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Help Sellers Spring Into Action!

Spring Promo 4 Real Estate Activity Can Be Increased And Home Owners Who Want To Sell Can Benefit From Bridge Loans And Short-Term Loans.

Real estate activity can be increased and Home Owners who want to sell can benefit from Bridge loans and short-term loans.

● This type of financing removes the stress of having to get into contract on a new home before one sells their current house.

● Purchase offers can be extra strong as the financing required to buy a new home is available, no longer requiring a contingency of one’s current house to be sold.

We take an average of 18 days to fund a loan, with our fastest funding in 3 days!

Email back or Call Today 707-523-2099 so we can help bridge the gap with our Hard Money programs.

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

Recently Funded Loans –  Bridging The Gap:

$500,000 – Sonoma, Sonoma County
41% Loan to value
13 Days to Fund!

$750,000 – Los Altos, Santa Clara County
49% Loan to value
10 days to Fund!

$365,000 – Santa Rosa, Sonoma County
65% Loan to value
11 Days to Fund!

$300,000 – Brentwood, Contra Costa County
54% Loan to value
14 Days to Fund!

$475,000 – Atascadero, San Luis Obispo County
60% Loan to value
22 Days to Fund!

$400,000 – Porterville, Tahoe
8% Loan to value
21 Days to Fund!

Spring Into Fast Loan Approval With Hard Money

Springsprings Alt3 “I Know If Anyone Can Help, It Is Sun Pacific. You Are Quick And Clean. Thanks!”  Loan Originator – S.r.

“I know if anyone can help, it is Sun Pacific. You are quick and clean. Thanks!”  Loan Originator – S.R.

A Home Owner reached out to us, hoping we could help get him a loan despite being self-employed, with difficult to prove income.  We Can!

He wanted to buy a business property in Los Altos and needed a loan for $750,000.  Using our Hard Money Loan programs, we approved and financed his loan in just 10 days!

If you or someone you know is looking to spring into a fast loan approval, don’t hesitate to call us at 707-523-2099.  We can help.

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

 

Top 10 Reasons To Use Hard Money

 

Top10 And The #1 Reason... As A Hard Money Lender For 25 Years – I Say Yes When Others Say No!

#10. You had a recent Bankruptcy.
#9. You are currently in a bankruptcy.
#8. You had a short sale not too long ago..
#7. You had a foreclosure yesterday.
#6. You have been in a bankruptcy for a year, had 2 foreclosures of rental properties in the last 12 months and you are currently short selling your home (true story!!).
#5. Your home loan was just declined by the bank that approved you a month earlier for something on your credit report that was there from the start.
#4. You have written 11 [unaccepted] offers and now have a new best friend in your Realtor.
#3. 3 words: “Fourteen” – “Day” – “Escrow”! (I just did one in 7 days. My record is 5, and I would like the challenge to do it quicker!!)
#2. You are the “perfect loan” for a bank. Perfect credit, perfect income, big down payment. But you want to buy a dumpy property and fix it up. Banks hate dumpy properties.

And the #1 Reason… As a Hard Money Lender for 25 years – I say YES when others say no!

 

Call me with your scenarios and let’s see how we can help!
(707) 523-2099

Spring Into Action With Hard Money

“Your team saved my house!  And closed very quickly!  When others say “no”, you are ready to go.  Very professional and friendly and you get it done!!”  Borrower, N.A.

Spring Field 2 “Your Team Saved My House!  And Closed Very Quickly!  When Others Say “No”, You Are Ready To Go.  Very Professional And Friendly And You Get It Done!!”  Borrower, N.a.

We work to get you FAST loan approval and financing for your real estate purchase or refinance. Our Hard Money loans provide multiple options and can make that impossible deal – possible! We also do Jumbo size loans. See below for some recently funded loans.

And Call Us Today at 707-523-2099 to see how we can help you, a friend or a client spring into action and get that loan done!

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

 

Recently Funded By Us

Single Family Houses, Condos, Principal Residences

$680,000 – SFO, San Francisco County
Non-Owner Purchase
62% Loan to value
12 days to Fund!

$750,000 – Los Altos, Santa Clara County
Owner Occupied Refinance Business Purpose
69% Loan to value
10 Days to Fund!

$400,000 – San Jose, Santa Clara County
Owner Occupied Temporary
63% Loan to value
21 Days to Fund!

