We Make Home Loans Easier

You can get your new mortgage or refinance approved easier with us.

After 32 years of offering our Alternative Financing programs we can say with confidence our Hard Money loans are just easier, faster and have less qualification requirements than conventional and traditional financial…

The question on everyone’s mind is: “What is going to happen to the housing market in the second half of this year?”  After examining unemployment, real estate, and the economic climate, the experts are taking a second look at their previous forecasts.

Joel Kan, Associate Vice President of Economic and Industry Forecasting,…

We Make Loan Approvals SIMPLE

Are you looking for a faster, smoother and less-regulated loan approval process?

With our Hard Money programs, we can help those turned down elsewhere, those just looking to speed up a refinance or even just get a fast mortgage.

Call us at 707-523-2099 or reply here…

Before beginning to explain how to use your equity, let’s define the meaning of equity.  In short, equity is the difference between the current value of your home and how much you owe on it.  For example, if your home is worth $800,000 and you owe $300,000, your equity is $500,000.

The great thing about this hidden…

Turned Down Elsewhere For A Mortgage?

Are you running into stops or difficulties with loan approval? You won’t have these stops with us!

Our Hard Money loan programs have 2 main qualifications:

1. Good equity or a decent down payment and…

While it is still relatively early in the battle against this pandemic, real estate history does hold some lessons for us regarding what’s next for housing.

It is generally agreed that today’s economic downturn will not be another Great Recession that decimates local home prices.  Real estate had been on a roll up until…

Sick of being turned away for home loan assistance? Let us help with our alternative financing programs.

Our Hard Money mortgages are backed by real estate equity.  If you have good existing equity OR have a decent down payment then we can help you with a home purchase, maybe do a refinance for debt consolidation, get you…

Take a breath!  There’s good news ahead.  According to many economists we are going to start to see an economic rebound in the second half of this year.  Here’s a look at what some of the experts are saying:

Jerome Powell, Federal Reserve Chairman:

“I think there’s a good chance that there’ll be…

If you’re getting turned down elsewhere for a mortgage, give us a chance to help using our Hard Money loans. Despite increased lending regulations elsewhere, we have the same rates, same LTVs and same “faster than conventional funding” speed, as we did before!

Let us be your new beginning to purchase a home, a new investment or even…

With the stay-at-home order gradually lifting, what was once the boom in real estate during the spring, is just now showing signs of life again as we enter summer.

To quote Joel Kan, Economist at The Mortgage Bankers Association:

“Applications for home purchases continue to recover from April’s sizable…

No Mortgage Covid-19 Regulations Here!

We want to let you know that our loan programs are not affected by any of the new regulations implemented for traditional and conventional mortgage programs.

No need to stress if you have a lack of resources for your financial needs.  Let us be your…

An article by my son; and lead loan originator at Sun Pacific Mortgage; Ken Walker.







This is the question on everyone’s mind, whether you own or rent.  When the economy will turn around is crucial to all our lives.

The National Association of Realtors (NAR) did a flash survey on May 7, 2020 and concluded…

Heading Into Our Next Generation of Lending

With over 3 decades in the business of alternative financing, we are one of the few Hard Money companies capable of lending in these uncertain times.  We continue to offer our services to those in need.  Below is just one of the many ways we can be of help, with our unique Alt-A Hard Money loan…

One of the burning questions facing all Californians today is: with Californians self-distancing and “hunkering down” for the immediate future, what will the impact be on our real estate market and investments?  While this pandemic is causing various economic downturns, it hasn’t yet affected home values and most economist are still…

Let Us Be Of Help When Needed.

These are trying times for many.  Wouldn’t it be beneficial to discover a possible home loan program that could relieve some of the stress?  This is where we hope to be of help!

The Hard Money mortgage programs we offer are backed by…

Despite the staggering number of unemployment claims being filed, there are many reasons we will not be seeing a significant number of foreclosures like we did during the crash of the last decade.  The major reason is that the amount of equity homeowners have today, positions them to be in a much better place than they were in 2008.

Here in…

Get Financing From Family Company – Ranked One of the Top 500

Despite current circumstances, we have successfully continued to lend to individuals who are in need of a home loan – to get fast cash-out from equity, to do repairs, money to buy a home, do debt consolidation, pay off balloon payments due,…

Article by my son; and lead loan originator; at Sun Pacific Mortgage & Real Estate.

The California real estate market got a boost recently, when it was reclassified as an “essential” industry.  Since March 20th face-to-face real estate sales have been non-existent. …

Even with the self-distancing limitations we face today in the San Francisco Bay Area, you can still be considering real estate investments and preparing for homeownership.  When you finally make the decision to invest in your first home, it can be terrifying.  Where to begin?  What to do first?  Here is some solid advice from Keeping…

Our Loans Can Be The Hero You Need

If you or your client are in need of some heroic alternative financing for any real estate transactions, we are here to help.

As we continue to satisfy our multitudes of investors by tightening-up borrower qualifications with lower Loan To Values and…