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We Are Dying To Get Your Loan Done FAST!

Were Dying To Get Your Loan Funded Fast

The average time for cash-in-hand with our Hard Money loans is 16 days.  Read below to see some examples of recently funded loans through our office – all done fast!

Many Realtors and other Brokers come to us, so they can help get their Home Buyers and Borrowers the needed financing quickly.  Such speed allows for stronger purchase offers with short loan contingencies; Borrowers can rapidly refinance, do their debt consolidation, fix up their property and more.

Call Today at (707) 523-2099 to find out just how fast we can get your scenario done!

Recently Funded!

We Finance Single Family Houses, Condos, Principal Residences

+ Multi-Family Units, Commercial & Office

$1,750,000 – Saint Helena, Napa County
Business Purpose Refinance
63% Loan to value
7 Days to Fund!

$453,000 – Cotati, Sonoma County
Temporary Purchase Loan
63% Loan to value
13 Days to Fund!

$2,339,000 – Coto De Caza, Orange County
Temporary Refinance
50% Loan to value
8 Days to Fund!

$335,000 – Rohnert Park, Sonoma County
Temporary Refinance
65% Loan to value
15 Days to Fund!

Investment Property/Non-Owner-Occupied Loans

Investment Property Non Owner Occupied Loans

Looking for ways to protect their financial security, many homeowners are investing their money in second homes, or are refinancing existing loans on rental property to upgrade them.   Whether they are looking for another source of income, or they need to improve their existing rental property, they recognize that real estate has proven to be a profitable and long-term financial shelter.  

But what if you do not qualify for a conventional loan from a bank or other lending institution?  All is not lost…that is where a Hard Money Home Loan can provide the answer.

What do you need for a hard money loan from Sun Pacific Mortgage?  There are two main qualifications for a rental property loan:

  1. Equity or a decent down payment
  2. An ability to repay the loan

What are some other characteristics of an investment property loan with us?

  1. California real estate only
  2. We go up to $2 million+ loan size
  3. FICO score is not a factor
  4. Up to 70% LTV (loan-to-value)
  5. Fast funding

In the 30 years we have been in business, we have financed multitudes of investment property loans for a variety of issues:  Needed fast funding, discharged bankruptcies, more than one foreclosure, and less than pristine property. We make it our business to offer a second chance to earnest and honest borrowers.  

Start on your journey to financial independence by investigating the possibility of a hard money loan on rental property with Sun Pacific Mortgage.  We welcome all questions and scenarios to help inform you of “The Possible”.

Call us at 707-523-2099!

Don’t Freak Out And Lose Your Heads!

Dont Lose Your Head Over Hard Money Loans

Don’t freak out over that declined loan!  Let us help you like we were able to do for a local realtor and his real estate investor:

They had just found out the investor had been disapproved for his traditional loan – 10 days before he was supposed to close!  Instead of losing his head, the realtor reached out to us for some help with our fast Hard Money programs.

A loan of $453,000 was needed for no more than 12 months.  This would not only save the Buyer’s earnest deposit but would also rescue his deal.  In just 7 days we had this loan approved and money in hand!

Don’t lose your head over a declined loan!  Call today at 707-523-2099 so we can help get that loan approved and funded.

Why Invest in Non-Owner-Occupied Home Loans

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?

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!

Why Should I Sell My Home This Fall?

Autumn Home For Sale

There are probably a myriad of reasons to sell this Fall, but let’s look at just a few:

For starters, Buyer demand is still strong.  While the mad, competitive scene has waned (thankfully!), last month listings averaged only 29 days on the market according to NAR.  Although the housing inventory is still less than 6 months (which is considered “normal”), it appears that we are slowly moving toward normalcy in the real estate market. This means we will no longer be in a buyers’ market (like 2007-Feb.2012) or a sellers’ market (like Mar.2012-present).  The experts see the housing market returning to a healthier state for seller and buyer by the end of next year.

What about pricing?  According to Core Logic, housing prices are expected to rise 5.1% next year.  As a result, if you wait, you will end up paying more for a down payment, and your mortgage payments may likely increase.   Because of the persistent inventory shortage, prices should continue to rise to above-normal levels for the next year. On the bright side, both existing and new construction permits have increased over the past two months, and these factors will help make a more balanced market in the future.

If you do not qualify for a conventional loan this Fall, Sun Pacific Mortgage is here with a lending program for you.  Whether you need a bridge loan to help with a new purchase before your present home sells, or you just want a hard money 1st, we will find a satisfactory solution for you.  Give us a call at 707-523-2099 and see what we can do for you!

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

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?

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

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

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!

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