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Heroes Among Us

Heroes Among Us – Production Is The Basis Of Moralejpeg

We are back at work full time to help get the job done.  We know that getting back to work and producing makes one feel better.  Must admit, this has all been difficult!  We were struck by tragedy, (Ken-top producer and Ari -head of Marketing lost their home to the fire).  Nothing was open for business and then we were evacuated from our home.  We needed some Heroes!
Here are some of our personal heroes who helped us get it together:

● To the many men and women firefighters and police from multiple counties as well as armed forces who have come to Sonoma County to selflessly help fight these wildfires.

● Monday evening there was no place to eat, all the restaurants were closed. We found Outback Steakhouse in Rohnert Park open with just 1 waiter who had decided to come in on his day off and help serve those he knew would be in need.  He was smiling and so were we!

● For a while we could not find a grocery store that was open.  We finally discovered Safeway on 4th Street open.  We were told by the wonderful clerks who decided to work that the Manager’s house burned down and at 2:00 am he brought his wife and kids to the store.  He then called as many clerks in as would come and opened up for the crowd outside in the parking lot.  Many Heroes there!

● Tuesday morning we needed a place to eat for breakfast.  We finally found IHOP open, with only 1 cook, who had decided to come in and help, despite the loss and devastation of the fire.

Again, we are open and working to keep getting loans funded and escrows closed.

To Our Home Town Heroes – Thank You!!!!

Hi-Ho Hard Money

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One of the marks of an expert Realtor or Lender is familiarity with all types of home loan programs.  This includes “not-normal-financing”, also known as Hard Money. These programs might enable you to bring that better offer to a Seller, or to be the best Agent for your client.

We can help with these! Call us today at 707-523-2099.

Best, Ken & Forest  – The Guys in the White Hats


Not-Normal Loans Recently Funded By Us:


San Francisco Real Estate Market Today



If you have been following the real estate news, you are very aware that Sellers have been in control of the San Francisco real estate market for many months.  As we move into Fall, nothing has changed.  In fact presently there are only 1.5 months of inventory.  The measure of a Buyer’s market is 6 months of inventory.

What should this say to the “on-the-fence” Seller?  If you have been seriously thinking of selling your home, you might want to make your move sooner rather than later.  There is a great demand for homes and the chances of getting top dollar for yours is better now than it will be in a Buyer’s market.

Mortgage rates may be low now, but if you are in a position that does not allow you to access these better rates, give us a call here at Sun Pacific Mortgage.  We cater to that portion of the buyer population who needs a fast loan, has less than stellar credit or who has difficulty proving their income.  We offer bridge loans as well, so if you find a home you want, but haven’t sold your current house yet, we can help with that too!

As of early September, there were 614 homes for sale in San Francisco.  One of these could be yours if you act now. Call us at 707-523-2099 and see how we can help.

Super-Fast Loan Done For Lender

Ken as viggoProperty Refinance in Contra Costa, California

One of my Lender friends called with a rush transaction he needed help on:

He couldn’t get his client approved for a $670k first mortgage because of her difficult-to-prove income.  She was in escrow on a new purchase of a multi-family property and needed a loan fast.

In just under 2 weeks, we had this loan approved at 10% interest, with a successful purchase and very happy Lender client. Now that’s super-fast financing!

Hard Money loans are like the Olympians of financing.  They have speed and agility.

We work with many loan Brokers, Lenders and Realtors.  They and their clients can benefit from hard money, which provides a very necessary need in real estate buying these days.

Call us at 707-523-2099 with your scenarios or questions.  Here to help!

Housing Market Update For San Francisco

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The convergence of several factors has brought the real estate market in San Francisco to new heights and new lows.  The second quarter of 2017 saw unprecedented buyer activity, but a drop in inventory.  The results were the lowest supply of homes in two years, but the shortest days on the market – good news for both Sellers and Buyers.

According to a blogger for Pacific Union, we can look for a resurgence of business this Fall after a slow down during the third quarter.  Some potential home buyers, who have been undecided, may be motivated to make a move because of the prediction of higher interest rates in the coming months.

If you find your perfect replacement home before you even list your own, consider a short-term bridge loan to make your offer more attractive.  This loan program may allow you to capture the deal without the stressful back- and-forth of contract negotiations.  

Sun Pacific Mortgage is confident that we can provide you with unparalleled service and assist you in getting into the home of your dreams regardless of your borrowing difficulties.  Please give us a call at 707-523-2099 or email me.

