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Why Invest in Non-Owner-Occupied Home Loans

October 16, 2018

Why Invest In Non Owner Occupied Home Loans

We have all heard the horror stories related to Non-Owner-Occupied investment properties, and have thought to ourselves, “Is the headache really worth it?”  Some would say the financial gains outweigh the grief. But what if you could have all the financial benefits and virtually none of the problems? Sound too good to be true?  

This is one time when that question does not need to be asked, because Trust Deed investments offer a lucrative option allowing you to invest in property with little to no blood, sweat or tears on your part.

At Sun Pacific Mortgage we do all the initial behind-the-scenes work for you, and a servicing company can handle all the work required after the signing, e.g. collecting payments and paying taxes.  This becomes the best of all worlds: you get a check each month, and you don’t get those annoying middle-of-the night phone calls.

With interest rates on non-owner-occupied hard money home loans ranging from 10%-13%, you can grow your investment at a much faster rate than almost any other speculative venture.  

If this sounds like an opportunity to build your retirement portfolio, give us a call at 707-523-2099 to discuss how Sun Pacific Mortgage can help you get started.

Is That Turned-Down Loan Making You Crazy?

October 11, 2018

That Declined Loan Driving You Crazy Or Going Crazy Because Of A Turn Downed Loan

After 30 years of offering alternative financing for real estate throughout California, we can safely say we have experienced almost every scenario and are experts in this field.Let us help make things less crazy by getting that loan approved with one of our Hard Money programs!

Make things less crazy with the loan(s) you are trying to get approved: Call Us Today at 707-523-2099 or respond to this email with questions or specifics and we’ll let you know how we can help.

Best, Broker & Broker – The Guys in the White Hats

 

Recently Funded

We Offer Fast Financing For: Single Family Houses, Condos

+ Multi-Family Units and Offices.

$820,000 – Sebastopol, Sonoma County
Temporary Refinance
69% Loan to value
15 Days to Fund!

$1,000,000 – Walnut Creek, Contra Costa County
Temporary Refinance
62% Loan to value
9 Days to Fund!

$1,250,000 – San Juan Capistrano, Orange County
Temporary Refinance
43% Loan to value
12 Days to Fund!

$450,000 – Santa Ynez, Santa Barbara County
Business Purpose Refinance
21% Loan to value
14 Days to Fund!

We’ll Stand Behind You Every Step Of The Way On That Big Loan!

October 4, 2018

Well Stand Behind You Every Step Of The Way On That Big Loan

“I have a client who needs a jumbo loan super-fast. Can you help?”.  This was the question we got from a Mortgage Broker about one of his Borrowers who was trying to rapidly refinance.

This Borrower had just 10 days to close on the Orange County property he wanted to buy, requiring a temporary refinance of another one of his properties he owned outright, so that he could get his needed loan of $2.4 million.

The size of loan and speed was not a problem for our Hard Money loan programs!  We stood behind this Broker and Borrower each step of the way and within 8 days he had his jumbo loan in hand!

Call today at 707-523-2099 so we can help you get that big loan done, FAST.

Best, Broker & Broker – The Guys in the White Hats

Big Loans Have You Confused & Bewildered?

September 21, 2018

Let Us Help Get That Big Loan Done Fast!

Brokerhulk A Mortgage Broker In Southern California Called Us With An Opportunity He Was Not Able To Do:

A Mortgage Broker in Southern California called us with an opportunity he was not able to do:

A bridge loan for $850,000 at 65% loan to value.  His Borrower was self-employed with difficult to prove income, thus having difficulty with loan approval within the time frame required by the Seller.  This was not a challenge for our hard money bridge loan program!

We often receive calls from other Brokers and lenders, who, for one reason or another, cannot get their underwriters to approve a loan scenario for their Borrower.  Being in business for over 30 years now, we are expert at Hard Money loans and consistently get fast approvals and fast funding.

Many of our loans get done in less than 1 week! Call today at 707-523-2099 so we can help you get that big loan done, FAST.

