Fastest Funder In The West – Loan of the Week!

Fastest Financing In The West Broker The Quicker The Close, The Lower The Stress. Get Fast Private Money Loans For You Or Someone You Know And Leave The Competition In The Dust!Cowboy Broker to the Rescue

The quicker the close, the lower the stress. Get Fast Private Money loans for you or someone you know and leave the competition in the dust!

  • Fast Approvals
  • Trusted by over 10,000 Borrowers
  • Credit Problems OK
  • Financing up to 2+ million

Loan of the Week

Program: Owner-Occupied Purchase
Loan Size: $787,000
Location: Sonoma County
Reason Came To Us: Borrower was turned down last minute due to a credit issue popping up, requiring a few more months of handling.  He was in Escrow already, with closing date just 9 days away.  We jumped right onto it and with our FAST Private Money program, had this funded in just 7 days!

At Sun Pacific Mortgage, Broker Cowboy Broker and his team have you covered with our Direct Private Money Programs. Saddle up and give us a call today at 707-523-2099 or visit our website at with any questions or specific scenarios. We will quickly let you know what help we can provide to you!

A Quick View of 2023 Markets for: San Francisco & the Peninsula Real Estate

Housing InventoryReceived another informative article from Val Krysov, long-time Real Estate Broker about the Bay Area’s real estate market.  Summarizing his and other recent articles about San Francisco real estate, we can see declines in sales and values have been predicted. However, based on the latest statistics for sales of single-family and condo residences at the start of the year, there’s no obvious signs of deceleration.  Val’s data supports the market still being strong:

San Francisco Single-Family residences:

  • Ave. sales price: $1,848,077
  • Days on market: 46
  • For sale at end of month: 218
  • Sold: 93

Menlo Park Single-Family residences:

  • Ave. sales price: $3,337,900
  • Days on market: 25
  • Sales price=asking price

Belmont Single-Family residences:

  • Ave. sales price: $1,870,000
  • Days on market: 41
  • Sales price=4% above asking

San Carlos Single-Family residences:

  • Ave. sales price: $2,242,000
  • Days on market: 39
  • Sales price=2% above asking

San Mateo Single-Family residences:

  • Ave. sales price: $1,743,769
  • Days on market: 30
  • Sales price=2% above asking

Burlingame Single-Family residences:

  • Ave. sales price: $2,296,875
  • Days on market: 34
  • Sales price= 2% above asking

This report does not bear out some of the more depressing forecasts touted by the predictions. Perhaps, because of the lack of inventory in these cities we are not seeing prices drop as precipitously as they might and Investors and homebuyers still see these areas as strong real estate investments.

If you have a homebuyer or borrower looking to buy or refinance in the San Francisco Bay Area, and they are in need a private mortgage because they do not qualify for conventional or traditional financing, or just need some FAST mortgage help, give us a call at 707-523-2099 or find us through our website at  We have helped thousands of borrowers in California for over three decades and we work with Brokers and Agents.

Big, Fast, and Direct – Recently Funded!

Image6 1 End The Wild Ride And Get Real Estate Financing With One Of Our Direct Private Money Programs.Our Private Money Loans Do BIG and FAST!

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 and FAST lending, just like we did for the Borrowers below:

Recently Funded

Program: Investment Property Cash-Out
Loan Size: 885k
Location:  San Luis Obispo County
Why Came To Us:  Difficult to prove income as self-employed.

Program: Property Purchase
Loan Size: 904k
Location: Marin County
Why Came To Us: Debt to income ratios above conventional financing requirements.

Program: Owner-Occupied Business Purpose Refinance
Loan Size: 725k
Location:  Solano County
Why Came To Us: Had a business loan coming due and wanted extra capital for company expansion.

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 and we will get back to you with how we can help!

How’s The Real Estate Market for Alameda and San Joaquin Counties Looking?

Alameda County Real Estate While The Nation Is Concerned About The Effects Of A Possible Recession, It Is Good To Remember That While History Doesn’t Always Repeat Itself, We Can Learn From The Past. According To Historical Data, In Most Recessions, Home Values Have Appreciated And Mortgage Rates Have Declined. By Most Accounts, It Is Highly Unlikely That We Will See Any Kind Of Protracted Decline In New Residential Structures That Could Set Off A Recession.

While the nation is concerned about the effects of a possible recession, it is good to remember that while history doesn’t always repeat itself, we can learn from the past. According to historical data, in most recessions, home values have appreciated and mortgage rates have declined. By most accounts, it is highly unlikely that we will see any kind of protracted decline in new residential structures that could set off a recession.