Visit our San Francisco Hard Money website: www.sanfranciscohardmoneylenders.com

Second Quarter Real Estate Report for San Mateo County


In a recent overview of the real estate trends in San Mateo, a Pacific Union Blogger reported that more homes sold during the second quarter of 2017 than in the same quarter of 2016.  The increase in the number of homes sold was accompanied by a notable jump in the selling price for those between $2 million and $3 million.  This factor was largely due to the ongoing inventory shortage.  

Bidding wars caused homes to sell for an average of more than 10% above the original price, and 8 in 10 homes selling for above asking price. The combination of scant inventory and buyer demand pushed home prices higher than has been seen in recent quarters.

Through it all, San Mateo County buyers remain enthusiastic, and the hope is that the usual Fall resurgence in the real estate market will afford more opportunities for these buyers.  If the market’s history proves true, we should see a busy Fall season beginning September.

If you find yourself in a position where a conventional loan is not going to work for you in the coming months, give us a call at 707-523-2099.  We are known for our “not-normal” (Hard money) loans allowing borrowers to participate in the real estate market now, even if there are problem areas in your financial picture.

Sonoma County Real Estate Update


According to a recent article published by Pacific Union, Sonoma County’s 2nd Quarter real estate sales demonstrated a distinct divide between homes over $1 million and those under $1 million.  Homes priced between $1-3 million saw an increase in activity of almost 50%.  Homes listed under $1 million saw a noticeable decline in sales compared to the same quarter last year.  Sellers continue to hesitate when it comes to listing their homes in this price range, afraid they will not be able to find a suitable move-up home.

Because the demand for higher priced homes was very healthy, it helped create the perfect storm for bidding wars:  few homes available vs. many interested buyers.  

Since the end of the 2nd Quarter, Sonoma County has experienced the “summer slump”, but indicators are pointing to a more robust second half of the year.

If you are looking to get ahead in the real estate coming-boom, Sun Pacific Mortgage is here to help.  We offer “not-normal” loans for Borrowers who have difficulty getting approved for conventional financing or for Home Owners looking for a Bridge loan to buy another home before they sell their current house.  Give us a call at 707-523-2099.

Visit our Sonoma County website: http://www.sonomacountyhardmoneyloans.com/

Revitalize That “Dead Loan” With Our Not Normal Loan Programs


This year so far (January through July) we have closed 142 Hard Money Loans – 20+ loans per month.  Loans done so far total over 45 million.  These not-normal programs have much more forgiving qualifications than traditional financing.

Regularly we have Brokers and Lenders reaching out to us with a transaction they are hoping to have rescued.  They want an interim approval and funding while their client gets fully qualified to refinance with them.

We had a Lender contact us about a Borrower he could not get approved for a single-family investment property.  They qualified in all aspects but, unfortunately, they had another property which had incurred some late-payment penalties.

This is where we come in with our not-normal, hard money loans programs.   In 2 weeks, we had this scenario approved and funded!  Relieved Lender and happy Borrower.

If you are having difficulty getting a particular loan scenario approved, call us at 707-523-2099.

Your Superheroes Are Here!


Can’t get that loan done?

We can with our Hard Money programs!

“You are easy to work with and you get the job done.  I know early on IF you can do the deal or not and then not much changes to Closing. Together I KNOW that we are doing clients a great service from their thank you’s.”  Broker, John F.


Best, Ken & Forest – The Superhero Guys in the White Hats

California’s Hard Money Lender Since 1988.

Not Normal Loans Recently Funded By Us:


Local Cities Named as California’s Best Place to Live

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In a recent study done by SmartAsset, 345 California cities were ranked the
best places to live with 5 of the top 10 spots going to the East Bay. Here
are the rankings:

No.1: San Ramon (Contra Costa County) – it is home to at least three
major corporate headquarters.

No.3: Dublin (Contra Costa County) – it is central to San Francisco,
Oakland, and San Jose.

No.5: Pleasanton tied for 5 th (Contra Costa County) – Safeway

No.9: Fremont (Alameda County) – close to Silicon Valley.

No.10: Hercules (Contra Costa County) – has the most affordable housing
of the top cities, with a median home value of $395,800.

All of these cities benefit by being in close proximity to San Francisco with
easy access to BART (Bay Area Rapid Transit).
Silicon Valley had 2 cities in the top 10:

No. 4: Foster City (San Mateo County) – Visa is headquartered here.

No. 7: Cupertino (San Mateo County) – Apple’s headquarters.

Some of the metrics used to determine ranking included: median monthly
housing cost, median home value, unemployment rate, and median
household income. This study used cities with at least a 20,000 population.

You can read the entire article at: https://smartasset.com/mortgage/the-
best-places- to-live- in-california

If you are looking for financing to make the move to one of these great
cities and need a fast loan or “not normal loan”, also known as hard money,
don’t hesitate to call us at 707-523- 2099 – we can help.

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