Need Fast Loan Rescuing?

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Carrying on the 3 decade legacy of our family owned and operated Private Money Lending Company.

  • Get FAST Loans
  • Family Owned and Operated
  • Credit Problems OK
  • Jumbo Loans Provided

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Call Us now at 707-523-2099 or email back any questions or scenarios.  We will quickly let you know how we can help!

Best, Ken – The Guys in the White Hats

Where Are All the Houses for Sale?

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In today’s market it is harder than ever to find a home to buy.  Even before the health crisis there was a shortage of homes on the market, but when the stay-at-home order was imposed, many prospective sellers decided to wait which resulted in making a bad situation even worse.  Experts agree that this is the biggest challenge facing an otherwise hot market.  Danielle Hale, Chief Economist at explains it this way:

“With buyers active in the market and seller participation lagging, homes are selling quickly and the total number available for sale at any point in time continues to drop lower.  In January as a whole, the number of for sale homes dropped below 600,000 [total US].”

While this may be the “state of the union”, it is only amplified in California.  In fact, many homes are simply selling faster than they’re being counted as current inventory.  It is somewhat reminiscent of last spring when toilet paper was flying off the shelves faster than it could be restocked.

Hale goes on to say:

“Time on the market was 10 days faster than last year meaning that buyers still have to make decisions quickly in order to be successful.”

While some California home sellers will feel comfortable listing their homes in the first half of 2021, others may want to wait until the vaccine is more widely distributed.  With this mindset, if you want your home to shine, you may want to get it on the market earlier rather than later in the year.

Sellers want to sell as quickly as possible, for the best price, and with little to no hassle.  If this describes your hoped-for selling experience, today’s market is the right time.  When demand is high, and inventory is low, you have the optimal climate for a successful sale.

If you are needing a fast bridge loan to make your real estate dream a reality anywhere in California, consider calling Sun Pacific Mortgage at 707-523-2099.  We offer a program that solves the problem and can be solved in record time, sometimes in less than 5 days!  This could make the difference between competing in today’s market or sitting on the sidelines.

The Legacy Continues – Helping Home Buyers

Carrying on the Legacy

Carrying on the legacy of 33+ years of private money lending:

  • Credit Problems Okay!
  • FAST Financing!
  • Jumbo Loans Provided!
  • Trusted By Over 10,000 Borrowers!

Loan of the Week

A Home Buyer was referred to us by his Realtor and conventional Lender in San Mateo County.  There was a credit problem that required a few more months of handling before this particular Buyer could qualify for a conventional loan.

So, they came to us for a short-term jumbo loan of 802,000.  Despite the size of loan, with a lower loan to value of 61%, we were able to quickly get the loan approved, funded and money to Escrow within just 7 days!

Call Us Today at 707-523-2099 or reply back here.  You’ll quickly hear back with a proposal as to what we can do for you!

Keeping All Your Home Buyers Happy

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While there is no better feeling as a California Realtor than helping a Home buyer find their perfect home, there is also no worse felling than to discover that they are not qualified for the mortgage needed to purchase their dream – after finding it.   That’s where a California Hard Money lender like Sun Pacific Mortgage can rescue your deal from a disastrous ending.

Having been in the private lending business for 33+ years, we have had the privilege of saving many a doomed transaction, sometimes right at the last moment!  If you have ever had one of your contracts run into a snag just before closing, you know how desperate this situation becomes.  Unfortunately, it is not that uncommon. Especially in ever popular Northern California counties such as Santa Clara, San Francisco, San Mateo, Sonoma County and Marin.

Another heart stopper as an agent today, is the deal that needs a super-fast close to make the offer more appealing in a multi-offer situation, and the lender is inundated with more business than they can handle.  Sun Pacific Mortgage has been known to save a sinking real estate transaction by getting the job done in as little as 2 days!

As a family-owned and operated business with hundreds of available private investors partnering with us, we can take care of business without all the time-consuming steps necessary for conventional lenders.  This has proven to be especially helpful since the new pandemic regulations that went into effect last March.

