Has It Really Been Over 3 Decades?

Bridge Private Money Program 1 Copy Trusted Lender For 35 YearsTrusted Lender For 35 years

Is your mortgage loan being turned down by other Lenders? Or just in need of a fast, short term home loan?

This is where we can help you or someone you know, with our fast, flexible alternative finance programs – also known as Private Money – just like we did below:

Recently Funded

Program: Primary Residence Refinance
Loan Size: 990k
Location: Contra Costa County
Why Came To Us: Borrower had poor credit and wanted to consolidate debt on high rate credit cards.

Program: Investment Property Refinance
Loan Size: 705k
Location:  Monterey County
Why Came To Us: Property condition poor and wanted the cash out to do a major rehab on this investment property.

Program: Owner-Occupied Bridge Purchase
Loan Size: 686k
Location: Sonoma County
Why Came To Us: Wanted to buy a new home prior to selling current house and debt to income ratios were inhibiting conventional lenders from helping.

Being in business for 35 years has allowed us to pretty much see it all! Call us at 707-523-2099 or visit our website at www.sunpacificmortgage.com with any questions or scenarios and we’ll get back to you quickly with what we can do to help.

Is Hawaii Real Estate a Good Investment?

Hawaii Hard Money Lending

Investing in real estate can be like playing Monopoly: buy a property; generate rental income property; buy more properties; hedge against inflation; and see the cash flow. Real estate is a great investment for a variety of reasons, and historically Hawaii real estate has been an excellent portfolio choice.

What are the reasons anyone should invest in Hawaii real estate? Chief among the reasons is appreciation. While the Hawaii real estate market does have its ups and downs, historically it has always had steady appreciation, and the downs are not as drastic as in the U.S. Mainland. Since 1972, the long-term average annual appreciation has hovered around 6% for a single-family home and 5.4% for a condo.

In recent years, average sales prices for Hawaii homes have continued to increase. Oahu median sales prices have increased year-over-year around 70% of the time since 1985.

If you find yourselves sitting on a substantial amount of equity because of the large appreciation California homes have experienced over the past several years, consider tapping into it to invest in Hawaii real estate. Hawaii real estate is typically a safe and rewarding investment. Now, with Sun Pacific Mortgage, you can be an investor in Hawaii real estate without the hassle of being an “absentee landlord”.

Interested? Call 707-523-2099 or find us at www.sunpacificmortgage.com.

Turned Down Elsewhere? We Can Help Get Fast Loan Approval!

Image5 Current Market Conditions And Stricter Qualifications Causing Loans To Be Turned Down By Other Underwriters Or Lenders?  Get Fast Approvals And Fast Fundings With Us Despite Being Turned Down Elsewhere!

Current market conditions and stricter qualifications causing loans to be turned down by other Underwriters or Lenders?  Get fast approvals and fast fundings with us despite being turned down elsewhere!

Call us today at 707-523-2099 or visit our website at www.sunpacificmortgage.com with questions or scenarios and we’ll let you know how we can help – just like we were able to do in the below examples:


Recently Turned Down Loans From Others – Approved & Funded By Us

Location:  Santa Cruz County
Finance Program:  Bridge Purchase
Loan Size:  865k
Days to Close:  9
Why Needed Us:  Came to us after being turned away by conventional lender on the 19th day of a 30 day Escrow, because had bought a business vehicle which affected their debt to income ratios just enough to get them unqualified.

Location:  Sacramento County
Finance Program:  Investment Property Refinance
Loan Size:  762k
Days to Close: 14
Why Needed Us:  Needed cash to make necessary repairs before listing property for sale to get a higher return.

Location: Los Angeles, Los Angeles County
Finance Program:  Primary Residence Business Purpose Refinance
Loan Size:  677k
Days to Close:  16
Why Needed Us:  Needed capital to handle high credit business debts and  repair credit.

We Offer FAST Financing; We Finance Owner Occupied & Investment Properties. We Can Finance Despite Credit Issues, Property Condition & Difficult To Prove Income;

Looking to Buy a House on Maui?

Maui Meadows Maui Scaled Maui Offers Tons Of Real Estate Variety For Those Looking To Buy A Piece Of Maui Real Estate. Upcountry Maui Real Estate Is Located At Elevations Between 1,000 And 4,000 Feet Above Sea Level Where The Air Is Cooler. North Shore Puts You Right In The Heart Of One Of The World’s Favorite Surfing Spots, And Kihei, Makena, And Wailea Offer Plenty Of Tourism Attractions Along With Lahaina, Ka’anapali And Wailuku.

