sonoma, after being turned last minute by his conventional lender due to a credit issue popping up.  He was in Escrow already, with closing date just 9 days away.

We jumped right onto it and with our FAST loan process, had the needed 787k to Escrow in just 7 days!

At Sun Pacific Mortgage, Broker Cowboy Ken and his team have you covered with our Direct Private Money Programs. Saddle up and visit our website at www.sunpacificmortgage.com or give us a call today at 707-523-2099 with any questions or specific scenarios. We will quickly let you know what help we can provide to you!

Pre-Qualification or Pre-Approval?

If you’re ready to make your dream of owning a home a reality, or if you are ready to upsize or downsize, you know the importance of getting pre-approved for your mortgage loan.  But what is the difference between pre-qualifying and pre-approval?

Before you embark on your house hunting journey, determine what you are comfortable spending, both in a down payment and monthly mortgage payment plus other fees.  What you qualify for and what you are comfortable with are not necessarily the same.

Prequalification is an early step in your home-buying journey.  This just gives you an estimate of what you might be able to borrow based on information you provide about your finances and a credit check.

Preapproval is as close as you can get to confirming your creditworthiness without having a purchase contract in place.  If you are preapproved you will receive a preapproval letter, which is an offer (but not a commitment) to lend you a specific amount.  This approval is usually good for 60-90 days, and a smart step to take when you are ready to put in an offer on a home.  It shows the sellers that you are a serious homebuyer and that you will be able to complete your purchase of the home.

In today’s market, where houses are flying off the shelf and sellers are being bombarded with multiple offers, being preapproved is a huge plus in your offer process.  It also will save you time by only looking at homes that you can afford.

If you get declined for your preapproval, don’t despair!  Ask the Lender to explain why you were declined.  If your credit score was too low, or you have difficult to prove income, bankruptcy, etc. which is somehow not qualifying you for a home loan at this time, then Sun Pacific Mortgage can rescue your homebuying efforts based on your loan-to-value.  We offer private money loans that are equity based and not based on a credit score.

Give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com to see if we can come to your rescue when things look bleak with your mortgage search.

How About Some Fine-Tuned Speed Financing?

Fine-Tuned Fast Lending

Speed means that every part of the mortgage process takes precision. One can’t offer FAST Mortgages without it. Lucky for you and those you know, you’ve still got a direct line to our fast Private Money loans when you need us!

Recently Helped Borrowers & Buyers

At Sun Pacific Mortgage, our team is ready to provide you or someone you know, with fine-tuned service and speed. Call today at 707-523-2099 or visit our website at www.sunpacificmortgage.com to see how we can help.

Where Is the Real Estate Market Headed in 2022?

Bidding wars. All-cash offers. Limited supply. Sound familiar? That’s because these are the words of a song being sung every day in California.

After two years of unprecedented growth will there be a cool-down and possibly a fall in sales and prices in 2022? Will we ever return to “normal”?

Recently, several housing experts reported in USA TODAY that home sales are likely to be slightly lower in 2022 while home prices will continue to rise due to the ongoing housing shortage.

Another real estate brokerage firm had this to say:

“I don’t think we will see a correction, maybe a slowdown.”

A CEO of a realty company stated:

“I don’t see any sort of crash in the near future. No way.”

The National Association of Realtors (NAR) forecast calls for median price gains of between 5% and 7% this year. This increase contrasts to the 2021 increase we saw of a 20% average rise.

If you want to take advantage of the housing boom, but don’t qualify for a conventional mortgage, give Sun Pacific Mortgage a call at 707-523-2099 to discuss a private money loan or visit our website at www.sunpacificmortgage.com. We are a family-owned and operated business serving only California for 34 years. We offer fast mortgages for owner-occupied and non-owner-occupied residences, as well as business purpose loans. Our mortgages are usually completed in 7-30 days making a Buyer’s offer look exceptionally good to a Seller.

How Fast Do You Need It? We Have Speed!

Speed Lending

For the sake of SPEED, let’s get you some FAST facts about how we can help with your refinance or a purchase:

  • FAST Approvals
  • Difficult to prove income OK
  • Credit Problems OK
  • Financing up to 3+ million

Loan Of The Week

A Real Estate Agent and her Buyer came to us as they were in a do or die scenario, about to lose a $25,000 deposit and a great home in Sebastopol.  This Buyer was past close of Escrow date when her conventional Lender backed out at the last minute.  This Buyer needed a $678,000 loan – fast!  Within 48 hours we gathered all needed items and had approval 2 days later, then just 3 days later we successfully had a relieved Buyer, a happy Seller and a super appreciative Real Estate Agent.  HOME LOAN DONE!

At Sun Pacific Mortgage we provide FAST private financing to those Borrowers who want fast loans and those turned down elsewhere. Visit our website at www.sunpacificmortgage.com or call today at 707-523-2099 to see how we can assist you and your Buyer with our SPEED services.

The Six C’s of Private Money Lending

Private money, also known as “hard money,” has become a popular alternative to conventional loans, especially during these stressful sellers’ market days which we have been experiencing for the past several years.

Why is that? Because FAST is the name of the game in this dog-eat-dog market and private money can be available in as little as a week through some hard money lenders, such as Sun Pacific Mortgage. Unlike conventional lenders where the loan process can take months to get approved, Sun Pacific Mortgage has much less red tape and requirements for these private money loan programs.  Our 33+ years in business has allowed us the experience to become truly expert in the loan approval process, solving any bumps that come up along the way. Service all of California Home Buyers, Borrowers, Realtors, Conventional Lenders, Mortgage Brokers and Investors alike; Anyone who need a quick close or who has been turned down for a conventional loan.

Let’s examine six factors that influence a private money lender before entering a contract with a borrower:

  1. Collateral:  Lenders are in the equity business, not the real estate business. They will consider all aspects of the property (physical condition, its marketability, and its profit potential), but the loan-to-value (LTV) is of primary importance.
  2. Conditions:  To minimize risk, Lenders look at other property inventory and at the resale or rental value of the given home/land.
  3. Capacity:  Lenders must consider the ability of the Borrower to carry out the terms of the loan and their existing obligations.
  4. Capital:  Lenders expect the Borrower to have significant “skin-in-the-game” at the closing table.
  5. Character:  Many Lenders look at the character of the potential Borrower. They look for liens and judgments which could affect the property under consideration.
  6. Credit:  With asset-based hard money lending, credit isn’t the most principal factor, but it may affect the interest rate the borrower pays.

Using a reliable, experienced company like Sun Pacific Mortgage to either invest or borrow money through, has been a wise choice for thousands over the past 3 decades. Give us a call at 707-523-2099 to see what we can do for you. You can also find us at www.SunPacificMortgage.com.

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