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Trusted Lender For 35 years

Trustedhardmoneylender Are You, A Friend Or Family Member Being Turned Down For A Needed Home Loan? Or You Just Need A Fast, Short Term Bridge Loan?Are you, a friend or family member being turned down for a needed home loan? Or you just need a fast, short term bridge loan?

This is where we could help, with our fast, flexible alternative finance programs – also known as Private Money – just like we did below:

Recently Funded

Program: Owner-Occupied Bridge Purchase
Loan Size: $686,000
Location: Sonoma County
Why Came To Us: Wanted to buy a new home prior to selling current house but debt to income ratios were inhibiting conventional lenders from helping. Not problem for us!


Program: Primary Residence Refinance
Loan Size: $990,000
Location: Contra Costa County
Why Came To Us: Borrower needed to pull cash out of their free & clear property so they could get the needed down payment for an investment purchase.


Program: Investment Property Purchase
Loan Size: $705,000
Location:  Monterey County
Why Came To Us: Property condition poor so unable to get financing elsewhere. Borrower just wanted to fix up property and sell it for better return.

 

Being in business for 35 years has allowed us to pretty much see it all! Call us at 707-523-2099 or visit our website www.sunpacificmortgage.com with any questions, and we’ll get back to you quickly with what we can do to help you, a friend or family member.

Need Trusted, Flexible Financing?

Untitled Are You Running Into Stops Or Difficulties Getting Home Financing Approval? You Won’t Have These Stops With Us!

Are you running into stops or difficulties getting home financing approval? You won’t have these stops with us!

At our family owned and operated company, we have helped well over 10,000 Buyers & Borrowers with our trusted and fast Private Money Programs – just like below:

Loan of the Week

Program: Investment Purchase
Loan Size: $720,000
Loan to value: 44%
Location: Sonoma County
Why Came To Us:  Conventional financing institution turned down this Borrower at the last minute, due to debt-to-income ratio being too high.  Escrow was supposed to close in just 12 days, but a loan was still needed.  We got right to it with our flexible Private Money programs, resulting in the needed loan with a very happy Borrower because Escrow successfully closed on time!

Call Us at 707-523-2099 or visit our website at www.sunpacificmortgage.com to see how we can help you, a family or a friend!

 

Charging Into Fall With Smoother Transactions

Atv Promo Copy Let Us Help You Or Someone You Know This Fall Season Get On The Right Path With Our Fast Private Money Real Estate Loan Programs, Just As We Did Below:The Guys In The White Hats Can Get That Loan Done!

Let us help you or someone you know this Fall season get on the right path with our FAST Private Money Real Estate Loan Programs, just as we did below:

Recently Funded

Program: Primary Residence Purchase
Loan Size: $1,250,000
Location: San Mateo County
Why Came To Us: Wanted a fast close and the next best thing to an all-cash offer, so they could win over the other multiple counter-offers.


Program: Investment Property Refinance
Loan Size: $705,000
Location: Sacramento County
Why Came To Us: Business bankruptcy on record still.


Program: Primary Residence Refinance Business Purpose
Loan Size: $800,000
Location: San Louis Obispo County
Why Came To Us: Borrower had low credit so wanted to consolidate all his business debt on high rate credit cards and improve his scene.

Here at Sun Pacific Mortgage, we have worked with many Borrowers getting them our fast & unique Private Money financing. Give us a call at 707-523-2099 or visit our website www.sunpacificmortgage.com with any questions or scenarios. We’ll quickly answer with what we can do to get your transaction on the right path to completion!

Smooth Lending Transactions Here

Sailboat Edit Copy Getting Approval For A Home Loan Or Refinance Does Not Have To Be A Bumpy Ride! Our Private Money Lending Programs Can Finance Big Loans Fast – Even When Turned Down Elsewhere.  Let Us Help You Or Someone You Know Before This Summer Ends Like We Did Below:Getting approval for a home loan or refinance does not have to be a bumpy ride! Our Private Money lending programs can finance BIG loans FAST – even when turned down elsewhere.  Let us help you or someone you know before this summer ends like we did below:

Loan of the Week

Program: Investment Property Purchase
Loan Size: $732,000
Location: Monterey County
Days to Fund: 13 days
Why Came To Us: A Loan Originator brought us his borrower, who was in contract to buy an investment property. He had a good down payment, but since he was self-employed, he was having a problem proving enough income and keeping his debt-to-income ratio low enough for conventional financing. This is where our Private Money loans became the solution!

