How To Wrangle that Big and Fast Financing?

Bull Wrangling Get Your Ropes Around That Stubborn Real Estate Loan With Our Direct Private Money Programs!  With Funding Options Up To 1.5 Million, After 35 Years We Still Have Not Run Out Of Money And Are Ready To Quickly Work With You To Get Your Purchase Or Refinance Funded, Just Like Below:Get your ropes around that stubborn real estate loan with our Direct Private Money Programs!  With funding options up to 1.5 million, after 35 years we still have not run out of money and are ready to quickly work with you to get your purchase or refinance funded, just like below:

Recently Funded

Program: Owner-Occupied Bridge Purchase
Loan Size: 1.1 million
Location: Contra Costa County
Why Came To Us: Debt to income ratio high as borrower wanted to buy a new home prior to selling their current house.

Program: Owner-Occupied Business Purpose Refinance
Loan Size: 780k
Location: Marin County
Why Came To Us: Had a bankruptcy on record and wanted to consolidate high-interest business debts to improve credit.

Program: Investment Property Purchase
Loan Size: 780k
Location: Monterey County
Why Came To Us: Property needed some repairs and updates so couldn’t qualify for conventional or traditional financing yet. 

It’s not our first rodeo!  At Sun Pacific Mortgage, we help Borrowers in California finance their real estate needs – fast.  Visit our website at or give us a call at 707-523-2099 with your scenario to see how we can help you or someone you know wrangle in that loan!

Check Out North Bay Counties Real Estate Values: Past & Present!

Housing2 970X550 1 Wonder How Much Property Increased In The North Bay From Spring 2020 Until Spring 2022? Here Is The Data For Some Of The Cities:

Wonder how much property increased in the North Bay from Spring 2020 until Spring 2022? Here is the data for some of the cities:

Santa Cruz: 58%

Alameda: 46%

Marin: 43%

Contra Costa: 42%

Santa Clara: 39%

San Mateo: 37%

Napa: 37%

Solano: 31%

Sonoma: 30%

San Francisco: 25%

With these figures adding to our property owners’ wealth, the thought of losing 5%-10% of equity shouldn’t be considered a devastating hit. And a 5%-10% decrease in property values is what the experts are predicting. The extreme appreciation that was the norm for the prior couple of years has come to an end and real estate is finding its new normal. We are looking at a more balanced real estate world where the seller is not always “king”, and the buyer does not need to waive inspections and be outbid by a dozen other would-be home-owners.

If you need a FAST financing option or you don’t qualify for a conventional loan with a bank or lending institution, contact Sun Pacific Mortgage at 707-523-2099 to discuss your situation or visit our website at We have been helping thousands of borrowers buy and refinance property in California since 1988 with our Private Mortgage alternative programs.

Charging In Faster – Just For You!

7B2196F454820F0356A834B86D045679 For Over 3 Decades Now We Continue To Offer Our Trusted, Fast Alternative Mortgage Financing For Both Real Estate Purchases And Refinances.  Let Us Help You Or Someone You Know By Providing A Fast Loan Solution With Our Private Money Programs, Just Like We Did For The Borrowers Below:Trust This Private Money Duo For Fast Financing

For over 3 decades now we continue to offer our trusted, fast alternative mortgage financing for both real estate purchases and refinances.  Let us help you or someone you know by providing a FAST loan solution with our Private Money programs, just like we did for the Borrowers below:

Recently Funded

Program: Owner-Occupied Bridge Purchase
Loan Size: 540k
Location: Riverside County
Days to Fund: Just 4 days!
Why Came To Us: Wanted fast cash to purchase another house prior to moving out of current home & selling

Program: Owner-Occupied Business Purpose Refinance
Loan Size: 625k
Location: Sacramento County
Days to Fund: 12 days!
Why Came To Us: Self-employed with difficult to prove income and wanted fast cash to buy extra vehicles and equipment for expanding plumbing company.

Program: Investment Property Refinance
Loan Size: 825k
Location: San Diego County
Days to Fund: 13 days!
Why Came To Us: Had some needed repairs to do on property to be able to get it rented for higher monthly returns.

If you or someone you know needs a FAST loan or just falls short of qualifying for conventional financing, our direct Private Money programs could be the solution!

If you have any questions or scenarios, then give the best Private Money Duo a call at 707-523-2099 or visit our website at today!

Investing in Deeds of Trust Versus Banks

Invest Regulators Seem To Have Helped Avoid A Global Financial Contagion After Recent Bank Crises In The U.s. And Switzerland, But Investors Remain Unconvinced That The Global Economy Is Sound.

Regulators seem to have helped avoid a global financial contagion after recent bank crises in the U.S. and Switzerland, but investors remain unconvinced that the global economy is sound.

With all the unrest in banks and the general economy, investors are once again turning to real estate as a safe haven for their money.  Real estate investments have polled consistently as the safest investment for those intent on growing and preserving their wealth.

