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Recently Funded – Growing In Popularity

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Ever-Growing Popularity For This Financing

Last year our family of borrowers grew to more than 10,000!  Many of these new clients were referrals from our trusted army of referring Realtors, Lenders and Mortgage Brokers who turned to us for assistance in getting their home buyers and borrowers the financing they needed.

“You have no idea how happy you made this client. Distressed situations are never easy, but you really did make it as quick and easy as possible. (And this was not an easy transaction so THANK YOU!)  More to come!” – Lender, Elise B.

We look forward to helping you or someone you know with our alternative financing, also known as Hard Money. Call Us at 707-523-2099 and we will get back to you quickly!

Recently Funded

Location: Concord, Contra Costa County
Finance Program: Business Purpose Primary Residence Cash-Out
Loan Size: $325,000 with 57% LTV
Days To Finish: 24
Why Needed Us: Had short sale and bankruptcy in past, stopping him from qualifying with other conventional lenders. 

Location:  Diamond Springs, Eldorado County
Finance Program: Investment Property Purchase
Loan Size: $1,050,000 with 40% LTV
Days To Finish: 21
Why Needed Us: Condition of property was making it difficult for other financing. 

Location:  Rancho Santa Margareta, Orange County
Finance Program: Primary Residence Temporary Financing
Loan Size: $460,000 with 63% LTV
Days To Finish: 14
Why Needed Us: Self employed with difficult to prove income. 

Location:  Napa, Napa County
Finance Program: Primary Residence Refinance with Cash-Out
Loan Size: $350,000 with 58% LTV
Days To Finish: 19
Why Needed Us: Needed fast cash for business purpose use. 

Location:  Santa Rosa, Sonoma County
Finance Program: Investment Property Refinance
Loan Size: $508,000 with 64% LTV
Days To Finish: 26
Why Needed Us: Poor credit

Loan of the Week – Fast For Over 30 Years

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Fast Alternative Financing For Over 3 Decades!
Loan of the Week

A past borrower called us about obtaining a loan against her property in Tiburon.  She was having difficulty getting approval from another lending institution even though there was a healthy amount of equity available.  

Although she was retired, she had regular monthly income and excellent credit.  She needed $320,000 for debt consolidation and desired upgrades to her property. 

She was a perfect fit for our unique Alt-A Hard Money Program!  We were able to get her loan approved in 3 days and with a lower than usual rate.   In two weeks, she had her money in hand!

If you or someone you know needs fast financing, or is having difficulty getting real estate financing elsewhere, give us at call at 707-523-2099.  We’ll quickly let you know what we can do for you. 

Alternative Financing – Moving Beyond!

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In business for 3 decades and moving beyond! 

We are family owned & operated, offering alternative financing for real estate.  And with more than 100 years of combined experience, why not give us the opportunity to provide you with our excellent Hard Money services: 

  • Fast Funding Ability – many done in less than 5 days!
  • Unique Alt-A Hard Money – rates as low as 6%*!
  • We finance anywhere in California – single family, multi-family, condos and business properties.  Primary residences and investment real estate alike!

Call Today 707-523-2099 with any questions or scenarios. We will swiftly let you know how we can help! 

*APR for this rate based on a $200,000 first mortgage is 6.31%. 

Honored To Be A Family Business for 32 Years

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And it is clear many Borrowers, referring Realtors, and Brokers are happy we are here too. See below for what they have to say! 

Now into our third decade as licensed Realtors, Lenders and Hard Money Brokers, we have become expert in the alternative financing known as Hard Money or Private Money loans – and we have never run out of money to lend! 

Repeat customers, referred customers, realtors, lenders and brokers, we are privileged to have clients who have been placing their trust in us for the past 30 years and more.  

It’s a trust we could never buy. It is a trust you can count on. 

If you need fast financing or the other lending institutions have turned you down for a real estate loan, give us a call… and let’s get you that money!

