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Investing in Trust Deeds with Your 401K or IRA

Investing in Trust Deeds with Your 401K or IRA

Many investors would like to increase their personal wealth with real estate property but dread all the work and responsibility that comes with the management and headaches inherent in rentals.  That is the reason wise investors have turned to Deeds of Trust, to realize more than average returns on their investment and avoid the hassles and potential nightmares of being a “landlord”.

Buying Trust Deeds turns you into a real estate lender and a passive owner of property.  You supply the mortgage and in return receive monthly payments of interest and have the loan paid off over time (which can be for as little as six months to one year).

When this investment is undertaken with money from your IRA or 401K, the payments can either be reinvested into your IRA to grow tax-free or can be taken as withdrawals to meet your minimum withdrawal requirements.

Since IRAs are designed to hold investments on a long-term basis, Trust Deeds have become a financially desirable addition to retirement portfolios.  Also, the rates on the return are attractive enough to make it a worthwhile option for IRAs or 401 plans. Our Trust Deeds earn interest rates up to 12-13%.

We here at Sun Pacific Mortgage do all the “heavy lifting” for our investors.  Our due diligence in obtaining the necessary background information on both property and borrower creates a safety net for your hard-earned investment funds.

With our long reputable 33+ years of honest lending opportunities, we guarantee secure and vetted lending of trust deeds for our investors.

If you are seeking another avenue to diversify your retirement holdings and to gain more profitable returns on your investments, give Sun Pacific Mortgage a call at 707-523-2099 or email us through our website www.sunpacmortgage.com to expand your investing opportunities.

Real Estate Report on North Bay Counties for August

So Many Mortgage Myths

Once again, the lack of inventory has been the biggest factor in the shaping of the real estate market for last month.  Too many Buyers, not enough Sellers.  Here are the single-family residences results for Sonoma, Marin, and Napa counties:

Sonoma County:

  • Into contract:  537
  • New listings:  451 (115% less than 8/2020)
  • Closed:  585
  • Open listings on 9/1:  698

Marin County:

  • Into contract:  192 (20% less than 8/2020)
  • New listings:  139 (53% less than 8/2020)
  • Closed:  223
  • Open listings on 9/1:  211

Napa County:

  • Into contract:  126
  • New listings:  111 (14% less than 8/2020)
  • Closed:  125
  • Open listings on 9/1:  235

If you are hoping to snag your own new home in the North Bay or anywhere else in California, consider a privately funded loan from Sun Pacific Mortgage.  With our specialty mortgages, you are armed with the “fast close” weapon, a real bonus in this present market.  We offer refinances, Bridge loans, and purchase loans that can be closed often in a week.  Call us at 707-523-2099 to find out what we can do for you.

Loan of the Week – Finance Legacy

Carrying on the legacy of 33+ years of private money lending:

Fast Loans – Refinance or Purchase

  • Credit Problems Okay
  • FAST Financing!
  • Million Dollar Loans Provided
  • Trusted By Over 10,000 Borrowers!

Loan of the Week

A Home Buyer was referred to us by his Realtor and conventional Lender in San Mateo County.  There was a credit problem that required a few more months of handling before this particular Buyer could qualify for a conventional loan.

So, they came to us for a short-term jumbo loan of 802,000.  Despite the size of loan, with a lower loan to value of 61%, we were able to quickly get the loan approved, funded and money to Escrow within just 7 days!

Call Us Today at 707-523-2099.  You’ll quickly hear back with a proposal as to what we can do for your Buyer.

Recently Funded – Get Your Loan!

Let us help you with our FAST Private Money Loan Programs, just as we did below:

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  • FAST Close!
  • Credit not an issue
  • We finance primary and investment properties
  • Trusted by more than 10,000 Borrowers

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Give us a call at 707-523-2099 with any questions or scenarios.  We will quickly answer with what we can do to help!

Has the North Bay Run Out of Real Estate Sales?

housing inventory

There has been a dearth of sellers for a few years now, but the summer months have been especially quiet as more families are taking vacations in this post-pandemic age.

Looking at MLS data for June, we find that Sonoma County buyers contracted to purchase 619 single-family homes, which is close to the number in June 2020.  There were 514 new listings -10% fewer than the same time last year, and 620 homes closed escrows, a 32% increase over 2020.

Because of the frenetic pace of homes selling, and the lack of new inventory, only 684 homes were available to sell at the beginning of July, a stunning 22% fewer than last year.

Marin County saw the hottest market in the North Bay with only 181 new single-family homes for sale, 34% fewer than last year.  286 homes went into escrow and 328 homes closed escrow leaving the region with only 205 homes for sale at the beginning of July.  The median home value rose to $1,778,000.

Given the fact that homes are selling faster than homes are being placed on the market, we can continue to expect prices to rise over the next few months.

