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Full Buck. No Bull. That’s the Private Money Way!

Wild Ride getting FinancingTurned down at the last minute by your local Lender or is your loan taking too long to get financed? End the wild ride for you or someone you know with one of our Direct Private Money loan Programs – just like we did for the Borrowers below:

Recently Funded

Program: Bridge loan
Loan Size: 690k
Location:  Marin County
Why Came To Us: Borrower didn’t want to sell his home prior to buying a new one for his family. This helped remove the contingency of the need to sell his home prior to buying another.

Program: Investment Property Refinance
Loan Size: 725k
Location:  Sacramento County
Why Came To Us: Property had an NOD on it which needed to be paid off and borrower wanted to do debt consolidation so could improve credit.

Program: Investment Purchase
Loan Size: 527k
Location:  San Mateo County
Why Came To Us: Borrower was an LLC and as such, wasn’t getting approved for financing elsewhere but we were able to help.


We look forward to helping you or someone you know with our alternative financing, also known as Private Money. Call Sun Pacific Mortgage at 707-523-2099 or visit our website at www.sunpacificmortgage.com.  Our loans are fast, flexible and get the job done. Full Buck, No Bull –  with a team of 800+ Private Investors, we never run out of money!

San Francisco Real Estate Market – Start of 2nd Quarter 2023

San Francisco Real Estate

The real estate market in San Francisco saw a slight downward motion at the beginning of Q2 of 2023, for single-family residences. However, the condo market saw a slight uptick.


Average Sales for Single Family Residences:
April: $2,148,830
March: $2,295,548
Down: $146,718
Average Days on the Market was 30 days.


Average Sales for Condos:
April: $1,378,035
March: $1,244,057
Up: $133,978
Average Days on the Market was 54 days.


If you are looking for a profitable niche for your retirement, look no further than investing in California real estate. You don’t need to be a landlord to get in on this valuable asset, you can invest in Deeds of Trusts, for higher returns.  Sun Pacific Mortgage & Real Estate is one such company, licensed Brokerage since 1988, that offers regularly available Deeds of Trusts throughout California and Hawaii.  Call 707-523-2099 or check out the investor webpage for further information and a contact form: https://www.sunpacificmortgage.com/invest-in-trust-deeds/

Private Money – The Bridge To Your Future Home!

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After 35 years of experience, we are specialists at helping bridge the distance for individuals who want to buy a new home before selling their current house, or in need of FAST financing for a stronger cash-like offer. Let us help you or someone you know with our popular Private Money Bridge loan program like we did below:

Loan of the Week

Program: Bridge Purchase
Loan Size: 1.2 million
Location: San Luis Obispo County
Reason Came To Us: A Borrower was lucky enough to connect up to us, to rescue their purchase that they were already in Escrow on.  Their current purchase financing fell through at the last minute with their conventional lender, due to higher debt-to-income ratios. With the help of our Private Money programs, we were able to use the equity in his current house to help get the final money needed to buy the new home.  We were able to rapidly get him approved and loan fully completed in just 13 days!

Here at Sun Pacific Mortgage, we offer our Bridge loan program to help those individuals in need of FAST financing, to purchase another home before selling their current house or having difficulty elsewhere getting a mortgage.

Give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com. We will quickly let you know what we can do to help you or someone you know bridge the distance to their future home!

Honolulu Housing Market Trends

Honolulu Real Estate

In March 2023, Honolulu home prices were up 9.0% compared to last year, selling for a median price of $594,000. On average, homes in Honolulu sell after 78 days on the market compared to 56 days last year. There were 316 homes sold in March 2023, down from 467 last year.

Between January 2023 and March 2023, 40% of Honolulu homebuyers searched for homes outside of Honolulu, while 60% looked to stay within the metropolitan area.  San Francisco homebuyers were the top metro who searched to move to Honolulu.

Looking at all of Hawaii, in March 2023 there were 5,062 homes for sale, down 10.6% year over year. The market remains in the seller’s court, much like the rest of the mainland.

For Homebuyers, Homeowners, Real Estate agents and conventional Mortgage Brokers, Sun Pacific Mortgage & Real Estate’s fast, alternative Private Money mortgage programs can be of great benefit to today’s real estate market in Hawaii.

This type of real estate loans can provide 10 day closes or less! There is no debt-to-income ratio requirements nor credit requirements!  Financing is offering in each of the main areas of Hawaii, including: Hawaii County, Honolulu County, Kauai County, and Maui County.

If you are shopping for a second home in one of these counties or want to pull cash out of real estate for some business purpose,  give us a call at 707-523-2099 or email us through our website at www.Sunpacificmortgage.com

Bridge Program – Private Money Loans!

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With our many loan programs, we can help get that loan approved and funded for you or someone you know!  One of our most popular loan programs is the Bridge Loan.

Here are the benefits of getting this type of financing with us:

  • Bridging the gap between the sale of one’s home to purchase another home, using the equity in the property.
  • Getting an offer accepted because you have an offer with the next best thing to all-cash.
  • We look at equity, not credit worthiness.
  • Fast financing – we can close in 7 days or less!

Recently Funded Bridge Loan

Recently, a local Mortgage Broker reached out to us for one of his past Borrowers, whose debt-to-income ratios were too high if the borrower had 2 mortgages.   The borrower wanted to pull cash out of his current home’s equity as a down payment on another house he wanted to purchase.  He needed a loan of $540,000, which we had no problem getting approved.  Within a couple of weeks, the loan was funded and borrower was a new homeowner!

Call us at 707-523-2099 or visit our website at www.sunpacificmortgage.com with any questions or scenarios and we’ll reply quickly with what we can do to help.