$475,000 – Atascadero, San Luis Obispo County
Owner Occupied business Purpose Refinance
60% Loan to value
22 Days to Fund!

Multi-Family Units, Commercial, Office & Land

$540,000 – Petaluma, Sonoma County
Non-Owner Purchase
59% Loan to value
17 Days to Fund!

$1,025,000 – Fort Bragg, Mendocino County
Commercial Refinance
50% Loan to value
22 Days to Fund!

$1,430,000 – Sloughhouse, Sacramento County
Non-Owner Refinance Business Purpose
53% Loan to value
19 Days to Fund!

Spring Is Just Around The Corner…

“We wanted to THANK YOU! – so much for helping us to get this loan!

This was a great experience from the beginning to funding. Really appreciate all the time and effort each of you put into making this happen for us!  Thank you so much for your assistance.” All the Best, Borrowers J & L

Spring Just Around The Corner “We Wanted To Thank You! - So Much For Helping Us To Get This Loan!

A Mortgage Broker reached out to us on April 18th.  Her client was looking to do a fast business purpose refinance on a rental he owned in San Francisco.  He wanted to use his equity to do upgrades as well as for a down-payment to buy another investment property.

Due to the condition of the rental and time frame to get this done – a conventional loan wouldn’t work. With our Hard Money loan programs, we had no problem!

Within just 12 days, the Borrower had his loan of $680,000 in hand!

The Spring real estate season is just around the corner.  Close more deals with Hard Money! Call us at 707-523-2099,

Bullseye – With Hard Money

Succeed With Hard Money Our Target For Every Loan Is To Hit The Bullseye!  Quickly Fund; Provide Multiple Options; Make An Impossible Deal Possible; Fund Jumbo Size Loans.

Our target for every loan is to hit the bullseye!  Quickly Fund; Provide Multiple Options; Make an impossible deal possible; Fund jumbo size loans.

“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 – JF

See below for some recently funded loans.  And Call Us today at 707-523-2099 to see how we can help you, a friend or a client with similar scenarios!

Recently Funded By Us

Single Family Houses, Condos, Principal Residences

$540,000 – Petaluma, Sonoma County
Non-Owner Purchase
59% Loan to value
17 days to Fund!

$462,000 – San Leandro, Alameda County
Owner Occupied Refinance Business Purpose
69% Loan to value
9 Days to Fund!

$365,000 – Santa Rosa, Sonoma County
Non-Owner Purchase
65% Loan to value
11 Days to Fund!

Multi-Family Units, Commercial, Office & Land

$780,000 – Pomona, San Bernardino County
Non-Owner Refinance
60% Loan to value
22 Days to Fund!

$1,430,000 – Sloughhouse, Sacramento
Non-Owner Refinance Business Purpose
53% Loan to value
19 Days to Fund!

$1,100,000 – Thornton, San Joaquin County
Commercial Purchase
50% Loan to value
26 Days to Fund!

Buying A Home Is Still Cheaper Than Renting

Image1 Many California Families And Individuals Continue To Rent, Despite The Many Great Financial Benefits To Owning A Home.

Many California families and individuals continue to rent, despite the many great financial benefits to owning a home.

Home Ownership continues to be part of the American Dream. Realtor.com recently reported:  “Buying remains the more attractive option in the long term – that remains the American dream and it’s true in many markets where renting has become really the shortsighted option…as people get more savings in their pockets, buying becomes the better option.”

Here’s some facts that owning is financially better than renting:

  • Homeownership is a form of forced savings.
  • It provides tax savings.
  • It allows you to lock in your monthly house cost.
  • No other investment lets you live inside of it.
  • Studies show a homeowner’s net worth is 44x greater than a renter’s.
  • Home owners can build their own wealth and equity, instead of paying Landlord’s mortgages & increasing their equity.

Some argue how renting eliminates costs of home repairs and taxes. However, every potential renter needs to realize that their Landlord includes these expected expenses – along with a profit margin – into the rent payment they’ve set!

So, moral of the story is: Since owning a home is logically the better financial standpoint, connect up to your local, licensed Lender and find out what you need to qualify to become a home owner!

And if you want to make a better home purchase offer, get a fast home loan or are self employed with difficult to prove income – thus having difficulty qualifying for a conventional home loan – then we at Sun Pacific Mortgage & Real Estate are more than willing to help with our Private Money home loans.

