Loan of the Month – Helping People Makes Me Smile.

November 30, 2017 Owner

Jpeg Helping People Makes Me Smile.

Helping People Makes Me Smile.

We have been offering Hard Money Loans for almost 30 years now, and it still makes me happy to do what I do.

Earlier this month, a Homebuyer called in, looking for a quick loan on a home she wanted to purchase in San Diego.

She had contacted several other Hard Money Lenders, but because it was an owner-occupied purchase, she was not able to find a willing lender who could get her $455,000.

My office has a program for primary residence loans, and within 8 days, her loan was funded!

This transaction highlights one of our notable capabilities: Fast closings.

Call us today at 707-523-2099 for fast, professional and expert Hard Money services.

How To Say Goodbye To Your Home

November 21, 2017 Owner

1 1 Since The Sonoma And Napa Fires We Have Been Forced To Think About Saying “Goodbye” To Many Things, Not The Least Of Which Is Our Home. Those Who Are Fortunate Enough To Sell Their Home To A Willing Buyer, May Also Experience A Great Sense Of Loss. Our Home Is The Place Where We Find Comfort And Security, And Where We Have Made Hundreds Of Memories Over The Years We Have Lived There.

Since the Sonoma and Napa fires we have been forced to think about saying “Goodbye” to many things, not the least of which is our home. Those who are fortunate enough to sell their home to a willing buyer, may also experience a great sense of loss. Our home is the place where we find comfort and security, and where we have made hundreds of memories over the years we have lived there.

So how might we say “Farewell, dear friend” to the four walls that have seen so much of our lives…our laughter, our tears, our sorrows and our happiness? The following are just a few suggestions gleaned from some military families who have learned to leave their homes over and over when duty calls.

One family said it helps to visit each room together sharing a special memory associated with that space. As you leave each room, say “Goodbye, room” and move on to the next.

Another helpful ritual is to take a photo of the house that you are leaving to help remember the years spent in that home. Even better is videotaping each room before you move.

And, lastly, rather than leaving behind gorgeous plants and fruit trees that you’ve spent years nurturing, take seeds with you as a way to carry your old home to your new home.

If you need help finding the financing for your next home and do not qualify for a conventional loan, give us a call at 707-523-2099

We Are Thankful For Being Able To Help Others With Our Loans

November 16, 2017 Owner

A Recent Hard Money Borrower Sent Us The Following:

“I wanted to thank you for your help in saving our home.

“Sun Pacific Mortgage and their hard money Lenders/Investors allowed us to save our home with a temporary hard money loan. After going through a difficult financial time, we fell behind on our mortgage which prevented us from securing a conventional mortgage. We were on the verge of making the difficult choice of selling our home or foreclosing, before contacting Sun Pacific Mortgage.

“The mortgage brokered by Sun Pacific Mortgage helped us save our home, which gave us time to clean up our credit.

“In addition, our Investor/Lender was flexible in extending our loan several months while we secured a conventional loan. It was a win-win for everyone!

“After a two-year process, we are closing on a conventional refinance today!

“My family and I are eternally grateful for your service and the role Sun Pacific played in saving our home.

“Thank you again!” – Happy Borrower, D.B.

Don’t hesitate to call us at (707) 523-2099

Are You Asking “Should I Buy or Rent?”

November 9, 2017 Owner

1 It Is Surprising That Even With The Sustained Rise In Home Prices Over The Last Couple Of Years, Buying A Home Can Be Noticeably Less Expensive Than Renting One In The Bay Area.

It is surprising that even with the sustained rise in home prices over the last couple of years, buying a home can be noticeably less expensive than renting one in the Bay Area.

There was a recent study done that determined buying is 13% cheaper than renting a comparable home in the San Francisco Marin, and San Mateo counties. It jumps to 24% when you consider areas such as the Oakland area, which includes Alameda and Contra Costa counties.

Trulia does not see this picture changing significantly any time soon. They predict a possible 2% decrease in the San Francisco housing market and 5.5% in the Oakland market.