Conventional Vs Hard Money Loans

September 18, 2018

Conventionallaonvshardmoney Let’s Look At The Difference Between Traditional Or Conventional Lenders, Such As Banks And Other In-House Lending Institutions And A Hard Money Lender:

Let’s look at the difference between traditional or conventional Lenders, such as Banks and other in-house lending institutions and a Hard Money Lender:

Interest Rates – Conventional interest rates are generally lower than hard money rates, but if a hard money loan makes the difference between no loan and paying a little more until you qualify, it can be a huge benefit.

Upfront Fees – There are no upfront fees for a hard money loan.

Loan Terms – Conventional loans may have loan terms that extend to 30 years; Depending on the program, Hard money loan terms are 12 months, 2 years, 3 years and for primary residences can be for longer.

Borrower’s Credit – The borrower’s credit is not a stumbling block for hard money lenders.  We concern ourselves with the equity in the property and your ability to make the mortgage payment, not a FICO score.

Time to Close – Hard money loans can close in less than 1 week if rush!  Conventional loans can take up to 60-90 days because of the documentation and inspections required.

Our investors consider these loans a safe investment knowing that, besides the mortgage lien, these properties are backed by title and hazard policies.  

Is There a Secret to Getting My Loan Approved?

If you have a decent down payment or existing equity and an ability to repay the loan (a source of income) then you are in a great position to get a hard money loan approved and your deal closed in record time.

Sun Pacific Mortgage has been financing properties as purchases and refinances for over 30 years, and we would welcome an opportunity to assist with yours or a client’s loan scenario. Call us today at 707-523-2099.  We are happy to help!

Guardians Of Hard Money Loans

September 14, 2018

Jpeg After 30 Years Of Financing Multitudes Of Hard Money Loans, It Has Become Apparent That We Are The True Guardians Of Fast Hard Money!

After 30 years of financing multitudes of Hard Money loans, it has become apparent that we are the true guardians of FAST Hard Money!

We have funded many loans in less than one week; We can finance a property that doesn’t qualify for conventional financing; Lend to those who have difficulty proving income, as well as those borrowers with poor credit who have been turned down elsewhere.

Call Us today at (707) 523-2099 or email back and let us be the guardians of your loan!

Best, Broker & Broker – The Guys in the White Hats

Recently Funded

We Finance Single Family Houses, Condos, Principal Residences

+ Multi-Family Units, Commercial & Office

$925,000 – Walnut Creek, Contra Costa County
Non-Owner Bridge Refinance
64% Loan to value
8 Days to Fund!

$550,000 – Monte Rio, Sonoma County
Owner Occupied Temp Refinance
51% Loan to value
13 Days to Fund!

$540,000 – Santa Rosa, Sonoma County
Owner Occupied Temp Purchase
80% Loan to value
9 Days to Fund!

$850,000 – Morgan Hill, Santa Clara County
Owner Occupied Temp Refinance
69% Loan to value
10 Days to Fund!

Help Your Client Take the First Step Toward Homeownership

September 12, 2018

Brokershardmoney As Lenders Or Brokers You Often Come Across A Client Who Is On The Brink Of Qualifying For A Conventional Loan, But Can’t Quite Make The Grade.  That’s The Time For A Call To Sun Pacific Mortgage, The Premier Hard Money Lender In California, Offering Such Loans Since 1988!

As Lenders or Brokers you often come across a client who is on the brink of qualifying for a conventional loan, but can’t quite make the grade.  That’s the time for a call to Sun Pacific Mortgage, the premier Hard Money Lender in California, offering such loans since 1988!

If we can get your client into a home with one of our programs, when they are ready to pay off that loan, they will fondly remember your efforts to get them into their home in the first place.  That’s when you have a grateful client returning to you for their qualifying conventional loan.

In our 30+ years of working with referring Lenders in California, we have witnessed countless times the benefits of this arrangement to both the Lender and the Borrower.  Generally our Hard Money loans come due between one and three years, allowing the Borrower to resolve their issues that originally prevented them from obtaining a loan from you.

