Forest Tardibuono's Blog (127)

The Good, The Bad, And The Ugly Of Marble Countertops

When building or remodeling, owners are faced with a myriad of confusing choices, not the least of which is what material to use for their kitchen counters.  Among the many preferred options are: granite, solid surface material, butcher block, concrete, and marble, specifically Carrara marble.

Marble is gorgeous both from a distance and up close, but unless…

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Added by Forest Tardibuono on November 8, 2018 at 12:34pm — No Comments

To Buy or Not To Buy?: That is the Question

Although not as existential as Hamlet’s query, this is a life changing decision facing many Californians today. Ultimately, the answer depends on several real-life factors: your finances, your long-term plans and the real estate market in your area.  Some of the questions you might want…

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Added by Forest Tardibuono on November 6, 2018 at 12:30pm — No Comments

Strange & Scary Loans Don’t Frighten Us!

“I would like to buy a particular house, but it needs fixing.  I haven’t been able to get loan approval despite numerous attempts elsewhere – I think the condition has scared everyone away.  Can you help me with a Hard Money loan?” This was the question posed to us a few weeks ago, by a Flipper…

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Added by Forest Tardibuono on October 31, 2018 at 4:13pm — No Comments

We Are Dying To Get Your Loan Done FAST!

The average time for cash-in-hand with our Hard Money loans is 16 days.  Read below to see some examples of recently funded loans through our office – all done fast!

Many Realtors and other Brokers come to us, so they can help get their Home Buyers and Borrowers the needed financing…

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Added by Forest Tardibuono on October 30, 2018 at 11:00am — No Comments

Investment Property/Non-Owner-Occupied Loans

Looking for ways to protect their financial security, many homeowners are investing their money in second homes, or are refinancing existing loans on rental property to upgrade them.   Whether they are looking for another source of income, or they need to improve their existing…

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Added by Forest Tardibuono on October 25, 2018 at 11:38am — No Comments

Don’t Freak Out And Lose Your Heads!

Don’t freak out over that declined loan!  Let us help you like we were able to do for a local realtor and his real estate investor:

They had just found out the investor had been disapproved for his traditional loan – 10 days before he was supposed to close!  Instead of losing his…

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Added by Forest Tardibuono on October 23, 2018 at 12:30pm — No Comments

Why Invest in Non-Owner-Occupied Home Loans

We have all heard the horror stories related to Non-Owner-Occupied investment properties, and have thought to ourselves, “Is the headache really worth it?”  Some would say the financial gains outweigh the grief. But what if you could have all the…

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Added by Forest Tardibuono on October 18, 2018 at 10:00am — No Comments

We’ll Stand Behind You Every Step Of The Way On Your Loan!



“I have a client who needs a jumbo loan super-fast. Can you help?”.  This was the question we got from a Mortgage Broker about one of his Borrowers who was trying to rapidly refinance.

This Borrower had just 10 days to close on the Orange County property he wanted…

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Added by Forest Tardibuono on October 15, 2018 at 11:11am — 1 Comment

Why Should I Sell My Home This Fall?

There are probably a myriad of reasons to sell this Fall, but let’s look at just a few:

For starters, Buyer demand is still strong.  While the mad, competitive scene has waned (thankfully!), last month listings averaged only 29 days on the market according to NAR.  Although the housing inventory is…

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Added by Forest Tardibuono on October 11, 2018 at 11:10am — No Comments

Does That Loan Have You Confused & Bewildered?

Let Us Help Get That Loan Done Fast!

A Mortgage Broker in Southern California called us with an opportunity he was not able to do:

A bridge loan for $850,000 at 65% loan to value.  His Borrower was self-employed with difficult to prove income, thus…

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Added by Forest Tardibuono on October 3, 2018 at 10:25am — No Comments

How To Significantly Increase The Value of Your Rental Property



One of the best ways to insure the value of your rental property and increase your cash flow is to maintain and manage it well. As a landlord you should be vigilant that your property does not depreciate because of your inattentiveness. Markets may fluctuate, and while this is something…

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Added by Forest Tardibuono on September 27, 2018 at 1:36pm — No Comments

Investment Property/Non-Owner-Occupied Loans



Looking for ways to protect their financial security, many homeowners are investing their money in second homes, or are refinancing existing loans on rental property to upgrade them.   Whether they are looking for another source of income, or they need to improve their existing rental property,…

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Added by Forest Tardibuono on September 25, 2018 at 11:21am — No Comments

Guardians Of Hard Money Loans

After 30 years of financing multitudes of Hard Money loans, it has become apparent that we are the true guardians of FAST Hard Money!

We have funded many loans in less than one week; We can finance a property that doesn’t qualify for conventional financing; Lend to those who have difficulty proving…

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Added by Forest Tardibuono on September 20, 2018 at 10:57am — No Comments

Conventional Vs Hard Money Loans

Let’s look at the difference between traditional or conventional Lenders, such as Banks and other in-house lending institutions and a Hard Money Lender:

Interest Rates – Conventional interest rates are generally lower than hard money rates, but if a hard money…

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Added by Forest Tardibuono on September 19, 2018 at 1:32pm — No Comments

Help Your Client Take the First Step Toward Homeownership



As Lenders or Brokers you often come across a client who is on the brink of qualifying for a conventional loan, but can’t quite make the grade.  That’s the time for a call to Sun Pacific Mortgage, the premier Hard Money Lender in California, offering such loans since 1988!

If we can get…

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Added by Forest Tardibuono on September 12, 2018 at 1:20pm — No Comments

Hard Money’s Very Own Super Hero!



We stand ready, stronger than ever, to help get your loan approved fast!  Having a 2018 World Classic Cruiser Weight Champion on our family Hard Money team, just adds that special superpower to our alternative financing programs.

Read below to see various loans funded by our office.  And then email…

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Added by Forest Tardibuono on September 7, 2018 at 11:36am — No Comments

Get A Loan FAST Using Hard Money!



Jumbo Loan Funded In A Flash!

A property owner in Napa needed some fast capital for his business as well as wanted to do some needed upgrades to his rental.  Unfortunately, he was having difficulty qualifying for a conventional loan due to being self employed…

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Added by Forest Tardibuono on September 5, 2018 at 2:24pm — No Comments

Why Should I Buy Today Instead of Waiting?



Today most industry leaders would agree that waiting for home prices to drop significantly before buying property is very unwise.  The latest reports anticipate at least a 5.2% increase over last year’s 7% increase in property values.

Besides anticipating a jump in market pricing, another reason…

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Added by Forest Tardibuono on August 29, 2018 at 11:03am — No Comments

Hard Money – In A League All Of Its Own!

Taking advantage of Hard Money for real estate purchases and refinances will not only put your client into a better position, but it’ll put you into a league of your own as their Real Estate or Lending Agent!

Read below to see what recently funded by our office – including mega jumbo loans and…

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Added by Forest Tardibuono on August 22, 2018 at 11:41am — No Comments

Feeling Strange About Hard Money? Let Us Show You Our Magic!

Jumbo Loan Funded Magically Fast

A Home Buyer was referred to us by his Lender because he need a few more months to fix some “strange” credit issues before he could qualify for a conventional loan. But neither of them wanted to wait or…

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Added by Forest Tardibuono on August 13, 2018 at 5:40am — 2 Comments

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