If you want to secure a property in the North Bay but are being rejected by conventional lenders because of credit or difficulty to proving income, or you just need fast financing, call Sun Pacific Mortgage at 707-523-2099.
We have private investors to fund your mortgage in record time! With 33+ years of experience you can expect a quick, honest, and smooth closing.  Give us a call to see what we can do for you.

Fast Loans – Refinance or Purchase!

Fast Loans – Refinance or Purchase

Avoid any loan slows or disapprovals by coming to us for fast a Private Money loan!

Loan of the Week

We received a call from a San Mateo Broker and his Borrower, asking if we could perform one of our “fast miracles”.  This individual wasn’t getting fast enough loan approval from his current Lender, and he didn’t want to miss out on a great house that he had finally gotten into contract on.

As one of our specialties is speed, we got right onto it:

  • Bridge Loan
  • 631,500 Purchase Price
  • 64% LTV
  • Funded in 7 days!

We can help you with a loan, just like we did above. Call us at 707-523-2099 with your scenario today. Or visit our website at www.sunpacificmortgage.com.  We’ll quickly reply with how we can help!

4 Biggest Myths About Hard Money Loans

4 Biggest Myths About Hard Money Loans

All real estate investing can be scary, but especially when talking about “hard money loans”.  In reality, hard money loans are fairly common when it comes to real estate investing.  By definition, hard money or privately funded loans, are just that: loans given by individuals instead of by a bank or traditional lending institution.  Despite that simple explanation, there are still lots of myths about hard money loans.  Let’s exam and dispel some of these here:

  1. Only the Desperate Seek Out Hard Money Loans:  Most of the people who seek out hard money loans are smart business people who need a very quick close not possible with larger institutions, have bad credit, recent bankruptcy or they have difficulty proving income.
  2. Hard Money Lenders Are All Loan Sharks: These lenders are business people just like their clients and are fully aware that fairness and good business sense means you get return business.  Sun Pacific Mortgage has been in business for over 33 years, it’s owned and operated by a family of very dedicated business professionals with hundreds of repeat Borrowers and weekly referred Borrowers.
  3. Hard Money Loans Are More Expensive Than Traditional Ones:  If time is money, than to get money in less than a week so you can acquire a property for a profit is essential.  If a traditional lender can’t get you the funds in time to salvage the deal, then it is simply not a valid option.
  4. Hard Money Loans Have Draconian Rules:  Generally speaking, hard money loans have different restrictions put on them than consumer loans.  Lenders and borrowers are encouraged to negotiate until they reach mutually acceptable terms.  All governmental regulations regarding hard money loans are strictly adhered to by Sun Pacific Mortgage.

Sun Pacific Mortgage has been able to help thousands of borrowers and investors enhance their family wealth by being there when they were needed.  We are the “Guys in the White Hats” who can rescue a real estate deal when it suddenly turns sour if Underwriting disapproves the loan; We are there for FAST financing needed for those quicker closes.  Give us call (707-523-2099) to see what we can do for you.

Need Help With That Loan?

We Can Help You Like We Did Those Below:Screen Shot 2021 08 30 at 12.57.13 PM

  • Need a Big Loan = We Do These!
  • Difficult to Prove Income = OK!
  • Credit Problems = No Problem!
  • Get FAST Approvals!

Need Help With That Loan

Continuing our 33 year legacy, we are here if you need us. Call today: 707-523-2099 with questions or scenarios and we’ll let you know what we can do for you.

Popular Loan: Alt-A Financing!

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Alt-A Hard Money Loans!
By The Guys in the White Hats 

This program offers lower hard money rates for your Buyers and Borrowers!

  • Faster Funding – of Purchases and Refinances
  • Borrowers with good credit (640+)
  • Lower Loan To Value (64% LTV or lower)
  • Nice property in good location

Continuing a 33 year legacy of Hard Money lending – also known as Private money. This newer and quite popular loan program is for Borrowers and Buyers who are just shy of qualifying for “A” paper.

Recently Funded Alt-A Scenario By Us: 

  • Non-Owner Occupied Purchase: $946,870
  • Loan To Value: 62%
  • Sonoma County

Santa Rosa Home Buyer was turned down by her Lender, 27 days into a 30-day Escrow. Had all qualifications checked except a last-minute issue as to proof of income, which resulted in Underwriting withdrawing loan approval.

The Buyer’s Agent luckily called our office, requesting quick help. With a low LTV of 62%, within just 4 days we had loan approved and funds ready for her purchase of $946,870!

In addition to this newer program, we continue to provide our traditional Private Money loan programs for those in need of fast cash, turned down elsewhere for credit issues or difficult to prove income.

Call us at 707-523-2099 with any questions or scenarios and we’ll reply quickly with what we can do for your Buyers or Borrowers.

Are you a Broker/Lender? Click Here to see how to increase your success rate.

Are you a Realtor? Click Here to see how we can increase your closing rate. 

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