Popular Loan: Alt-A Financing!

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Alt-A Hard Money Loans!
By The Guys in the White Hats 

This program offers lower hard money rates for your Buyers and Borrowers!

  • Faster Funding – of Purchases and Refinances
  • Borrowers with good credit (640+)
  • Lower Loan To Value (64% LTV or lower)
  • Nice property in good location

Continuing a 33 year legacy of Hard Money lending – also known as Private money. This newer and quite popular loan program is for Borrowers and Buyers who are just shy of qualifying for “A” paper.

Recently Funded Alt-A Scenario By Us: 

  • Non-Owner Occupied Purchase: $946,870
  • Loan To Value: 62%
  • Sonoma County

Santa Rosa Home Buyer was turned down by her Lender, 27 days into a 30-day Escrow. Had all qualifications checked except a last-minute issue as to proof of income, which resulted in Underwriting withdrawing loan approval.

The Buyer’s Agent luckily called our office, requesting quick help. With a low LTV of 62%, within just 4 days we had loan approved and funds ready for her purchase of $946,870!

In addition to this newer program, we continue to provide our traditional Private Money loan programs for those in need of fast cash, turned down elsewhere for credit issues or difficult to prove income.

Call us at 707-523-2099 with any questions or scenarios and we’ll reply quickly with what we can do for your Buyers or Borrowers.

Are you a Broker/Lender? Click Here to see how to increase your success rate.

Are you a Realtor? Click Here to see how we can increase your closing rate. 

Real Estate Statistics for July 2021 – San Francisco Peninsula Areas

Real Estate Market Results for San Francisco Peninsula Areas

Reports for last month show that the Peninsula is still a hot commodity. Homes are flying off the shelf with selling prices well above the asking price. Buyers can still expect to engage in bidding wars knowing that unless they get creative with their offer, they will probably lose out. All you need to do is examine the activity from July to see that real estate remains an extraordinarily strong seller’s market.

Menlo Park:  

  • D.O.M.: 6
  • Ave. Selling Price:  $2,563,025 ($175,125 ABOVE 6/21)
  • 16% ABOVE asking price

Foster City:

  • D,O.M.:  8
  • Ave. Selling Price:  $2,322,710 ($39,710 BELOW 6/21)
  • 16% ABOVE asking price


  • D.O.M.: 9
  • Ave. Selling Price:  $2,290,884 ($114,368 BELOW 6/21)
  • 17% ABOVE asking price

San Carlos:

  • D.O.M.:  11
  • Ave. Selling Price:  $2.659,670 ($120,812 ABOVE 6/21)
  • 12% ABOVE asking price

San Mateo:

  • D.O.M.:  13
  • Ave. Selling Price:  $2,368,985 ($358,062 ABOVE 6/21)
  • 14% ABOVE asking price


  • D.O.M.:  11
  • Ave. Selling Price:  $3,101,173($8,738 ABOVE 6/21)
  • 5% ABOVE asking price

In this market speed is everything!  On the Peninsula in July, the average days on the market ranged from 6 days to 13 days. That doesn’t give a Buyer any time to dilly-dally.

If you want to be competitive in today’s real estate arena, getting pre-approved for a mortgage is essential. Beyond that step, consider a fast private money real estate loan from Sun Pacific Mortgage. We are known for our speed in closing deals in a week or less.

Give us a call at 707-523-2099 to get a bridge loan or a temporary purchase loan that you can refinance later when speed is of no consequence.

Direct Financing For You!

trusted new hats

We are privileged to have many past Borrowers who have been placing their trust in us for the past 33+ years.  Still here to help with our Private Money Loans:

  • Get FAST Approvals!
  • Credit Issues Are Not A Problem
  • Family Owned & Operated
  • We Are A Direct Lender

Loan of the Week

A Broker in Santa Clara County sent his Borrower’s loan to us, due to some credit issues that popped up at the last minute.  They were in Escrow and had just two weeks to close.

This Borrower was an investor who quickly needed rescuing with a 732,000 jumbo loan to purchase a rental property he was already in contract to buy.  With the loan to value of 58%, it took us just 11 days to complete all the necessary loan docs and help get Escrow closed!