If you are not familiar with what a hard money lender can do for your business, give us a call at 707-523-2099 or consult our website at  I think you will find that a short-term solution to securing a mortgage with a little higher interest rate is a better option than abandoning the deal all together.  Your Home Buyer will thank you for turning them on to this life raft in the ever-limiting world of lending.

Why Borrow Private Money for Real Estate?

Stay Calm Amid the Storm

Borrowers have several options when looking for a mortgage.  But, if you have specific issues that make qualifying for a “normal” mortgage, there is one very suitable solution: private money or “hard money”.

Private lending exists for several reasons, among them consider the following:

  • Speed of Closing:  Conventional mortgages usually take between 45-90 days to fund because of the necessary paperwork and property examinations required.  Private money lenders can complete a transaction in 7-10 days because the property itself is the main criteria used to determine loan eligibility.
  • Easy Application Process:  Personal financial data has less effect on obtaining a private mortgage loan since it is mainly the property, or collateral, that is the basis for decisions in private lending.
  • Other Money Resources Are Not Available:  A borrower may not qualify for an institutional mortgage because of low credit scores, too much debt or the property itself is labeled “distressed”. With private money this isn’t the case.

Non-bank lenders are much like the original mortgage bankers – many are locally owned and family-run businesses, like Sun Pacific Mortgage in California.  Smaller lenders such as ours face fewer federal regulations and can still welcome borrowers with credit issues.  This type of originator is transforming the mortgage loan process and powering a more competitive market – which is much needed in today’s popular real estate market in top counties of California such as Sonoma, Napa, Marin, Santa Clara, San Mateo, etc.

If a fast alternative loan is what you are looking for, give Sun Pacific Mortgage a call at 707-523-2099 and discuss your situation with our experienced family staff.  We have helped thousands of borrowers over the past 33 years, and we are here for you today.

Why Cash-Out Refinances?

Why Cash Out Refinances

A recent report in Quarterly Refinance Statistics, which covered refinances through 2020, stated that the dollar amount of cash-out refinances was greater in 2020 than in recent years.

In another article published by Freddie Mac a report stated the following:

“Americans treated their homes like ATMs last year, withdrawing $157.7billion amid a cash-out refinancing spree not seen since before the 2008 financial crisis.”

This information should not raise horrible memories of the housing crash we experienced in 2008, though.  In this article the facts behind the 2020 refinancing phenomenon are vastly different from those of 2008 as listed below:

  1.  Americans are sitting on much more home equity today.  In 2006 the tappable equity (amount of equity available for homeowners to use and still have 20% equity left in their home) topped out at $4.6 trillion.  Today that number is $7.3 trillion.  This is the largest number of tappable equity ever recorded and includes an 18% increase since the end of 2019.
  2. Homeowners cashed-out a much smaller amount this time.  In 2006, Americans cashed out a total of $321 billion, equaling 7% of the total tappable equity in the country.  In 2020 the $153 billion that was cashed out represented only 2% of all tappable equity.
  3. Fewer homeowners tapped their equity in 2020 than in 2006.  Freddie Mac reports that 89% of refinances in 2006 were cash-out.  In 2020 that number was only 33%, leaving tappable equity in a better position.

Today’s cash-out refinance situation in no way resembles the situation of 2006 which preceded the housing crash.  Recently, the reasons for cash-out refinancing seen by our family company here at Sun Pacific Mortgage, have ranged from investing in rental properties, consolidating debt to improve one’s credit score, getting financing for business capital, and home improvements to name a few.

If you have substantial equity in your home, owner-occupied or investment property, give us a call at 707-523-2099 to discuss the wide range of programs available for short-term private financing.  Make your money work for you with a short term private money loan from us.

Direct Financing

We Can Get That Loan DONE!

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Our Private Money loan programs offer:

  • Quick Loan Approval
  • Faster Closes!
  • Difficult-to-prove-income OK
  • Credit Problems OK

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Contact us here, or give us a call at 707-523-2099 with any questions or scenarios and we’ll quickly respond with how we can help.

