With strict regulations in place regarding self-distancing, what is to become of the real estate market? While California real estate sales is now deemed an “essential” industry, it does not mean back to business as usual.  All realtors still need to follow health guidelines and each city and county can stipulate what that looks like for their…

Despite all, we’re continuing to help Homebuyers, Homeowners, Realtors & other Brokers and Lenders with our alternative financing programs.

Alt-A Hard Money with lower rates can benefit those just barely missing out on conventional financing qualifications; Hard Money can be fast with FICO not the determining factor and any property…

There is no question that investing in real estate can be profitable. However, it is important to be realistic and that you keep your goals achievable.

First of all, you need to keep in mind that you will not make a profit overnight.  Secondly, you need to understand that the location of your property will play a critical…

Manning Up to Keep Loans Getting Done!

Loan of the Week

A mortgage broker from Contra Costa County sent us a borrower who was facing a very difficult problem.  Their daughter had some medical issues requiring quick attention, and they needed to find a way to pay for the medical…

Having been in the real estate and mortgage industry for over 3 decades, I have to say that I’ve survived many market changes – good and bad.  During the rough times I feel it’s important for leaders in our industry o share calming and factual information.

At my family owned and operated alternative financing company we are thinking outside of the box.…

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 an economic downturn, it hasn’t yet affected home values and most economist are still…

Keeping Busy. Keeping Safe.

Keeping Loans Happening!

Refinancing, home buying and investment purchases continue throughout California as the real estate market maintains its strength despite current circumstances.

For those of you needing any fast financing assistance or having difficulty elsewhere with…

Besides the wealth accumulation that property appreciation affords, tax breaks are another way homeowners benefit from their real estate investments.  Here are some facts that set the record straight on the tax advantages of homeownership:

1. Mortgage Interest:  Homeowners with a mortgage that went into effect before December 15, 2017, can…

Popular – Fast – Good Rates

Loan of the Week

A past borrower called looking for a loan of $630,400 so he could purchase a rental unit in Sebastopol, a town in western Sonoma County.  He was looking to supplement his income and add to his retirement portfolio.

He had a good down payment but since he was…

Popular – Fast – Good Rates

Loan of the Week

A past borrower called looking for a loan of $630,400 so he could purchase a rental unit in Sebastopol, a town in western Sonoma County.  He was looking to supplement his income and add to his retirement portfolio.

He had a good down payment but since he was…

Extra Lucky This

Saint Patrick’s Day!

* We’re Open For Business*

Bringing you extra luck this Saint Patrick’s Day.

After 32+ years we continue to be here to help get yours and/or your client’s loans approved fast with our alternative financing! 

Call us at…

The advice surrounding the volatility of the stock market has included everything from “Sell everything and buy gold, canned goods, and toilet paper” to “This is a tremendous buying opportunity”.

These extreme recommendations do not apply to real estate investing, however.  The best thing for you to do as an investor is calmly follow the…

Taking advantage of our most popular alternative finance program could be the best mortgage option for yourself or a client – with rates as low as *6%!

If the FICO score is good (640 and up), the loan to value is 64% or less,  and the property being purchased or refinanced is in good condition, then our Alt-A Hard Money Loan could be just the solution…

Recently Compass California Real Estate issued a 4th quarter report on the sales activity in…

One Of A Kind Financing Available

Alt-A Loan of the Week

One of our referring mortgage brokers sent us a client from San Anselmo in Marin County who was looking to quickly pay off a balloon payment that had come due.

The client needed a loan of $375,000 in a hurry to save his…

People generally believe that the winter months are not the best time to list their home for sale; however, a recent report in Showingtime, a real estate industry magazine, reveals how this year is different all over the country: Buyer activity is way up compared to the same time last year.

The…

Want fast alternative financing or have a client who just misses qualifying for regular “A-paper” financing? 

Then you have to take advantage of our one-of-a-kind loan program:

• Rates as low as *6%!
• Good credit (640 and up)
• Loan To Value 64% or…

Recent Sonoma and Napa Counties real estate statistics reveal a flattening of the market experienced last quarter:

Napa County

• # of closed sales = 276 (1% decrease over prior year)
• Average sales price:  $1.0 Million (9% decrease over prior…

Family Owned for 32+ Years!

“What I liked most about working with you was your SPEED. My borrowers/clients were happily satisfied. You are our go-to for Owner Occupied hard money, so I definitely refer you to anyone!”

– Bank Acct Manager, E.G. 

As you can see in the below Recently Funded…

While reviewing 2019, here at Sun Pacific Mortgage & Real Estate we were happily surprised by some of the significant accomplishments we achieved, resulting in many more homeowners and home-buyers getting the financing they were hoping for!

As we embark on our 32nd year in the real estate & mortgage business, we are proud to be able to…