But homeownership is much more than a comparison of mortgages vs. rents. In a study done by the California Association of Realtors, close to 75% of renters ranked homeownership as “important”. Out of the group of renters surveyed, 44% said they were renting for financial reasons. They regret the lack of equity building and the uncertainty of their monthly rental budget.

If you would like to cross over from “Renter” to “Owner”, but find yourself renting because you have credit issues, Sun Pacific Mortgage is here for you. Our investors are more concerned with your ability to make your payments and the value of the property than in a credit score number, unlike traditional lending institutions.

If you would like to change your status from “Renter” to “Owner”, give us a call at 707-523-2099.

As We Rise From The Ashes

November 6, 2017 Owner

Fk As We All Begin To Emerge Out Of The Smoke And Ashes To A New Reality, We Are Faced With Numerous, Difficult Hurdles. Rebuilding Or Finding A New Home Is One Of The Major Issues Faced By So Many Today.

As we all begin to emerge out of the smoke and ashes to a new reality, we are faced with numerous, difficult hurdles. Rebuilding or finding a new home is one of the major issues faced by so many today.

At Sun Pacific Mortgage we are standing ready to help with any of your financing problems. We have already been contacted by several of our past borrowers, as well as new clients, to start the loan process on replacement homes. These clients need a fast response and faster cash to secure homes that they are fortunate enough to find. We are known for our ability to provide financing as soon as one week depending on how quickly we are provided the necessary documents.

If you need a trusted partner in this journey toward the “new normal”, give us a call and we will be pleased to provide you with the financial means to establish your “new beginning”.

We Won’t Leave You Hanging!

October 26, 2017 Owner

Halloween We Wont Leave You Hanging 2 Our “Not-Normal Loans”, Also Known As Hard Money, Have Just 2 Main Qualifications And You Can Get Your Money Fast:

Our “not-normal loans”, also known as Hard Money, have just 2 main qualifications and you can get your money fast:

Decent existing equity or at least 25% down payment.
An ability to repay the loan (source of income).

Our fastest loan funding was in 3 days – we get many loans approved and funded in less than 2 weeks. We don’t leave you hanging, wondering if you will ever get the loan you need!

We are here to help you, a client or someone you know with our lending programs. Call us today at 707-523-2099.

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

Recently Funded Not-Normal Loans:

Santa Rosa, California (Sonoma County)
Loan Amount: $768,000
Loan Program: Bridge loan
Loan To Value: 78%
Days To Fund: 12 days
Why Turned Down Elsewhere: Needed a fast loan

Orangevale, California (Sacramento County)
Loan Amount: $395,000
Loan Program: Owner Occupied Business Purpose
Loan To Value: 65%
Days To Fund: 19 days
Why Turned Down Elsewhere: Bankruptcy

Santa Rosa, California (Sonoma County)
Loan Amount: $560,000
Loan Program: Investment Property Purchase
Loan To Value: 60%
Days To Fund: 8 days
Why Turned Down Elsewhere: FICO issues

South Lake Tahoe, California (El Dorado County)
Loan Amount: $551,000
Loan Program: Owner Occupied Temporary
Loan To Value: 64%
Days To Fund: 14 days
Why Turned Down Elsewhere: Property condition

Vallejo, California (Solano County)
Loan Amount: $420,000
Loan Program: Investment Property Refinance
Loan To Value: 56%
Days To Fund: 24 days
Why Turned Down Elsewhere: Short sale

CALL TODAY, The Guys in the White Hats at

707-523-2099

Hometown Superheroes Bulletin #3

October 18, 2017 Owner

“Force Yourself To Smile And You’ll Soon Stop Frowning.”

There are many things we can all be thankful for at this time and a lot of rebuilding to get started on, so it is time to get back to work.

If we can be of service with our fast real estate financing options, please reach out and let us know!

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

Super Heroes Alert:

● “Operation BBQ” put on by Guy Fieri at the SR Vets Memorial Building. Our very own Milton Close from Pinnacle Capital was there, helping to serve needed food to thousands!!