Over 3 Decades of Referring Realtors & Mortgage Brokers:

“I appreciate your underwriting efficiency, communication and ability to close within 5 days.  We will surely work together again in the near future.” D.M. – Broker

“What I liked most about working with you was your SPEED. My borrowers/clients were happily satisfied. You are our go-to for Owner Occupied hard money, so I definitely refer you to anyone!” – Bank Manager, E.G. 

“Thank you as well Broker! You have no idea how happy you made this client. Distressed situations are ever easy, but you really did make it as quick and easy as possible. (And this was not an easy transaction so THANK YOU!)  More to come!” – Lender, E.B.

“I have a couple of loans with Sun Pacific and they are doing well. I would recommend them to do business with. I have been a broker for 44 years here in Sonoma County.”
S.G. Broker

Over 3 Decades of Happy Borrowers:

“Hard Money was the only financing that could help! Click to watch video (link it to this testimonial video: https://youtu.be/ltO_ZF0WJX4 .  

 “[Sun Pacific] team pulled through last minute for us to get us the loan we needed to save our house! From start to finish they made everything smooth and instructions were always clear and answered quickly. We are so grateful to have found them to help us during an otherwise stressful time. Highly recommend!!”  – Cassandra L.

“I was impressed by the tie of speed and service. You jumped on it and didn’t drag your feet like I’ve seen with other companies. The main reason for this loan was to pay off some accumulated unsecured debt. I wanted to get a fresh start…” – Borrower, R.R.

“I very much appreciated the speed of the whole loan process. I wanted a Hard Money loan to combine my existing 1st and 2nd and pay off a bathroom remodel. You are extremely competent – everyone I dealt with through your company up to and including the mobile notary. I really cannot think of anything that you could improve upon!” – Borrower, J.L.

Recently Funded – New Resolution

Recently Funded – New Resolution

It’s not just a brand-new year, it’s a brand-new decade.  So how about making this year’s resolutions about your real estate financing be based on proven successes and real testimonials of so many happy borrowers?  

If you, a client or friend need fast financing or were turned down elsewhere, we can help with our Hard Money alternative financing programs. 

Call today 707-523-2099 with your scenario.  We’ll let you know how we can help you accomplish your New Year’s real estate finance resolutions!

Recently Funded Loans

Location:  Tiburon, Marin County
Finance Program: Temporary Refinance for additional business-purpose cash.
Loan Size: $320,000 with 19% LTV
Days To Finish: 20
Why Came To Us: Had poor credit so working to improve this by doing debt consolidation. 

Location:  Los Angeles, LA County
Finance Program: Short term refinance of primary residence
Loan Size: $270,000 with 62% LTV
Days To Finish: 2
Why Came To Us: Self-employed with difficult to prove income. 

Location:  Sacramento, Sacramento County
Finance Program: Primary residence cash-out refinance
Loan Size: $310,000 with 56% LTV
Days To Finish: 12
Why Came To Us: Credit scores were too low for a loan elsewhere. 

Location:  Palm Springs, Riverside County
Finance Program: Non-Owner/Investment Property Cash-Out 
Loan Size: $409,000 with 64% LTV
Days To Finish: 3
Why Came To Us: Needed fast financing to close on an investment deal. 

Looking to Improve Your Home’s Value?

Looking To Improve Your Home’s Value

Are your toying with the idea of selling or staying in your home?  Whatever you decide, increasing the value of your home is a win-win.  Some improvements you can make will add to the beauty of your home, while others will make it more efficient or more comfortable.  Whether you want to build equity in your home or sell it for top dollar, there are plenty of home improvement projects that are worth considering.