Sonoma County Real Estate Snapshot In March

Q4 2019 Sonoma and Napa Counties Real Estate Reports

Living in Sonoma County has proven to be more difficult over the last year due to the restrictions imposed, however, that has not stopped or slowed down the continued good health in the real estate market here!

The following data regarding single-family residences obtained from the county’s MLS will shine a light on just how “healthy” the market has managed to remain through all the other obstacles it faced:

  • Average sold price/square foot: $504 (+18% Year To Year)
  • Median price: $740,000
  • Average price:  $945,000

Individually, towns within Sonoma County have had some record-breaking numbers to mention:

  • Town of Sonoma:  $773psf (+55% YTY)
  • Sonoma coast: $836psf (+38% YTY)
  • Russian River area: $458psf (+31% YTY)
  • Petaluma West Side: $595psf (+29% YTY)
  • Northwest Santa Rosa: $441psf (+23% YTY)
  • Southwest Santa Rosa: $451psf (+23% YTY)
  • Cloverdale: $372psf (+22% YTY)
  • Southeast Santa Rosa: $423psf (+11%YTY)
  • Petaluma Eastside:  $442psf (+11%YTY)
  • Cotati/Rohnert Park: $390psf (+8%YTY)
  • Healdsburg: $757psf (+7%YTY)
  • Northeast Santa Rosa: $447psf (+6%YTY)
  • Sebastopol: $520psf (+4%YTY)
  • Oakmont: $377psf (-1%YTY)
  • Windsor: $331psf (-14%YTY)

It was certainly hard to predict last year at this time that the housing market would look like this today!  What will tomorrow bring to the market?  Stay tuned!

If you are looking to cash in on this hot market, but cannot qualify for a conventional loan, give Sun Pacific Mortgage a call at 707-523-2099 and find a program that may get you into your new home through private funding.  We offer financing for owner-occupied residences as well as non-owner occupied for over 3 decades now.

Is a Private Money Loan Right for You?

Is a Private Money Loan Right for You?

To properly answer this question, we must first identify the meaning of a “private money” and “hard money” loan.  In short, these terms are interchangeable and is a type of loan that is secured by real property.  They are generally short-term loans with the Lender being an individual or company rather than a bank.

These loans can raise money quickly but at a higher cost and use property as collateral.  The terms of these loans are based mainly on the value of the property, not the creditworthiness of the borrower.  Since banks do not make hard money loans, these types of loans are offered by private individuals that see the value in this type of venture.

The increased expense of a private money loan is a tradeoff for faster access to capital, a less stringent approval process, and flexibility in the repayment schedule.  They are typically used in turnaround situations, short-term financing, and by borrowers who need fast financing or with poor credit but substantial equity in their property.  They are frequently used to stave off foreclosure because they can be issued quickly and for those who are self-employed with difficult to prove income.

While many Private Money Brokers and Lenders are not participating in offering financing for owner-occupied properties, Sun Pacific Mortgage has continued to offer this program.  This is one of our most popular programs. We get many other Mortgage Brokers, Loan Originators and Realtors sending their Home Buyers and Borrowers to us for help.

If you are curious about the benefits of a private money loan for you, give us a call at 707-523-2099.  Or reach out to us directly through our website at

We are licensed in California and have borrowers from Eureka to San Diego and everywhere in between!  There is no need to come into our office.  We handle all transactions with phone calls and digital processes.

Need A Loan Rescue?

The Guys in the White Hats Can Get That Loan Done!

Loan of the Week – Get Approved When Others Say No!

  • FAST Approvals
  • Credit Problems Ok
  • Local Lender, Family owned & operated

Loan of the Week

A local Mortgage Broker in Sonoma County sent his Borrower’s loan to us, due to some credit issues that popped up at the last minute.

This Borrower needed 529,000 quickly to refinance his primary residence and pull cash out for debt consolidation.  For this million-dollar property, with a loan to value of 32%, it took us less than 10 days to complete all the necesssary paperwork and close his escrow!


If you or someone you know needs a little more speed or flexibility in qualifying for a home loan, give us a call at 707-523-2099. We’ll be happy to get you a proposal as to how we can help with our private money loan programs.

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