● Our company is helping a local Realtor who has home buyers that wanted to put a FOR SURE TO BE ACCEPTED offer in on a new home as their house burned down in the Fountaingrove fire. We got right onto it, got loan approval and their offer was approved! They can close and be in the new house in 2 weeks. Smart Realtor!!

● Our firefighters have made record flight hours and record retardant drops on our fires. They are working hard to kick the fires butt!

● Vineyard Dental on Sonoma Ave is open and letting anyone who needs Wifi and office space, use theirs. Go on in!

Hometown Superheroes Bulletin #2

October 17, 2017 Owner

LET’S GET BACK TO DOING THE USUAL

NOTE: Please share with us any heroes you have personally observed, been thankful for or have been inspired by. We will then share it with everyone.

Super Hero Alert:

● David Reyes, his son Luis Reyes (property owners and customers of ours from Hayward, CA) just personally bought and delivered 40 whole chicken dinners, 12 pizzas to the SR Veterans building for those that need it!!!! Super Heroes!!!!

● Yesterday we started making an effort to Do the Usual. Get the loans done! Lo and behold the County Recorder opened their doors and started recording transactions yesterday! We were able to record a local transaction that HAD to be done by Friday. We all came in early this morning and just received a delivery of a closing check. Pays to be early! We expect several others by Friday!!!! We’re feeling a little more normal.

● Tracy Escher at First American Title in Sebastopol is the only one manning that office! She’s working her tush off – she’s a machine! And getting it done!! Thank You Tracy!!

● Adel’s Restaurant on the corner of Mendocino Ave and College: Broker drove around for 40 minutes looking for a breakfast place. He happened by Adel’s which was open at 6:15am! A welcome sight. They weren’t open the day before, but gathered their group, and are now open at 6:00 am and closing LATE. They have 2 cooks and 3 waiters and 1 clean-up person.

● A clerk at Target, as we were checking out some clothes for the grandkids, listened to our granddaughter tell her story of losing her house and immediately asked another clerk helping to “go and get 2 pumpkins”. They gave the kids 2 large pumpkins so they had something for Halloween. It was sooooo lovely and cute. There were a lot of workers at Target the day the fires struck Santa Rosa!! So surprising. Starbucks at Target was also buzzing with business.

● Looks like a lot of the big stores are allowing RVs to park and stay. Very nice!

Heroes Among Us

October 11, 2017 Owner

Heroes Among Us – Production Is The Basis Of Morale

We are back at work full time to help get the job done. We know that getting back to work and producing makes one feel better. Must admit, this has all been difficult! We were struck by tragedy, (Broker-top producer and Loan Originator -head of Marketing lost their home to the fire). Nothing was open for business and then we were evacuated from our home. We needed some Heroes!
Here are some of our personal heroes who helped us get it together:

● To the many men and women firefighters and police from multiple counties as well as armed forces who have come to Sonoma County to selflessly help fight these wildfires.

● Monday evening there was no place to eat, all the restaurants were closed. We found Outback Steakhouse in Rohnert Park open with just 1 waiter who had decided to come in on his day off and help serve those he knew would be in need. He was smiling and so were we!

● For a while we could not find a grocery store that was open. We finally discovered Safeway on 4th Street open. We were told by the wonderful clerks who decided to work that the Manager’s house burned down and at 2:00 am he brought his wife and kids to the store. He then called as many clerks in as would come and opened up for the crowd outside in the parking lot. Many Heroes there!

● Tuesday morning we needed a place to eat for breakfast. We finally found IHOP open, with only 1 cook, who had decided to come in and help, despite the loss and devastation of the fire.

Again, we are open and working to keep getting loans funded and escrows closed.

To Our Home Town Heroes – Thank You!!!!

Hi-Ho Hard Money

October 3, 2017 Owner

One of the marks of an expert Realtor or Lender is familiarity with all types of home loan programs. This includes “not-normal-financing”, also known as Hard Money. These programs might enable you to bring that better offer to a Seller, or to be the best Agent for your client.

We can help with these! Call us today at 707-523-2099.

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

Not-Normal Loans Recently Funded By Us:

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