California Only. Trusted Hard Money Lender Since 1988

Call Today! (707) 523-2099

Realtors, Increase Your Success Rate With Our Unique Loan Programs

(And We Work With Brokers/Lenders Too!)
Realtors, Increase Your Success Rate With Our Unique Loan Programs

Home Buyer turned down elsewhere for a home loan?  We can help!

Does your client need alternative financing?Click here to contact us.


We offer financing for Owner Occupied and Investment Properties alike. We believe our hard money programs can help you achieve your clients’ goals of home ownership or investment growth.

There are only two main qualifications for these loans:

#1. Decent existing equity or at least 25% down payment and

#2. An ability to repay the loan (source of income).

In today’s competitive market, one needs to be creative. Home buyers need stronger offers and home sellers need more options. Sun Pacific Mortgage is here to provide you with the hard money loans your clients are seeking so everyone comes out a winner. We have very fast loan approval and have provided financing to many borrowers/home buyers in less than 1 week!

Borrowers can get our financing despite bad credit, difficult to prove income, property a fixer, etc! We finance Jumbo Loans, Bridge and short term loans, Owner Occupied purchases and refinances, investment purchases, and commercial.

Bridge The Gap for Home Sellers To Become Home Buyers…

With our bridge loans and short term loans, real estate activity can be increased and benefit those Home Owners who do want to sell.

• This type of financing removes the stress of having to get into contract on a new home before one sells their current house.

• Purchase offers can be extra strong as the financing required to buy a new home is available, no longer requiring a contingency of one’s current house to be sold.

We have been in business since 1988 and financed close to 7,000 individual loans. In 2019 alone we financed 243 individual transactions, which included a good mix of owner-occupied loans, rental property loans, small commercial loans and some land loans.  We take an average of 18 days to fund a loan with the fastest in less than 48 hours – so speed is our specialty!

NOTE: We offer hard money financing for primary residences and investment properties alike – single unit and multiple units.  And your home buyers and home owners can qualify for our financing despite poor credit, self employment or difficult to prove income, property condition bad, etc.  We finance jumbo loans, Bridge and short-term loans, owner occupied purchases and refinances, investment purchases and refinances as well as some commercial real estate financing.

Call us today at (707) 523-2099 or email us by filling out the form below.

Ken Walker & Forest Tardibuono – “The Guys in the White Hats”

Hard Money Loan Programs:

Have a Question or Loan Scenario? Email us.

We provide ONLY California Real Estate financing. Minimum loan amount starts at $150,000.

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