 

If you’re having difficulty proving income or turned down at the last minute by your local lender, we have a solution:  Our Private Money loan programs make it smooth sailing to get your real estate transaction funded quickly! Give us a call at 707-523-2099 with your questions or scenarios you may have, or visit our website at www.sunpacificmortgage.com.

Why Invest in California Trust Deeds?

2022 05 Msr 1 The Short Answer To That Question Is Wouldn’t You Want Your Investment Money To Gain Upwards Of 12% Or More Interest? There Are Very Few Stocks Or Bonds These Days Paying Such Handsome Interest.The short answer to that question is wouldn’t you want your investment money to gain upwards of 12% or more interest? There are very few stocks or bonds these days paying such handsome interest.

What are trust deeds? Trust deeds (mortgages) are investments in a loan, secured by real estate, directly to the borrower. Rather than putting your money in a bank and having the bank make the real estate loan, private investors actually make the loan directly. The trust deed investment business is huge in California.

There are two ways to invest in trust deeds: One is through a mortgage fund (like a mutual fund), the other is by investing directly in trust deeds through a licensed mortgage broker.

With a hard-money mortgage fund, also known as private money, you are investing with many other shareholders in real estate for which you do not need to be directly responsible.  Sounds good, right? Except, that just about every hard money mortgage fund in history has failed horribly during the regular real estate crashes that seem to hit every ten to fourteen years.

Sun Pacific Mortgage has been in the trust deed business in California for over 35 years. Our investors finance trust deeds directly through a legitimate mortgage broker. In this case, once the borrower and property are vetted and equity determined, the investor is directly lending to the actual borrower on a specific piece of property.

Then you make the monthly return on investment as the borrower makes their payments.  If you are interested in participating in such an investment, reach out to Sun Pacific Mortgage via their website at www.Sunpacificmortgage.com or by phone at 707-523-2099 to find out more.

Making Waves With The Guys In The White Hats – Fast Home Loans

Waterskiing Copy We Continue To “Make Waves” By Approving And Funding Loans Fast! After 35 Years Of Private Lending, We’re Pretty Much Experts At Providing You With Fast Loans, Just As We Did Below:

We continue to “make waves” by approving and funding loans FAST! After 35 years of Private Lending, we’re pretty much experts at providing you with FAST loans, just as we did below:

Recently Funded

Program: Primary Residence Bridge Purchase
Loan Size: $714,000
Location: San Diego County
Why Came To Us: Borrower needed quick financing to keep his purchase from falling out of Escrow, after being turned down at the last minute due credit issues.


 

Program: Investment Property Purchase
Loan Size: $2,300,000
Location: Santa Clara County
Why Came To Us: Borrower had bankruptcy on record but didn’t want to miss out on this great property as an investment opportunity.


 

Program: Primary Residence Bridge Financing
Loan Size: $815,000
Location: Los Angeles County
Why Came To Us: Borrowers debt to income ratios too high for multiple mortgages but they had great equity in their current home, to get the needed cash to buy their new home before they moved out & sold their current house.

Let’s make some waves by getting your loan funded –  and fast!  Give us a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com with any questions or scenarios and we’ll quickly answer with what we can do to help.

Roping In That Loan Size & Speed Ya Need!

Bull Wrangling Get Your Ropes Around That Stubborn Loan By Taking Advantage Of Our Private Money Programs.  With Funding Options Over 2 Million, After 35 Years We Still Have Not Run Out Of Money And Are Ready To Quickly Work With You To Get Your Real Estate Loan Funded - Just Like We Did Below:Get your ropes around that stubborn loan by taking advantage of our Private Money Programs.  With funding options over 2 million, after 35 years we still have not run out of money and are ready to quickly work with you to get your real estate loan funded – just like we did below:

Recently Funded

Program: Owner-Occupied Purchase
Loan Size: 1.72 million
Location: Contra Costa County
Why Came To Us: Self employed with difficult to prove income.

