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What We Do

  • Helping those turned down elsewhere for home mortgages.
  • Only company offering Alt-A Hard Money loans for those just shy of qualifying for a conventional or bank loan. Lower rates at 6%-8%.
  • FAST alternative financing loans (bad or poor credit, difficult-to-prove income, need fast cash, property a fixer, etc. – no problem for our Hard Money loans!).
  • Regularly providing available Deeds of Trusts for Private Investors’ high-return investments.

Who We Are

We are a family owned and operated, local Sonoma County business.  We started in January of 1988 and primarily serviced Northern California but since 2010 are widely serving the state of California with our alternative financing, also known as hard money and private money loans.

We are licensed for the state of California and are members of the (BRE) CA Bureau of Realtors Association and the (NMLS) Nationwide Mortgage Licensing System.

We formed this company with the ideal of helping people get quality real estate financing and helping those who were turned down elsewhere.  And this ideal has expanded to offering good real estate investment opportunities to private investors, interested in making higher returns on safer investments.  Our purpose has always been to educate Borrowers, Buyers and Investors so they can make informed decisions.

We have a lot of experience in the real estate and lending/mortgage markets. In keeping with our ideal of helping you as a Borrower, Buyer and an Investor, we constantly keep up on changing regulations, updated education, etc.etc.

Loan Origination Made Easy:

With the fluctuating market, many lenders are creatively packaging home loan programs, which although innovative, are often complex.  Here at Sun Pacific Mortgage, we can take the guesswork out of your real estate purchase or refinance.

For fast cash without decent credit scores, we can get you a Hard Money loan (also known as Private Money) from one of their many Investors.  If you have any problem with some property, credit problems or problems verifying income but you have some equity, then this Private Money loan is just for you.

And any borrower who has good credit, good property in good condition and just missed qualifying for a bank or other conventional loan, Sun Pacific Mortgage offers the lower-rate Alt-A Hard Money loan program.

Call now for free consultation and pre-qualification at (707) 523-2099 or fill out the form below and we will reach out to you.

We can also help do refinances. With our guidance you will get the right program that fits your special needs, whether it be debt consultation, lower rate and term, or home improvement.  We recognize that assisting you in getting that loan program which best accommodates your financing needs, can be as equally as important as finding that special house.

Got a Question?

Do you have a question? We can help. Simply fill out the form below and we’ll contact you with an answer, and no obligation to you. We guarantee your privacy.

    (Your information will not be given out or sold. Only someone from our family company will review your email and be in touch soon. We hope to be able to help!)

    * We ONLY Offer Loans for Real Estate.
    * Our Lenders do NOT finance mobile homes. Any manufactured house MUST be on a permanent foundation for us to consider financing it.
    * Minimum loan amount starts at $150,000.
    * ARV/Future Value Financing not available

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    Your Phone Number (Required - For only us to call and answer your questions)

    Are you trying to get a loan for (Required):

    Is your desired loan above $150,000 (Required - Minimum loan size our Lenders will consider is $150,000):

    What loan amount are you looking for? (Required - Enter a dollar amount.)

    Are you inquiring about a loan for (Required):

    What is the purchase price? (Required - Enter a dollar amount.)

    What is the estimated value of your home? (Required - Enter a dollar amount.)

    Please confirm this loan request will be against real estate - We do not offer personal loan financing (Required).

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