Maui offers tons of real estate variety for those looking to buy a piece of Maui real estate. Upcountry Maui real estate is located at elevations between 1,000 and 4,000 feet above sea level where the air is cooler. North Shore puts you right in the heart of one of the world’s favorite surfing spots, and Kihei, Makena, and Wailea offer plenty of tourism attractions along with Lahaina, Ka’anapali and Wailuku.

There is no major city in Maui. This Valley Isle is known for its unique beauty, incredible beaches, charming small towns, and some of the best surfing destinations in the world. Its rich farming tradition provides an elevated culinary experience as well.

Maui is the second largest island in Hawaii and although some countries saw a drop in home prices at the start of the new year, Maui County was the only one in the state to exceed a $1million median for single-family homes.

The median sales price for Maui County single-family homes in January was $1.2 million, a 0.4% increase from the same month last year.

If you are considering a primary home, a second home or an investment property in Maui, give Sun Pacific Mortgage & Real Estate a call at 707-523-2099 to find out the many benefits of Private Money loans.

These fast and unique mortgages are based on the equity of the home being purchased, not on your credit scores. We offer mortgages to those borrowers who find it difficult to prove their income.  Additionally, we close our loans in 2 weeks on average with many done in less than 1 week. Find more information at www.Sunpacificmortgage.com and we look forward to being able to help.

Why Not Just Go Quick and Direct Lending?!

Untitled Our Direct Private Money Loans Can Get That Refinance Or Purchase Loan Done When A Traditional Lender Unfortunately Cannot. And, We Can Quickly Fund!

Our Direct Private Money loans can get that refinance or purchase loan done when a traditional Lender unfortunately cannot. And, we can QUICKLY FUND!

Recently Funded

Program: Investment Property Refinance
Loan Size: 810k
Location: San Diego County
Why Came To Us: Self-employed with difficult to prove income.

Program: Investment Property Purchase
Loan Size: 752k
Location: Contra Costa County
Why Came To Us: Turned down at last minute by traditional lender and needed a fast loan to close within 9 days, so wouldn’t lose out on a large down payment.

Program: Primary Residence Business Purpose Refinance
Loan Size: 695k
Location: Los Angeles County
Why Came To Us: Owned property free and clear and needed fast capital to invest in rapidly expanding business.

Call us at 707-523-2099 today or visit our website at www.sunpacificmortgage.com with any questions or scenarios you have. We’ll get back to you quickly with how we can help you or someone you know.

Alternative Financing Options for: Business Purpose & Consumer Purpose Real Estate Loans

Alternative Financing Options For: Business Purpose &Amp; Consumer Purpose Real Estate Loans

Let’s say your credit history is less than stellar, or your score is low. Or maybe you want to purchase a home in poor condition and flip it. Or let’s say that you need to close escrow in a week. Whatever the reason, you are having a tough time getting a traditional loan to buy a house. In these instances, you might consider a private mortgage from Sun Pacific Mortgage, a family-owned and operated business that has provided beneficial Private Money loans to thousands in California since 1988.

Among our many alternative mortgage programs available are:

  • Owner-occupied refinances/cash-out for a business purpose, whether to pay off business debts or to expand your business.
  • Non-owner-occupied refinances/cash out for a business purpose, whether to pay off business debts or get needed capital for business expansion.
  • Non-owner-occupied loan for consumer purposes, such as consolidating personal debts or high-interest credit cards, making needed home improvements, sending a kid to college, etc.
  • Owner-occupied loan for consumer purpose. This loan is an interest only loan for 15 years with the first 3 years interest only – at a fixed rate – and the remaining 12 years fully amortized and again, at a fixed rate. (Property taxes and insurance are mandated by law to be impounded on this type of loan.)

If any of these home loans are what you need to improve your credit score, get business capital or expand your investment portfolio, give us a call at 707-523-2099 or find us at www.sunpacmortgage.com.

Saddle Up and Get Ready for Private Money!

Quick Financing by the Fastest Funders in the West!  Saddle up and take advantage of the SPEED that Sun Pacific has to offer:

  • Fastest Close to date: 48 hours!
  • Turned Down Elsewhere – We Can Help!
  • Trusted by over 10,000 Borrowers
  • We work with Lenders, Brokers, Agents & Borrowers

Quick Financing Direct Programs If Your Borrower Needs A Fast Loan For A Purchase Or Refinance, Or Is Turned Down By Your Underwriting, Private Money Could Be Of Help!  Give Us A Call At 707-523-2099 Or Visit Our Website Www.sunpacificmortgage.com With Your Borrower’s Scenario And We’ll Get Back To You Quick.