  • CLEAN AND DECLUTTER:  Deep cleaning and decluttering can add as much as $4000 to your resale value according to a 2019 survey from HomeLight.  Even if you are not moving, this exercise will help decrease stress in your life by providing more organization and simplifying your life.
  • MAKE YOUR HOME MORE EFFICIENT:  An inexpensive way to improve efficiency and save money is to install a smart thermostat.  If you are tech-savvy, you can even control your home’s temperature from your phone while you are away.
  • FRESH PAINT AND FLOORING:  An inexpensive way to update and freshen up your interior and exterior is with a coat of paint.  Everyone loves newer carpeting and fresh paint. Most home buyers are looking for a turnkey home so they can just unpack their boxes and settle in without the hassle of renovating.  And if you are staying in your home, these simple upgrades will make you love your home even more!
  • UPGRADE DOORS:  Replacing your front door will do wonders to the overall curb appeal of your home.  Replacing interior doors or just painting and replacing the hinges and doorknobs can add freshness to your home.  Since the front of your home is the first thing a prospective buyer will notice, a new garage door is a great idea.  Garage doors take up the most amount of space on the front of your home, so installing an interesting take of the usual garage door could bring in more buyers and please your neighbors, too.
  • ADDING USUABLE SQUARE FOOTAGE:  This makes a lot of financial sense since the value of your home is based on livable square feet.  Adding a bathroom, a great room or an additional bedroom can greatly increase both the function and value.   A “Granny Unit” is another valuable addition that can become a possible income source as well as add value.

Your next question may be “How will I finance these home improvements?” 

One of the financing options available to homeowners who want a fast cash, have less than stellar credit or difficulty proving income, is a Hard Money loan – also known as Private Money and Alternative Financing.

Sun Pacific Mortgage has been coming to the aid of this demographic for over 3 decades.  We have helped thousands of clients who would otherwise have been left without the means to make improvements or to invest in real estate.  If you are interested in pursuing a loan from us, please give us a call at 707-523-2099 or check us out on our website at www.Sunpacificmortgage.com

See entire article:  https://www.bankrate.com/loans/home-improvement/cheap-fixes-to-boost-the-value-of-your-home/?utm_source=Pushly

Loan of the Week – Start 2020 Off Right!

Happy New Year Right

Start the Year RIGHT By Getting Loan Approval!

Wouldn’t it be great to start the year off right with “LOAN APPROVED”?  We can make that happen!

For over 3 decades now we continue to offer our trusty alternative finance programs for both real estate purchase and refinances.  Let us help you and/or your client today, by providing FAST loan approval with one of our Hard Money programs. 

 

Holiday Loan of the Week

A Mortgage Broker called us for help with one of his borrowers, as he was having difficulty with his Underwriters who weren’t approving the needed cash-out. This borrower owned his home free and clear in Contra Costa County, but due to a divorce  the past year, his credit had some issues which weren’t being cleared up quick enough. 

The borrower needed some fast cash to help pay off some urgent bills as well as help close on another real estate business transaction.  He could no longer wait for the current conventional Underwriting, but needed fast help with a $350,000 Hard Money loan at a low 26% loan to value. 

This is where we stepped in and within just a few days, the relieved homeowner and his Mortgage Broker heard the merry phrase “loan approved!”.  And just about 5 days later, the borrower had cash in hand. 

Call us at 707-523-2099 with any questions or scenarios.  We’ll help you and/or your client start the year off great by getting that awaited “loan approved”!

Recently Funded – Make it an Alt-A Christmas!

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We hope to make your holidays brighter by offering up our uniquely fast, smooth and lower-rate alternative financing program for your real estate needs. 

Let’s make it the best Alt-A Christmas ever! 

 We provide FAST Closing – have your loan done before the holidays!
 In business 3 decades – almost as long as Santa.
 We are family owned and operated – with over 10,000 happy borrowers!
 Lower Hard Money rates – as low as 6%*.

Call today 707-523-2099, we’ll let you know quickly how we can help make your holidays brighter!