If you want another avenue to enhance your client relations, a Hard Money resource is a great option.  Give us a call at 707-523-2099 with your scenarios and we will be happy to help you find a solution for your client!

Make More Money With Your Investments

September 4, 2018

Makemoremoney Any Time Your Money Makes Money With Little Time Investment On Your Part, It’s A Good Deal.  That Is The Bottom Line When We Speak About Investing In Hard Money Trust Deeds. Here At Sun Pacific Mortgage, We Find The Opportunities, Vet The Borrower, And Confirm The Legitimacy Of Property Ownership.  

Any time your money makes money with little time investment on your part, it’s a good deal.  That is the bottom line when we speak about investing in Hard money trust deeds. Here at Sun Pacific Mortgage, we find the opportunities, vet the borrower, and confirm the legitimacy of property ownership.  

In today’s unsettled financial world, trust deeds are an investment many are finding very comforting.  You, the investor, can count on a steady income without the headaches and hassles of actual ownership. It is highly recommended that you have a trust deed servicing company work with you to ensure your investment is safe and your monthly interest payments come in.

Speaking of interest, when you invest in one of our hard money loans, your interest rate will be somewhere between 9% and 13%, depending on the various factors influencing the loan package.  It would be difficult to find this type of interest rate on your money anywhere else in today’s market.

Sun Pacific Mortgage has had 30 years of experience in this business and we know a good deal when we see one!  Give us a call at 707-523-2099 to get further information about investing in deeds of trusts with us.  Find out what we can do for you to find a home for your hard-earned money.

Hard Money’s Very Own Super Hero!

August 30, 2018

Promo We Stand Ready, Stronger Than Ever, To Help Get Your Loan Approved Fast!  Having A 2018 World Classic Cruiser Weight Champion On Our Family Hard Money Team, Just Adds That Special Superpower To Our Alternative Financing Programs.

We stand ready, stronger than ever, to help get your loan approved fast!  Having a 2018 World Classic Cruiser Weight Champion on our family Hard Money team, just adds that special superpower to our alternative financing programs.

Read below to see various loans funded by our office.  And then email us back or Call Today 707-523-2099 to find out how we can help be yours or your client’s superhero!

Recently Funded

Single Family Houses, Condos, Principal Residences +
Multi-Family Units, Commercial & Office

$668,000 – Santa Rosa, Sonoma County
Owner Occupied Purchase
77% Loan to value

$840,000 – LA, Los Angeles County
Bridge Loan
57% Loan to value

$620,000 – Cotati, Sonoma County
Owner Occupied Purchase
80% Loan to value

$647,000 – Simi Valley, Ventura County
Owner Occupied Temp Refinance
73% Loan to value

$395,000 – La Miranda, Los Angeles County
Owner Occupied Temp Refinance
69% Loan to value

Investors, When Can We Expect the Next Recession?

August 28, 2018

Recession2018 Economist And Analysts Have Studied The Trends In Our Economic Growth Over The Past Decade And Beyond, And They Have Concluded That A Recession Is Coming In The Next Couple Of Years, 2020 Per Them.

Economist and analysts have studied the trends in our economic growth over the past decade and beyond, and they have concluded that a recession is coming in the next couple of years, 2020 per them.

But, as real estate investors, you have no need to panic!  A recession does not mean a housing crisis. A recession means the economy has slowed down markedly, but until the last recession, home values appreciated during an economic downturn.  

The causes for the real estate crash have been remedied for the most part, and we can presume, from historical data, that a recession will not have a negative impact on the housing market this time around.

What does that mean for you, the real estate investor?  You can sleep well knowing that your hard-earned money is as safe as possible and earning high returns, in this topsy-turvy world of today’s economy.

If you are looking for a higher return and safer harbor for your money, please call us at Sun Pacific Mortgage at 707-523-2099.  We will be happy to help place your funds in deeds of trusts, backed by California real estate. We invested $14 million the past month and aren’t slowing down any time soon.  Rest assured we will have trust deed offerings regularly available for your investing.

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