Looking at the single-family residential market in two random counties in California, i.e. Alameda and San Joaquin, it becomes apparent that California may be spared the worst of the decline:

Alameda County:

Median List Price: $900,000

Average days on Market: 94

Inventory: 587

Price increase: 3%

San Joaquin County:

Median List Price: $555,000

Average days on market: 89

Price increase: 3%

Other than the fact that homes are sitting on the market longer than last year, it does not appear that prices have plunged to extents they have in other places in the nation.

According to Taylor Marr, Deputy Chief Economist at Redfin,

“The housing market has begun to recover after hitting a low point in the second week of November. We’re not out of the woods yet, but homebuyers are coming off the sidelines. The number of people contacting Redfin agents to start the homebuying process has improved 13%.”

If you are ready to start investing again – in rentals or your own home – and cannot qualify for a conventional loan or are looking for a fast close, give Sun Pacific Mortgage a call at 707-523-2099 or visit our website at

How About Some Fine-Tuned Fast Home Financing in California?

Image2 1 Get Your Stopwatch Ready Because Our Team Is Feeling The Need For Speed! When You Or Someone You Know Needs Speed, Look No Further Than Our Direct Private Money Programs. We Can Get Them That Loan - Fast.  After 35 Years In Business, We Provide Fine-Tuned Lending, As Can Be Seen In The Examples Below:Fine-Tuned Fast Lending!

Get your stopwatch ready because our team is feeling the need for speed! When you or someone you know needs SPEED, look no further than our Direct Private Money Programs. We can get them that loan – FAST.  After 35 years in business, we provide fine-tuned lending, as can be seen in the examples below:

Recently Funded

Program: Primary Residence Business Purpose Refi
Loan Size: 625k
Location:  Napa County
Why Came To Us:  Wanted to do debt consolidation on high interest company credit cards and expand business location.

Program: Investment Refinance
Loan Size: 960k
Location: San Diego County
Why Came To Us: Debt to income ratios were too high with other conventional lenders due to multiple properties owned, but borrower didn’t want to miss out on a good investment.

Program: Rental Property Purchase
Loan Size: 1.02 million
Location:  San Benito County
Why Came To Us: Had difficult to prove income but needed to complete an important 1031 Exchange transaction.

At Sun Pacific Mortgage, our team is ready to provide you or someone you know with fine-tuned service and speed. Visit our website at or call today at 707-523-2099 to see how we can help!

What Are Experts Saying About the California Housing Market?

What Are Experts Saying About The Housing Market?

Here are some of the latest quotes by the economic experts regarding the housing market in the U.S.:

“There are growing signs that housing market activity may be closer to a trough. The decline in mortgage rates over the past couple of months has led to a small improvement in affordability and a rise in home buyer sentiment, albeit from a record low. Corroborating this, mortgage applications for home purchase have ticked higher in the past couple of months, which should feed through to higher sales.” Sam Hall, property economist at Capital Economics.

Let’s be clear: Even if home sales have indeed bottomed out, it doesn’t guarantee that home sales will have a swift recovery. This is what we can expect when home prices soared 41% in just over two years and mortgage rates doubled in a 12-month span.

Just because U.S. home sales might be nearing a bottom doesn’t mean we should be looking at the bottom for U.S. home prices.

“Affordability will remain stretched. We think house prices will need to fall another 6-7% to bring affordability back to a level that will support more normal levels of demand.” Capital Economics researchers.

The reason the housing market activity could be on the mend is because affordability has “depressurized” a bit lately. Over the past two months, the mortgage rates decreased, and incomes increased, helping to “depressurize” the market. Recently, Mark Zandi told Fortune:

“Housing demand is close to a trough; housing supply has yet to hit bottom; and house prices have a way to go before reaching their nadir. The reason: housing affordability remains out of balance.

In short, real estate remains a solid investment for anyone looking to grow their wealth for retirement. Whether you are a buyer or an investor, you can never go wrong with Sun Pacific Mortgage’s private loans to help you along the way. Visit our website at or give Sun Pacific Mortgage a call at 707-523-2099 to discuss our available privately funded loans or how you can become part of our Team of Investors.

Loan of the Week – Happy Valentine’s Day

Image6 Roses Are Red, Violets Are Blue, And If You Have A Loan That’s Bugging You, Let Our Direct Private Money Loan Programs Help You, Just Like We Did Below:Loan of the Week – Happy Valentine’s Day!

