Your Asking Price Matters More Now Than Ever

Why Cash Out Refinances

We are aware of the housing market slowdown from the frenzy we saw over the past two years. But what does that mean if you’re thinking about selling your home?

Because real estate prices are still appreciating although at a slower pace and mortgage rates are rising, there are more homes on the market. This new market requires sellers to be incredibly careful about how they price their home.

During the pandemic, sellers could price their home higher because demand was so high, and supply was so low. This year, things are shifting, and that means sellers need to rethink their strategy. The price set for homes sends a message to potential Buyers. If you price it too high, you run the risk of deterring Buyers.

If you need to lower your price later to attract more Buyers after it has sat on the market for a while, it can be seen as a red flag. Some Buyers will wonder what that means, and it can be a serious “turn-off.”  Your Real Estate Agent is the best able to give you a true picture of what the market looks like in your area to help you set a suitable selling price.

Real estate experts have a saying: “If it’s sitting there, there are three reasons: price, price, price.”  That may not have been the case a few months ago, but today’s Buyer is savvy enough to know that the market is not what it was for the past couple of years. Buyers will not be as quick to jump without negotiating.

So, if you are a Buyer in today’s market but are finding it difficult to obtain a loan or want to make a stronger offer with a quicker close, consider a short term private loan from Sun Pacific Mortgage (707-523-2099) or visit our website at We have helped thousands of Buyers like you for over 34 years in California. We can help get you into a mortgage fast and with far fewer hurdles to jump over – our average days to close is just 2 weeks!

Charging Into Fall – Smoother Transactions!

ATV PROMOThe 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
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Here at Sun Pacific Mortgage, we have helped many Borrowers in California pave their way to homeownership, with our fast and forgiving Private Money financing. Give us a call at 707-523-2099 or visit our website at with any questions or scenarios.  We’ll quickly answer with what we can do to help make your bumpy ride smoother!

The Housing Market in California Today

california neighborhood

A summary of the real estate market in California might read, “mixed bag”.  While home prices increased year-over-year in July, the number of homes sold fell by a whopping 31.1% and the number of homes for sale rose as compared to last year. According to the California Association of Realtors 30 counties recorded sales declined more than 30% from last year.

The Central Coast experienced the largest decline among major regions, with sales decreasing 37.3% from the previous year.  However, the good news for sellers is, median sales price continued to grow in nearly 80% of the California counties!  The final median home prices decreased by only 3.5% to $833,910 (meaning homes are selling for less than asking price) – but this median home price was 2.8% higher than last year at this time.

The report for August reads as follows:

  • Closed sales per day: 513
  • Pending sales per day: 306
  • New listings per day: 260
  • % Of active listings with reduced price: 41.6%
  • % Of homes closed above list price: 35%
  • Median days of the market for closed sales: 22

Currently, we see some markets cooling down.  It is good to keep in mind that all real estate is local and the national news headlines don’t necessarily apply to every market around the country. It would appear that in most of California it has gone from an extreme seller’s market to a more balanced one. One thing remains constant: real estate is now and always has been a sound investment.

If you are looking for a profitable place to invest your portfolio, give Sun Pacific Mortgage a call at 707-523-2099 or visit our website at and become one of our many private investors in Deeds of Trusts.  Earn upwards of 13% return on your investments in stronger real estate Notes.

Smoother Financing Options Here!


Smooth Sailing Transactions with The Guys in the White Hats

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: Alameda County

Days to Fund: 13 days

Why Came To Us: This Borrower 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 or someone you know are having difficulty proving income or is turned down at the last minute, 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 or visit our website at with your questions or scenarios you may have.

Wine Country Trends in Real Estate for July 2022

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For purposes of this blog, Wine Country includes the counties of: Marin, Mendocino, Napa, Solano, and Sonoma.

  • Homes and Condos available for sale at the end of July= 2,697 (down 34% from July 2021; down 11% from June 2022) This has been the pattern for the past 3 months.
  • Inventory in the past 10 years has been more than 10,000 homes.
  • Sales= 1,169 (32% less than 2021; 7% less than June 2022)
  • Price reductions: Napa 15%; Sonoma 22%; Mendocino 45%
  • Selling more than original asking price: Sonoma 48%; Napa 35%; Mendocino 25%

Mortgage rates at the beginning of June reached 6.5%, but by July they were closer to 5%, which is not that far off the 4% we averaged for the past 13 years.

Some experts think that inflation may have reached its peak and is retreating slowly.  Buyers and Sellers alike would be pleased with this trend!