How to “bridge” the gap the between buying and selling your home!

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What options would a buyer have if they find the home they want to buy, but haven’t sold their present home? If the buyer needs the funds from the sale of their present home as a down payment on the new purchase, they can look to a bridge or temporary loan to solve their problem. A bridge loan is a loan that helps a current homeowner buy another new home, prior to the sale of their current house.  Once the sale is finalized, the bridge loan is generally paid off from the proceeds of the sale.

At Sun Pacific Mortgage we cater to this type of loan with a program that allows the borrower to obtain a short-term private money loan, with interest only payments. We have investors who will lend amounts up to $1.5 million. The interest rates are generally based on the loan to value – and can be a Bridge refinance loan for cash out of current home, a Bridge purchase loan to help buy the new home, or a Bridge loan that includes both the current home equity & the new home equity.

There is no prepayment penalty associated with this loan, but we do look for a loan to value of least 65% for refinances and up to 75% for purchases. Also, debt to income ratios are not considered with this loan program, nor is FICO scores.

If this is a solution to one of your problems, or the situation one of your clients is facing, visit our website at www.sunpacificmortgage.com or please call us at 707-523-2099 to find a fast, alternative and flexible solution.

Bring the Heat with Private Money 🔥

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Bringing the Heat with Private Money!

Conventional mortgage rates have been on the rise and inventory is still low across California, BUT Homebuyer purchase offers are increasing again – which is bringing back the competitive market.  With these factors in play, we have seen one of our Private Money programs heat up in popularity! What’s HOT:

Bridge Program: close the gap with a current home not yet sold and a new primary residence that you or someone you know wants to buy!  And, this program can give them the competitive advantage of a fast close and offering the next best thing to all-cash!

Give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com to see how we can help you or someone you know bridge the gap to your new home.

2023 California Housing Market Continues to Stabilize

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Most housing analysts expected 2023 to be a rough year for the U.S. housing market. In fact, among the 29 major housing forecast models, 24 forecasted a national home price decline for 2023.

But, so far, that hasn’t proven to be true.

Through the first few months of 2023, the U.S. housing market continues to show signs of stabilization. Existing and new home sales have inched up a bit this year, and homebuilder confidence has improved. Firms like Zillow, CoreLogic, and Black Knight have all reported positive month-over-month home price increases this Spring.

What’s going on? For starters, a lack of homes for sale, coupled with the market entering its busier Spring period, has, at least for now, pushed the national housing market back into equilibrium.

Don’t misread the above statement and think that the housing market is normal just yet. Some housing markets are booming right now, while others, like San Jose, are still passing through a home price correction.  Even within a particular market, it can vary considerably.

According to Zillow, among the 1,563 California ZIP codes tracked, 6.7% saw home price increases between December 2022 and March 2023. The other 93.3% of California ZIP codes saw a home price decrease, if only slightly.

CoreLogic, a real estate research firm, expects U.S. home prices to rise 3% between January 2023 to January 2024. If CoreLogic is correct, then U.S. home prices would end 2023 back at price levels achieved at the height of the boom in June.

It is good to remember that the appreciation in California home values during the past 2 years was about 15%, so these slight declines should not deter buyers from jumping into the real estate market.

If you are looking for a private real estate loan, and can’t qualify for a conventional loan, look no further than Sun Pacific Mortgage. We have been lending to California real estate investors for over 35 years. Give us a call at 707-523-2099 or find us at www.sunpacmortgage.com.


Looking To Get A Refinance Done?

Tough time refinancingDon’t Lose That Loan – Private Money Can Help!

If you or someone you know are having a tough time getting loan approval for a purchase or refinance, don’t lose that loan, give us a chance to help with our trusted Private Money lending programs – just like was done below:

Recently Funded

Program: Investment Property Refinance
Loan Size: 904k
Location: Marin County
Why Came To Us: Self employed with difficult to prove income.

Program: Owner-Occupied Business Purpose Refinance
Loan Size: 720k
Location: Sonoma County
Why Came To Us: Wanted to do business debt consolidation to improve credit, and get extra cash to complete building an ADU behind a rental property, to create additional cash flow.

Program: Primary Residence Bridge Purchase
Loan Size: 642k
Location:  Santa Cruz County
Why Came To Us: Didn’t want to sell current house prior to buying a new home for the family, and couldn’t get a loan elsewhere due to high debt to income ratios.

We have helped many Borrowers get their loan done and funded fast! If you or someone you know are having a tough time getting approval from their Lender – give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com.  We’ll let you know quickly how we can help you not lose out on that refinance or purchase loan.

This Quick Draw Duo Wrangles In Loans!

April 3We Wrangle In Those Loans Turned Down Elsewhere!

We have 1 main qualification:  At least 25% down payment or good existing equity.

How about letting us help wrangle in that loan your local Lender has turned down?!  We pay full commission to licensed Brokers as well as can pay referral fees to those who bring a business purpose loan to us that we fund.  See how we were recently able to help the Borrower below:

Loan of the Week

Program: Investment Property Financing
Loan Size: 862k
Days to Fund: 13 days
Location: El Dorado County
Reason Came To Us: A Mortgage Broker contacted us about a Borrower in need of a 860k refinance on his home, but due to poor credit after a difficult divorce and high DTI, he wasn’t qualifying for a conventional loan.  This is where our Quick-Draw Duo wrangled in that loan and within short order, the relieved Borrower and his Mortgage Broker had a completed loan through our family company!

This Quick Draw Due is at your service.  We won’t hesitate to help you or someone you know if we can, so send us your scenario today by email or phone at 707-523-2099, or visit our website at www.sunpacificmortgage.com.

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