Call us at 707-523-2099.

Reference: Keeping Current Matters blog: NOT Owning Your Home Can Cost You A Lot Of Money!  https://www.keepingcurrentmatters.com/2018/04/02/not-owning-your-home-can-cost-you-a-lot-of-money/

The Incredible… Loan of the Month

Incredibleloanofmonth A Local Mortgage Broker Reached Out To Us About A Client Investor Of Hers Who She Couldn’t Quite Fit Into Loan Approval Bracket For Conventional Financing.

The Incredible… Hard Money Loan

A local Mortgage Broker reached out to us about a client investor of hers who she couldn’t quite fit into loan approval bracket for conventional financing.

She was trying to purchase a rental in Petaluma which needed work – thus the loan qualification difficulties. We can do this loan!

We financed her with a short-term loan of $540,000 at a 59% loan to value.  Everyone was happy when the entire transaction completed in just 17 days – from start to finish!

We work with many loan Brokers and Realtors, as well as Borrowers, who want to take advantage of the many benefits of Hard Money.

Email us back or call today (707) 523-2099 with your questions or scenarios.

Insurance Tips and Pitfalls

Househands If You Lived Through The Devastation Of The North Bay Fires Last October, You Are Painfully Aware That Your Insurance Premiums Are Much More Than A Necessary Evil.  Each Homeowner Has Experienced Their Own Heart-Breaking Story Of The Fire. Some Have Found That Their Insurance Company Was A Supportive And Helpful Advocate, While Others Have Experienced A Nightmare Dealing With Insurance Issues.  But It Doesn’t Necessarily Take A Major Disaster, Like A Fire, To Find Yourself With Insurance Woes.

If you lived through the devastation of the North Bay fires last October, you are painfully aware that your insurance premiums are much more than a necessary evil.  Each homeowner has experienced their own heart-breaking story of the fire. Some have found that their insurance company was a supportive and helpful advocate, while others have experienced a nightmare dealing with insurance issues.  But it doesn’t necessarily take a major disaster, like a fire, to find yourself with insurance woes.

It is imperative to stay in the good graces of your insurance company.  Performing regular maintenance, like clearing overhanging tree branches and checking for roofing problems, can help keep claims at a minimum.  An insurer considers one claim in nine or ten years as average, more than that and you are considered a risk.

Recently, there was an article in Realtor.com listing several reasons you could be dropped by your insurance firm, leaving you with unprotected property.  Knowing these, so you can be more at cause and not be caught off-guard, is smart:

  • An old roof
  • Too many claims
  • Insurer decides not to cover your area or state
  • Pets

It is equally important to complete a yearly policy check- up making sure you have enough coverage. The insurance lessons learned by the fire and flood victims of 2017 need not be repeated.

Give us a call (707) 523-2099, and learn about how our alternative financing programs can help your next Real Estate purchase!

How To Maximize The Profit From The Sale Of Your Home

Valueofofyourhome Selling Your Home Can Prove To Be Either A Smooth Or Bumpy Process With Varying Rewards.  Two Keys To Ensure That Your Efforts Yield The Highest Price Possible Are:

Selling your home can prove to be either a smooth or bumpy process with varying rewards.  Two keys to ensure that your efforts yield the highest price possible are:

  • Price it a little low:  Statistically, it has been proven that property priced below Market Value encourages significantly more interest and higher selling prices than those priced above Market Value.  When examining this concept, it becomes clear that it is better to have multiple buyers fighting with each other over your home, than for you to be fighting with one buyer over the price.  Realtor.com advises: “Aim to price your property at or just below the going rate. Today’s buyers are highly informed, so if they sense they’re getting a deal, they’re likely to bid up a property that’s slightly underpriced, especially in areas with low inventory.” 
  • Use a Real Estate Professional:  Sellers may think they can improve their profit if they don’t pay a real estate commission,. But studies have shown that homes typically sell for more money when handled by a real estate professional.  Sales in 2017 suggest that the average price was almost 6% lower for FSBO sales of similar properties.

The “Take-Away” from this article:  To maximize the profit from the sale of your home, price your house at or slightly below the current market value and hire a professional.

Interested in alternative financing or private lending for your next home purchase? Give us a call today (707) 523-2099!

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