Hard Money Loans in General:  

Only 2 qualifications for the following loan programs: 

1. Decent existing equity or at least 20% down payment; 

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

Normal turn-around time – 1-1/2 to 2 weeks.

Loans from $150,000.00 to $1.5 million. 

Bridge or Temporary – Owner Occupied and Investment Property: 

Allows homeowner to sell their house after they purchase a new one. Short term loan on the equity without the need to first sell current home. They can buy new home then sell the existing home. 

Also used to buy new home with short term loan awaiting qualifying for conventional loan. Additionally used to do fix-ups of existing home in order to get maximum selling price. 

Purchase/Refinance – Owner Occupied and Investment Property: 

Easy qualifying on credit, proof of income or condition of property.  These loans are normally done once bank or conventional lender can’t do the loan. 

Can be used for any purpose including fix-up to then resell/flip. Majority of the time the buyer can fix their qualifications within a year or 2 and refinance into a conventional loan. 

Business Purpose: 

Short term loan based on property equity. Most commonly used to start a business or purchase a rental property.   


Small commercial buildings, easy qualifications up to $1million.

Land/Cannabis Loan: 

Must have at least 50% down. 

Interested or need more info?

Call The Guys in the White Hats today! 

(707) 523-2099 

Ken Walker & Forest Tardibuono

NOTE:  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, commercial and land. 

Call TODAY, The Guys in the White Hats at (707) 523-2099 

See our website at:  www.SunPacificMortgage.com 

Forest CA Bur of Real Estate license #01000559 and NMLS #289456

Ken CA Bur of Real Estate license #01858042 and NMLS #1221130


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