Roses are Red, Violets are Blue, and if you have a loan that’s bugging you, let our Direct Private Money Loan Programs help You, just like we did below:

Program:  Rush Purchase
Loan Size: $510,000
Location: San Mateo County
Why Came To Us: A Broker brought us his Borrower, who had already spent 1 month trying to get financing, but was now about to lose out on a purchase.  This Borrower had a good down payment but since he was self-employed, he was having a problem proving income per conventional guidelines.  This is where our flexible Private Money programs became the answer for his investment needs!  We worked with the Broker and got this loan funded in 10 days.

If you or someone you know requires flexible qualifications or faster financing, call your new favorite Husband & Wife Team at 707-523-2099 or visit our website at, so we can let you know what we can do to help with our Private Money Programs!

Predicted Trends in California Real Estate for 2023

Should Inflation Stop You From Buying A Home In 2022Every year starts with predicted trends based on the previous year’s conditions and the overall financial, geo-political and social situation in any given area. Here are some of the ones predicted for California:

  • Buyers will be less likely to invest. For Sellers this means a lower demand and more effort to sell their properties, while Buyers have more homes to choose from if they decide to make the move.
  • Buyers are leaving cities for the suburbs. This trend from 2021-2022 will probably continue in 2023. Big cities such as San Francisco and Los Angeles are experiencing a decrease in sales, due to high prices and the fact that people are looking for a less busy place to live while they continue to work remotely.
  • High mortgage rates continue to hurt both Sellers and Buyers. More Buyers are considering short-term private mortgages as a means of getting into a home quickly and with fewer restrictions.
  • Should you buy or sell a new home now? The experts predict a continued Seller’s market in California. Low inventory ensures Sellers are at an advantage, and rising prices are only encouraging Sellers to put their properties up for sale.

If you do decide to sell this year, the experts advise not to wait until the last minute to find a new home. Many Sellers today find their new home first and use the equity in their existing home to obtain a “bridge loan”. This is allowing them to secure a home before selling their existing one. If this is a possible solution to your buying dilemma, give Sun Pacific Mortgage a call at 707-523-2099 to discuss a private bridge loan or visit our website to find out more information about the Private Money mortgages we offer.

Speed Lending – Refinances and Purchases!

Feb 2022 Week 3 For The Sake Of Speed, Let’s Get You Some Fast Facts About How We Can Help You Or Someone You Know:For the sake of SPEED, let’s get you some FAST facts about how we can help you or someone you know:

  • FAST Approvals
  • Owner Occupied Properties financed
  • 10 Day Closes or Less
  • Financing up to 2 million

Loan Of The Week

Program: Rental Property Rush Purchase
Loan Size: $678,000
Location: Sonoma County
Why Came To Us:  Local Lender referred her Borrower to us because she knew they were in a do or die scenario, about to lose a big down payment, great investment opportunity. The Borrower was turned down last minute by Underwriting, was already past close of Escrow date, on a short extension. Within 48 hours we gathered all needed items and just 3 days later loan was complete!

At Sun Pacific Mortgage we provide FAST private financing to you or someone who you know, who needs a fast home loan or just got turned down elsewhere.  Visit our website at or call today at 707-523-2099 to see how we can assist you or someone you know with our SPEED services.

How Did The San Francisco Peninsula Real Estate Kick Off 2023?

Marin County I Continue To Keep Up On The Real Estate Markets To Assist Not Just The Bay Area Homebuyers And Borrowers, But Also To Share This Information With Other Licensed Brokers, Loan Originators And Realtors So We All Can Provide Good Services To Our Clients.

I continue to keep up on the real estate markets to assist not just the Bay Area homebuyers and Borrowers, but also to share this information with other licensed Brokers, Loan Originators and realtors so we all can provide good services to our clients.

Below is a snapshot of the Peninsula cities state of real estate, the first month of this new year:

Menlo Park:        

Days on the market= 29
Average sales price= $3,086,681

Foster City:

Days on the market=13
Average sales price= $1,990,714


Days on the market= 32
Average sales price= $1,898,800

San Carlos:

Days on the market= 31
Average sales price= $2,002,206

San Mateo:

Days on the market= 34
Average sales price= $1,961,789


Days on the market= 41
Average sales price= $2,832,361

If you are looking in these cities or anywhere else in California for your next real estate investment, refinance or home purchase, reach out to us if you need fast, flexible & friendly financing! You can reach us at 707-523-2099 or through our website at  We have been offering private mortgages to Californians for over 35 years – families, individuals and real estate investors alike.

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