If you have been turned down for a conventional loan from a bank or mortgage broker, give Sun Pacific Mortgage a call at 707-523-2099 or visit our website at to see if a private loan is the solution to your problem.  We have been in business for 34+ years serving all of California and have thousands of Investors ready to help provide you with a fast refinance or purchase solution.

How To Make Waves with Fast Financing?

WaterskiingMaking Waves with The Guys In The White Hats

We continue to “make waves” by approving and funding loans FAST!

After 34 years of Private Lending, we’re pretty expert at providing you with FAST loans, just as we did below:

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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 with any questions or scenarios and we’ll quickly answer with what we can do to help.

The Likelihood of Your Home’s Value Declining

Hard Money Bad Money Not So

In a recent article published in Fortune magazine, there appeared an interactive map of the nation. Each state’s local regions were rated as to the likelihood of real estate values declining over the coming 12 months. Here are the groupings the real estate research firm (CoreLogic) used for the June analysis:

  • Very High: Over 70% chance of a price dip
  • High: 50-70% chance
  • Medium: 40-50% chance
  • Low: 20-40% chance
  • Very low: 0-20% chance

These are the California regions which were rated and their categories:

Very Low: Chico, Modesto

Low: Riverside-San Bernadino-Ontario, San Diego, Redding, Napa, Merced, San Louis Obispo, Santa Maria-Santa Barbara

Medium: Santa Rosa-Petaluma, Stockton, San Jose-Sunnyvale-Santa Clara, Salinas, Bakersfield, Los Angeles-Long Beach-Anaheim

High: Sacramento-Roseville-Folsom, San Francisco-Oakland-Berkeley, Vallejo, Fresno

While the odds of home prices dropping remains low, the housing market is slowing down. The pandemic housing boom may be over, but that does not mean housing prices will drop precipitously, especially in California.

CoreLogic assessed factors like income growth projections, unemployment factors, affordability, mortgage rates, and inventory levels to determine the likelihood of regional home prices dropping. California overall does not appear to fare poorly compared to the rest of the country.  Real estate has continued to be the best investment over the long haul regardless of blips in the economy.

If you are looking to invest in real estate this year – by purchasing property or investing in deeds of trust for higher return – Sun Pacific Mortgage has the answer.  We have been in business over 34 years now, offering private money loans and offering Notes for investors.   Give us a call at 707-523-2099 or visit our website at to find out what we can do for you.

Roping In The Loan Size & Speed Ya Need!

Bull WranglingNeed another fast purchase loan or refinance?  Getting turned down elsewhere for a loan?

The Guys in the White Hats will wrangle in stubborn financing, solving with our Private Money Programs. With funding options up to 2 million, after 34 years we still have not run out of money and are ready to quickly finance you or someone you know, just like we did for the Borrowers below:

Recently Funded

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It’s not our first rodeo! At Sun Pacific Mortgage, we help Borrowers in California finance their real estate needs if they want fast loans or were turned down elsewhere.  Call Us at 707-523-2099 or visit our website at with your scenario to see how we can help you or someone you know, wrangle in that loan!


Real Estate Market Report for San Francisco and Peninsula

california bay area top weekend getaways stinson beach

Despite the fear mongers’ warnings, life and real estate go on as before in San Francisco and the Peninsula when we are speaking of the real estate market. While there is no longer the frenetic pace of the past two years, buyers and sellers continue to engage in transactions with hefty profits. We have only to examine the past quarter of San Francisco sales to see that, while there has been a very slight slow down in business, homes are still selling above asking price for single-family residences.

Screen Shot 2022 08 26 at 12.54.32 PMThe Peninsula is also showing no backsliding when it comes to average sales vs. listing prices:

Screen Shot 2022 08 26 at 12.54.39 PMWith the year half over and the economy in flux, it is difficult to predict the future, but most economists are still recommending real estate as a safe investment vehicle to increase personal wealth.

If you need help finding a mortgage for California real estate because you have not qualified for a conventional loan, give Sun Pacific Mortgage a call at 707-523-2099 or visit our website at

Big, Fast, and Direct – Recently Helped Borrowers!

Wild Ride getting FinancingBIG And FAST With Our Private Money Loans!

End the wild ride and get real estate financing with one of our Direct Private Money Programs.

Purchase or Refinance mortgage taking too long?  Or being turned down at the last minute?  Let us help you or someone you know fulfill the need for BIG Speed Lending, just like we did below:

Recently Helped Borrowers


We look forward to helping you or someone you know with our BIG and Fast Private Money programs.  Call us at 707-523-2099 or visit our website at with your scenario and we will get back to you with how we can help!

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