Program: Business Purpose Refinance
Loan Size: 780k
Location: Sacramento County
Why Came To Us: Wanted to do debt consolidation on business debt & on high interest rate credit cards to repair FICO.Program: Investment Property Refinance
Loan Size: 950k
Location: Alameda County
Why Came To Us: Debt to income ratio higher as Borrower owned multiple properties and flipped houses.

We work many Borrowers to help get the refinance or purchase financing they need – FAST – and despite being turned down by their Local Lender.  Visit our website at www.sunpacificmortgage.com or give us a call at 707-523-2099 with your scenario to see how we can help you or someone you know wrangle up that needed loan!

BIG And FAST With Our Private Money Loans!

Wild Ride Getting Financing Turned Down At The Last Minute Or Loan Taking Too Long? End The Wild Ride And Get Financed With One Of Our Direct Private Money Programs.

Turned down at the last minute or loan taking too long? End the wild ride and get financed with one of our Direct Private Money Programs.

So how our Private Money loans can help you or someone you know just like was done below:

Recently Funded

Program: Investment Property Cash-Out
Loan Size: 885k
Location: Los Angeles County
Why Came To Us: Difficult to prove income as self-employed

Program: Investment Property Purchase
Loan Size: 804k
Location: Marin County
Why Came To Us: Recent divorce created debt and credit issues that the borrower wanted to consolidate so could repair both.

Program: Owner-Occupied Refinance Business Purpose
Loan Size: 625k
Location: Sacramento County
Why Came To Us: Business loan coming due and still had FICO issues to handle before qualifying for conventional financing.

If you or someone you know needs fast financing or you’re having difficulty proving income or otherwise turned down, we have the answer! Visit our website at www.sunpacificmortgage.com us at 707-523-2099 and we will get back to you with how we can help.

Successful Financing Options – Loan of the Week!

Surfing Ka Copy Why Not Take Advantage Of Our Private Money Benefits For You Or Someone You Know:
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Let’s Ride the JUMBO Wave Together

Why not take advantage of our Private Money benefits for you or someone you know:

  • Jumbo financing
  • FAST Approvals and FAST Fundings!
  • We Work with Brokers & Lenders
  • 35 Years as a Direct Lender – lots of experience!

Loan of the Week

Program: Multi-Family Investment Refinance
Loan Size: 1.45 million
Location: Santa Cruz County
Why Came To Us: Mortgage Broker brought us her Borrower who was looking to refinance some rentals. Borrower didn’t qualify for conventional financing due to high debt-to-income ratios and low credit, and this refinance was to fix both issues. With a loan to value of 48% we quickly had loan approval for this Jumbo loan.  Borrower was very happy with cash in hand and Broker relieved they could close another transaction with a grateful client!

If you or someone you know is in need of such services, visit our website www.sunpacificmortgage.com or call us at 707-523-2099. We have worked with many Borrowers who ride our private money jumbo waves, resulting in them getting the financing they needed.

Fast and Big Financing – We’ve Got Your Back!

Planes Edit2 Copy We’ll Help You Or Someone You Know Go Big And Fast For Your Refinances Or Purchases With A Fast Private Money Jumbo Loan!

Lending FAST and Lending BIG!

We’ll help you or someone you know go big and fast for your refinances or purchases with a fast private money jumbo loan!

  • Fast Closes: 10 days or less
  • Turned Down Elsewhere – We Can Help
  • Trusted by over 10,000 Borrowers
  • Family Owned & Operated for 35 years

Recently Funded

Program: Business Purpose Refinance
Loan Size: 1.4 million
Location: Contra Costa County
Why Came To Us: Borrower was self-employed with difficult to prove income, and wanted to pull cash out of equity from a property, for needed fast company capital.

Program: Primary Residence Bridge Loan
Loan Size: 733k
Location: El Dorado County
Why Came To Us: Debt to income ratios high so couldn’t get a conventional loan. Wanted to buy another home before selling their current house.

Program: Primary Residence Purchase
Loan Size: 890k
Location: San Bernardino County
Why Came To Us: Wanted FAST financing to rescue their new home purchase, as their loan was turned down just 2 weeks prior to close of Escrow.

Call 707-523-2099 with your questions or scenarios – we’ll quickly reply back with how we can help you or someone you know.

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