Loan of the Week

Program: Investment Property Refinance
Loan Size: 950k
Location: Sacramento County
Reason Came To Us: A conventional Mortgage Broker brought us a Borrower who was looking for fast financing to complete a remodel on an investment property, that tenants were waiting to move back into.  Because of his difficult-to-prove income, and the property condition, this borrower was having difficulty getting financing from elsewhere. Of course, these issues were not a problem for us as the Borrower had good credit and considerable equity in his property.  We quickly gathered the necessary items and had his loan approved and funded within 10 days!

If your Borrower needs a fast loan for a purchase or refinance, or is turned down by your Underwriting, Private Money could be of help!  Give us a call at 707-523-2099 or visit our website www.sunpacificmortgage.com with your Borrower’s scenario and we’ll get back to you quick.

Bay Area Peninsula Real Estate Market Report – 2nd Quarter 2023

What Happened With San Francisco And The Peninsula Real EstateBay Area Peninsula Real Estate Market –

2nd Quarter 2023

Once again, the real estate market on the Peninsula saw ups and downs. The good news (or bad news depending on your perspective) is that this month saw more ups than downs for the average sales price paid by home buyers versus the asking price.

Menlo Park:

Down 1% from asking 25 days on the market

San Carlos:

Up 4% from asking 17 days on the market

Foster City:

Up 4% from asking 36 days on the market

San Mateo:

Up 1% from asking 36 days on the market


Up 2% from asking 24 days on the market


Up 1% from asking 32 days on the market

If you are looking to buy a house in California and would like to create a stronger purchase offer – to beat out multiple offers – consider the fast Private Money options.   These can offer 10 day closes or less!  And Private Money, also known as Hard Money or Alternative financing, is more forgiving on its qualifications so any possible issues with property condition won’t be an issue with this type of financing.  Could be that step up you’ve been looking for to buy in this market! Visit our website at www.sunpacificmortgage.com or call today (707) 523-2099.

Full Buck. No Bull. That’s the Private Money Way!

Wild Ride Getting Financing Turned Down At The Last Minute By Your Local Lender Or Is Your Loan Taking Too Long To Get Financed? End The Wild Ride For You Or Someone You Know With One Of Our Direct Private Money Loan Programs - Just Like We Did For The Borrowers Below:Turned down at the last minute by your local Lender or is your loan taking too long to get financed? End the wild ride for you or someone you know with one of our Direct Private Money loan Programs – just like we did for the Borrowers below:

Recently Funded

Program: Bridge loan
Loan Size: 690k
Location:  Marin County
Why Came To Us: Borrower didn’t want to sell his home prior to buying a new one for his family. This helped remove the contingency of the need to sell his home prior to buying another.

Program: Investment Property Refinance
Loan Size: 725k
Location:  Sacramento County
Why Came To Us: Property had an NOD on it which needed to be paid off and borrower wanted to do debt consolidation so could improve credit.

Program: Investment Purchase
Loan Size: 527k
Location:  San Mateo County
Why Came To Us: Borrower was an LLC and as such, wasn’t getting approved for financing elsewhere but we were able to help.


We look forward to helping you or someone you know with our alternative financing, also known as Private Money. Call Sun Pacific Mortgage at 707-523-2099 or visit our website at www.sunpacificmortgage.com.  Our loans are fast, flexible and get the job done. Full Buck, No Bull –  with a team of 800+ Private Investors, we never run out of money!

San Francisco Real Estate Market – Start of 2nd Quarter 2023

San Francisco Real Estate

The real estate market in San Francisco saw a slight downward motion at the beginning of Q2 of 2023, for single-family residences. However, the condo market saw a slight uptick.


Average Sales for Single Family Residences:
April: $2,148,830
March: $2,295,548
Down: $146,718
Average Days on the Market was 30 days.


Average Sales for Condos:
April: $1,378,035
March: $1,244,057
Up: $133,978
Average Days on the Market was 54 days.


If you are looking for a profitable niche for your retirement, look no further than investing in California real estate. You don’t need to be a landlord to get in on this valuable asset, you can invest in Deeds of Trusts, for higher returns.  Sun Pacific Mortgage & Real Estate is one such company, licensed Brokerage since 1988, that offers regularly available Deeds of Trusts throughout California and Hawaii.  Call 707-523-2099 or check out the investor webpage for further information and a contact form: https://www.sunpacificmortgage.com/invest-in-trust-deeds/

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