A popular investment strategy among many investors has been the private money lending sector, or trust deed investing. With this type of financing, the investor lends a mortgage to an individual allowing he/she to purchase or refinance property.

Among the advantages of trust deed investing, is the passive nature of this investment. The lender becomes the recipient of monthly interest and/or principal payments without the hassle of rental problems.

If the borrowers are thoroughly vetted, as they are with Sun Pacific Mortgage, the negatives are few. And if the investor opts for a servicing company to handle the collection of funds monthly and any legal issues that might arise, the investor can sit back and enjoy the financial benefits of a high interest loan without the problems associated with other real estate investments.

Our investors are the backbone of our business. The appreciation felt is mutual. While we continue to supply them with profitable opportunities to place their finances in safe real estate investments, they continue to grow their wealth and diversify their portfolios.

If you are interested in becoming an Investor through our family owned & operated company of more than 35 years, call us at 707-523-2099 or reach out through our website at

Go Full Speed – Loan of the Week!

Bucking Horse Promo Update Copy Need Financing For A Home Purchase? How About A Quick Refinance Or To Pull Equity Out Of Your Current Home?  Get Full Speed Ahead With Your Real Estate Plans, Using Our Direct Private Lending Programs!Need financing for a home purchase? How about a quick refinance or to pull equity out of your current home?  Get full speed ahead with your real estate plans, using our direct Private Lending Programs!

Loan of the Week

Program: Investment Property Jumbo Refinance
Loan Size: $1.1 million
Days To Fund: 11 days
Location: Contra Costa County
Reason Came To Us: Broker came to us with a Borrower who wasn’t qualifying for their program due to debt-to-income ratio being too high.  They were looking for some fast refinancing of a Jumbo loan.  We had no problem with this and quickly gathered the needed items, got fast loan approval and the transaction completed within 11 days!

Send us your scenario now or give us a call at 707-523-2099 or visit our website at  Let us help you or someone you know go full speed ahead, with a fast Private Money loan.

A Tale of 2 Housing Markets in California: Why Some Homes Still Cause Heated Bidding Wars While Others Sit Unsold

Why Some Homes Still Cause Heated Bidding Wars While Others Sit Unsold

Came across this very interesting & informative article by  Clare Trapasso earlier this month, and feel impelled to share:

Homebuyers who are closely watching the correction in the real estate market might believe now is a good time to pounce. After all, homes are sitting on the market for longer, those maddening bidding wars have dried up, and wild offers over the asking price are things of the past, right?

Well, not exactly. It all depends on what they’re hoping to purchase.

Those searching for a home are seeing plenty of fixer-uppers, homes lacking curb appeal, and those in less desirable areas sitting on the market for longer and undergoing price reductions. But well-appointed, well-situated turnkey homes are still selling fast, often receiving multiple offers, and even selling over the asking price. It’s as if the housing slowdown hasn’t affected these properties much at all.

“If it’s a good home in the resale market, it’s selling quickly,” says Ali Wolf, chief economist of the building consultancy Zonda. “The buyer who is buying today is not the same buyer buying 12 months ago. If [they’re] paying this much, it needs to be a nice home.”

Competition for turnkey homes in good school districts remains fierce.

“If the house is perfect, the odds of someone else wanting it are high, too,” says Geena Peoples, an Austin, TX–based real estate agent with The Juice Group at Compass.

Home prices are still much higher than they were before the COVID-19 pandemic. And while mortgage rates have fallen a bit of late, they’re still substantially higher than they were at this time last year, jumping to just over 6% for 30-year fixed-rate loans, according to Freddie Mac.  So, buyers don’t have much room in their budget for costly repairs.

“In a market where costs are still high and buyers can be a little choosier, it makes sense they’re going to really zero in on the homes that are the most appealing,” says® Chief Economist Danielle Hale.

During the pandemic, just about everything was selling for more money than ever before because homebuyers didn’t have much to choose from.  Even fixer-uppers in the right markets were hot commodities. Buyers and investors could snap up these properties and still be able to afford the work they needed.

“Back in 2021, you could list just about anything and there would be a line out the door,” says Peoples. She used to see dated homes with cracks in the foundation and the walls on the market, and buyers would still pounce on them. But those days seem to have ended, at least for now.

There you go, some information to consider when advising your Home Buyers and Borrowers on what’s the best move for them to get a new home loan to buy or to refinance, throughout California!

Fast Home Financing Now. Saddle Up!

Quick Financing Direct Programs Quick Financing By The Fastest Funders In The West! Saddle Up And Take Advantage Of The Speed That Sun Pacific Has To Offer:Saddle Up For Fast Private Money Loans!

