Looking back over the 2021 real estate market is mind boggling. From mid-March when we were told to “shelter-in-place” to the rapid acceleration of the market in May and continuing throughout the remainder of the year we experienced a ride we never saw coming.

Frantic Buyers looked for properties in areas where they never dreamed of living…

With the Real Estate boom we have experienced over the past couple of years, there is an increasing demand for real estate investments financing. One type of financing for investment properties may come from a private lender, and just like with a traditional lender, the Borrower agrees on a set interest rate and timeframe that they will pay…

34 Years of Private Money Lending

Proud to be offering 34 years of fast private money financing for more than 10,000 Borrowers:

• Primary Residence Financing
• Million Dollar Loans Available
• FAST Approvals
• Property Condition Not A Problem

Loan of the…

Since we are coming out of unprecedented low inventories, perhaps it would be a good thing? That depends on whom you are querying.

To recap the state of the market in the three counties under consideration:

• Total single-family homes on the market for sale in November 2021:  772 (down 46% from Nov.2020)
• Homes sold in…

Here at Sun Pacific Mortgage, we have instituted an alternative program for Borrowers who fall short of qualifying for a conventional loan – or what some refer to as an “A-Paper loan”.

We found that this niche was not being serviced by a regular private money loan program so we created our own. While a Borrower’s qualifications for a…

Good news and bad news were recently posted by the California Association of Realtors (C.A.R.) regarding the economic outlook on housing. The bad news: supply constraints and higher prices will bring California home sales down slightly in 2022. The good news: transactions will still post their second highest level in the past five years.

C.A.R.…

Leap Into The New Year Right!

Take advantage of our Private Money Loans and the many benefits:  FAST Refinancing and Purchase Loans + Bridge Financing + Jumbo Loans + Credit issues not a problem!

Recently Funded:…

In a recent study, California’s Association of Realtors (C.A.R.) measured the percentage of households that can afford to purchase a median-priced, single-family home in California. This index is considered the most fundamental measure of housing well-being for home Buyers in the state.  Here are their findings for the North Bay Counties as of…

Financing To Make Your Season Merrier!

Are you in need of a mortgage for a home purchase?  How about a fast Bridge loan?  Private Money Loans can provide FAST Cash!

Let us make your holiday season merrier by helping you get more Buyers into homes – like we did below:

Recently Financed Buyers:…

We Fund Loans FAST!  After 33 years of experience, we are specialists at FAST Private Money Mortgages.  We’re here to help you, a family member or a friend get that fast home loan for the Holidays.

Loan of the Week

A Sonoma County Agent referred his Buyer to us after being turned down by her conventional…

Another stellar month for San Francisco real estate in October. Despite all the naysayers’ predictions that the market was on its way down, all markers indicate a continued upward trend. Here are the results for last month’s single-family residence in San Francisco:

• Average List Price:  $2,093,971
• Average Sales Price:  $2,358,448…

Take advantage of our Frightfully Fast Private Money loans this Halloween:

• Get your loan financed faster!
• Our fastest funding in just 2 days!
• Financing for Owner Occupied and Non-Owner Occupied Properties
• Difficult to prove income – Not a problem
• Credit…

According to many experts, the California real estate market, along with the…

Many investors would like to increase their personal wealth with real estate property but dread all the work and responsibility that comes with the management and headaches inherent in rentals.  That is the reason wise investors have turned to Deeds of Trust, to realize more than average returns on their investment and avoid the hassles and potential…

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…

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…

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…

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: …

Turned Down Elsewhere – We Can Help!

FAST Approvals

Trusted By Over 10,000 Borrowers

Loans Up to 2+ Million!

We’ve got your back,…

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…