Are you a Home Buyer or Homeowner who needs a fast home loan? Or you are having difficulty getting loan approval? Give us a call today at 707-523-2099 or reply back here. We’ll be happy to get you a proposal on how we can help with our private money loan programs.

July Real Estate Market Statistics for Sonoma, Marin, and Napa Counties

July Real Estate Market Statistics for Sonoma Marin and Napa Counties

It is no surprise that single family homes continued to be snatched up as quickly as they hit the market in July.  The data shows that available housing has continued to shrink even as the demand has escalated.  Here are the results for July 2020:

Sonoma County

  • Houses that went into escrow:  622
  • Closed escrow:  563
  • New listings:  431 (25% fewer than July 2020)
  • Available August 1:  675 (12% fewer than July 2020)

Marin County

  • Houses into escrow:  231 (29% fewer than July 2020)
  • Closed escrow:  241
  • New listings:  169 (39% fewer than July 2020)
  • Available August 1: 209
  • Median price:  $1,800,000

Napa County

  • Houses that went into escrow:  128
  • Closed escrow:  115
  • New listings:  101 (60% fewer than July 2020)
  • Available August 1:  245
  • Median price:  $925,000

If you are looking for a fast close on your property purchase, consider a temporary mortgage through Sun Pacific Mortgage.  We offer private lending opportunities that can be completed in a week, if needed! Give us a call at 707-523-2099 to see what we can do to help you during these frenetic paced real estate transactions.

We’ve Got Your Back – Fast Loans!

Weve Got Your Back – Fast Loans

  • Turned Down Elsewhere – We Can Help!
  • FAST Approvals
  • Trusted By Over 10,000 Borrowers
  • Loans Up to 2+ Million!

We’ve got your back, continuing our 33-year legacy of helping rescue any loan that needs fast funding or doesn’t quite qualify at this time.  We’ve got those FAST Private Money Loans!

See how we can help, as we did for these individuals below:

Recently Funded

Call 707-523-2099 with questions or scenarios – we’ll quickly reply!

Four Key Trends in Today’s Real Estate Market

Four Key Trends in Todays Real Estate Market

As we move into the second half of the year, one thing is clear:  the current California real estate market is a “one off”.  Both buyers and sellers are affected by the mix of conditions we are experiencing today.  Here’s a look at four key components that are shaping this unique market:

  1. A Shortage of Homes for Sale:  Even though parts of the country may be experiencing small gains in the number of homes available for sale, inventory remains a challenge, especially here in California.
  2. Buyer Competition and Bidding Wars:  Buyers are having to go above and beyond to make sure their offer stands out from the crowd by offering over the asking price, all cash, or waiving some contingencies.  The average number of offers for the average home for sale was 5 in May.
  3. Home Price Appreciation:  According to CoreLogic, national home prices rose 15.4% year-over-year in May, making it the highest gain since November 2005.
  4. A Rise in Home Values and Equity:  As reported in CoreLogic, homeowners with mortgages (62% of all properties) have seen their equity increase by 19.6% year-over-year and have used this leverage to move into their dream homes or accomplish other life goals.

Bottom line?  Whether you are looking to buy your new home in Monterey County or move from busier urban life of San Francisco to Sebastopol, downsize your Santa Cruz home as your kids finally moved out – there’s no time like the present to buy or sell!

We have helped thousands of borrowers in our 33+ years in business. If you or any of your clients fall short of qualifying for a conventional loan or just want fast real estate financing, then Sun Pacific Mortgage can help with our private money lending. Give us a call at 707-523-2099 or check out our website at www.Sunpacmortgage.com to discover what we can do to make your next move easier and possible.

Over 3 Decades – Fast Loans for You!

3 deccades of lending new 1

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

  • Million Dollar Loans Provided!
  • FAST Closing!
  • Credit Problems Okay!
  • Trusted By Over 10,000 Borrowers!

Loan of the Week

A Home Buyer was referred to us by his Realtor and Lender in Marin, as they were unable to get final Underwriting approval for his home purchase. This particular Buyer had credit issues requiring a few more months of handling before he could fully qualify for conventional financing. However, since he was already in contract he did not want to lose out so they referred him to us for fast help.

He needed short-term Jumbo financing of 705,000. Despite the size of loan, with a lower LTV of 62%, we were able to quickly get this approved, funded and money to Escrow within just 7 days!