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

  • Fast Closes: 10 days or less
  • Turned Down Elsewhere – We Can Help
  • Trusted by over 10,000 Borrowers
  • Family Owned & Operated for 35 years

Loan of the Week

Program: Investment Property Refinance
Loan Size: 995k
Location: Monterey County
Days To Close: 9 Days
Reason Came To Us: Borrower came to us as after Underwriting withdrew their loan approval shortly before they were to sign their refinance.  There was some issue with proof of income and the Borrower was mid construction on a house and needed fast financing to complete the project.  We quickly got his loan approved and funded in just 9 days.

If you or someone you know needs fast financing or you’re having difficulty proving income or otherwise turned down, we have the answer.  Our Private Money programs make it easy to get that loan done and make you happy! Give us a call at 707-523-2099 or email us with your scenario to see how we can help.

What’s Happening in the North Bay Real Estate Market?

What’s Happening In The North Bay Real Estate Market?

I always find that knowing what’s happening with the real estate market is beneficial towards assisting Homebuyers and Borrowers make better decisions.  Keeping abreast of this information is also helpful when working with licensed peers, to better work together to help clients.

The following report includes both single-family and condominiums in some popular counties:

Marin County:

  • Inventory was 46% (211 homes) below January 2022, but only 4% below December 2022.
  • New sales were 21% (99 homes) below January 2022 and were 29% above December 2022.

Napa County:

  • Inventory was 43% (78 homes) below January 2022 but 3% above December 2022
  • New sales were 9% (43 homes) below January 2022 and were 54% above December 2022

Mendocino County:

  • Inventory was 8% (210 homes) below January 2022 and 13% below December 2022
  • New sales of 36 homes in January 2023 were slightly above the sale of 35 homes in January 2022 and slightly below the December 2022 level of 37 homes.

Lake County:

  • Inventory was 13% above the inventory in January 2022 and 2% below the inventory last month of 357 homes.
  • Closed sales in January were 39% below January 2022 and 32% below December 2022

Solano County:

  • Inventory was at 436.
  • 223 homes sold and closed in January 2023 while historically 500 sales occur per month.

What we can conclude from this report is that while sales and inventory are well below the levels of January 2022, they definitely look better for most counties than December looked.

Real estate experts expect the Spring will bring better reporting numbers with more inventory and more buyers looking for a less competitive market than they experienced during the last couple of years.

I look forward to a busy 2023 in the real estate and lending markets. Hope you do too!

Visit our website at for more information about what we do and what we offer.

Get Extra Luck – It’s Almost Saint Patrick’s Day

Image1 Bringing You Extra Luck For A Happier Saint Patrick'S Day! Use Our Private Money Loan Programs For:Be Extra Lucky This Saint Patrick’s Day
* Fast Home Loans With Us*

Bringing you extra luck for a happier Saint Patrick’s Day! Use our private money loan programs for:

  • Fast Fundings & Closings – 10 days or less
  • Loan Approval Despite Being Turned Down Elsewhere

After 35+ years in business, we continue to work hard to get the real estate financing our Borrowers need.

Call us at (707) 523-2099 or visit our website at with your questions or scenarios – and we’ll let you know just how lucky our Private Money programs can be.

A Look At The Real Estate Market in California

California Housing Market California’s Housing Market Continued To Improve In January As Buyers Gained More Confidence In Purchasing A Home And The Affordability Outlook Improved Slightly. Monthly Sales May Have Been Nominal For The Past Few Months, But The Market Appears To Be Heading In The Right Direction. Home Prices Are Expected To Remain Soft And Less Expensive Homes Will Be Easier To Sell, Especially In The San Francisco Bay Area According To The California Association Of Realtors’ Chief Economist.California’s housing market continued to improve in January as buyers gained more confidence in purchasing a home and the affordability outlook improved slightly. Monthly sales may have been nominal for the past few months, but the market appears to be heading in the right direction. Home prices are expected to remain soft and less expensive homes will be easier to sell, especially in the San Francisco Bay Area according to the California Association of Realtors’ chief economist.

California home sales inched up in January for the second straight month as prices moderated somewhat. Sales of single-family homes were up 0.4% from December. The median time to sell a home in California was 33 days in January 2023, compared to the 12 days in 2022.

January’s statewide median home price was $751,330, down just 3% from December 2022. Given the huge appreciation homes acquired over the past couple of years, this decline could be viewed as negligible.

All in all, real estate through California remains a strong investment – for personal home buying, 2nd home buying, purchasing rental properties or even investing in Deeds of Trusts.  Anyone needing fast financing or having difficult qualifying for home loans elsewhere, should check out Private Money or Hard Money loans.  These fast and alternative mortgages from Sun Pacific Mortgage have assisted over 10,000 Borrowers over the past 35 years.

Give us a call at 707-523-2099 to see how we might be able to assist you personally or assist a client or visit our website at  We are also open for seasoned Private Lenders and individuals interested in investing in Deeds of Trust, earning higher returns.

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