Recently Funded Loans

Location:  Santa Rosa, Sonoma County 
Loan Program: Investment Property Refinance
Loan Size: $550,000 with 68% LTV
Why Came To Sun Pacific: Having difficulty getting financing elsewhere due to “owning too many properties” and debt to income ratio. 
Days To Finish: 12

Location:  Bell, Los Angeles County
Loan Size: $409,000 with 64% LTV
Loan Program: Business Purpose Refinance of Investment Property
Why Came To Sun Pacific: Poor credit so wanted to consolidate business debt and personal high-cost credit cards. 
Days To Finish: 14

Location:  Walnut Creek, Contra Costa County
Loan Program: Temporary Refinance of Primary Residence 
Loan Size: $350,000 with 26% LTV
Why Came To Sun Pacific: Credit wasn’t good enough due to recent divorce but needed fast cash. 
Days To Finish: 13

Location:  San Diego, San Diego County
Loan Size: $320,000 with 70% LTV
Loan Program: Temporary Refinance on Primary Residence
Why Came To Sun Pacific: Self-employed with difficult to prove income. 
Days To Finish: 9

 

*APR for this rate based on a $200,000 first mortgage is 6.31%. 

Loan of the Week – 2nd Generation Strong

2Nd Generation Hard Money Lenders

You and/or your clients will have no doubts or reservations when working with our family owned & operated company to get alternative financing, also known as Hard Money:

  • Trusted by more than 10,000 borrowers after more than 3 decades in business!
  • You won’t need to wonder if we can get you fast financing – we’ve funded many in less than 5 days!
  • Don’t worry about being turned down at the last moment – we finance difficult-to-prove income, property condition, poor FICO issues and even fund jumbo size loans!

Loan of the Week

A Homeowner called us up with an urgent request to pull cash out of her property, located in Sonoma County.  She was self-employed with difficult to prove income and didn’t want to chance using another lending institution due to time constraints on a business deal she was trying to complete.

We quickly confirmed the property value and gathered the needed documentation.  With a 36% loan to value, her requested $360,000 loan was approved within just a few days and once all was said and done, she had cash in hand in just under 2 weeks!

Let us know if you have any questions or scenarios, by calling us at 707-523-2099. We will quickly reply with how we can help.

Financing From Long-Time Lenders

Financing From Long Time Lenders

You no longer need to worry about having unexpected charges added to closing costs or being “turned down elsewhere” at the last moment!  You can trust The Guys in the White Hats to be honest with your loan, from start to finish. 

And for someone who just missed qualifying for conventional financing, take advantage of our new Alt-A Hard Money program with rates as low as 6%*. 

Call today 707-523-2099 or email back with any questions or scenarios.  We will let you know quickly how we can help!

Recently Funded Loans

Location:  Napa, Napa County
Why Came To Us: Had difficult to prove income and was self employed so not having success with other lending institutions. 
Loan Program: Non-Owner-Occupied property, cash-out for business purpose.
Loan Size: $525,000 with 66% LTV
Days To Finish: 2

Location:  Murrieta, Riverside County
Why Came To Us: Had a couple of late payments on mortgages so wasn’t qualifying for financing with others. Needed additional cash for property fix-ups and this issue does not conflict with our finance requirements. 
Loan Program: Investment property refinance with cash out. 
Loan Size: $650,000 with 64% LTV
Days To Finish: 17

Location:  Geyserville, Sonoma County
Why Came To Us: Owned multiple properties with debt-to-income ratio in question with other lenders, so taking too long for financing. 
Loan Program: Non-Owner-Occupied property, cash-out for business purpose. 
Loan Size: $450,000 with 46% LTV
Days To Finish: 20

Location:  Apple Valley, San Bernardino County
Why Came To Us: Had credit issues and wanted to do debt consolidation to improve scores
Loan Program: Primary Residence Refinance
Loan Size: $235,000 with 67% LTV
Days To Finish: 19

 

*APR for this rate based on a $200,000 first mortgage is 6.31%. 

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