Call Us Today at 707-523-2099 with any questions or your scenario!

How Can You Get Into Contract For A Home Faster?

How Can You Get Into Contract For A Home Faster

While the housing market forecast for the second half of this year remains healthy, there may not be a better time to sell than right now.  According to the National Association of Realtors (NAR), homes are selling in an average of 17 days, and in California that number drops significantly.

Average days on the market is a strong indicator of buyer competition, and homes selling quickly is a great sign for sellers, not so much for buyers!  With inventory down, sellers can expect to receive multiple offers on their home in today’s market.  NAR reports sellers are seeing an average of 5 offers, and these are competitive ones.

If you doubted the competitiveness of today’s real estate market, you have only to look at a recent review of the San Francisco Peninsula statistics for June. This data shows listings sold for anywhere from 8%-15% above asking price.  This opportunity to pick and choose what offer to accept allows the seller to select the one that makes the most sense for their situation and financial well-being.

Over the past couple of years in California, homeowners have gained significant equity.  Equipped with this leverage, many sellers are looking to buy more suitable housing for their families. But what if you find the home of your dreams and you haven’t yet sold your existing house?  To make a clean offer and help ensure the purchase of your new home, buyers are looking for fast bridge loans to span the gap.

Sun Pacific Mortgage (707-523-2099) has offers a variety of private money mortgage programs, among them, bridge loans for both owner-occupied and investment properties.  By borrowing the equity for a short amount of time a buyer can close an escrow faster and not risk the chance of losing their desired new property by tacking on a contingency to their offer.

Our family owned and operated company of more than 33 years, has been able to get the necessary funds into escrow within a week, far sooner than conventional lending institutions.  Give us the opportunity to help you with real estate funding in California.

Call us today at 707-523-2099!

Time To Crush Summer!


  • We Finance Jumbo Loans!
  • Get Paid Full Commission
  • FAST Funding!
  • Over 700 Investors and Never Run Out Of Money

We want to help you and your Borrowers crush summer with our Private Money programs, just like we did for this referring Broker:

“You and your team are hands down the best out there and you never cease to amaze me. I truly feel blessed that I have you as my go to for Hard Money, as you have helped me save and earn the trust of so many great clients . Many many thanks for another successful closing Ken!”  – Snr Broker Associate, T.C. G.

Funded By Us

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Call Us now at 707-523-2099 with your scenarios.  We’ll quickly let you know how we can help you.

Is the Housing Market About to Crash?

Is the Housing Market About to Crash 1

With home prices at record highs and properties, especially in California, flying off the market in just hours, it’s no wonder that the Google search for “when is the housing market going to crash” has spiked dramatically in recent weeks.

Although this present housing mania may remind us of the mid-2000 bubble, experts say there’s no reason to prepare for a crash-landing like in 2008 and 2009.  This time the reason is simply a result of supply-and-demand.  There are just not enough homes to satisfy all the prospective Buyers out there.

According to Ali Wolf, chief economist at building consultancy Zonda:

“Today’s prices feel unsustainable, today’s frenzy feels unsustainable.  But that doesn’t mean there’s going to be a crash.  That’s bad news for a lot of shoppers who are hoping for prices to come down.”

He continues with the prediction that over the next year or two, prices will continue to rise, but at a much slower pace.  Bidding wars will taper off, and the astronomical offers over asking price will eventually come down, because there is no way the double-digit price growth can continue long term.

We are all aware that today there are far more Buyers than homes for sale.  That is another sharp reversal from the late 2000s.  Back then, overbuilding yielded far more properties than there were Buyers.  Now there isn’t enough new construction to meet the demand.

Probably, the most important factor in the last collapse were the bad mortgages.  Thankfully, these have largely disappeared from the market.  Today’s Buyers may be paying top dollar, but they have been carefully vetted to ensure they can afford their mortgages.

If you want to get into a new home before prices escalate even more, how about presenting a stronger offer with faster close by taking advantage of a private home loan?  Or, if you find you don’t quite qualify for the more rigorous conditions required in a conventional mortgage today, give Sun Pacific Mortgage a call at 707-523-2099 or visit our website at www.sunpacificmortgage.com.

We have helped thousands of Buyers over the past 33 years with our private money real estate loans in California.  We even offer owner-occupied home loans.

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