Non-Owner Purchase – Daly City, California 

A Mortgage Broker contacted us about a Borrower who was having difficulty getting loan approval for an investment property purchase.  He had another property which had incurred some late-payment penalties and so his credit wasn’t good enough. 

This was not an issue for our Hard Money loan…

In 2018 the Pew Research Center released a report showing that almost 1 in every 5 Americans lives in a multigenerational home.  In fact, the numbers of two or more adult family members living under the same roof increased from 26.8 million in 1960 to 64 million in 2016.  Why the increase in this type of living arrangement?

Generally, two…

Last year a survey conducted by Trulia reported that 60% of Americans living in homes over 2000 square feet, reported that they…

Lately, we have seen the financial media spouting fear, uncertainty, drama, and doubt.  Wall Street sends us on a roller coaster ride every day, while the Everyman continues to go to work, get the same paycheck, pay the bills and largely tries to ignore all the drama.  This explains why investing in Main Street has proven to be so…

Make us your first and favorite Hard Money Lender.  Call us today at 707-523-2099 or email us back with any scenario.  We’ll let you know quickly how we can help.

Hard Money Loans Recently Funded

We Offer FAST Financing, Big Loans, we can Finance Despite Credit Issues, Property Condition & Difficult-To-Prove-Income.

$500,000 –…

Renovations have been known to lead to many unforeseen disasters, but it doesn’t need to be that way.  With the proper preparation and due diligence, pretty much anything can be avoided. We have all heard the horror stories of living a totally upended life during a renovation, and of timelines being ignored by professional contractors.  If you are…

1. It’s Fast!
   
   We have done many refinances and purchase loans in less than a week.
2. Only TWO main qualifications for a Hard Money Loan!
   
   A. Equity or a decent down payment.
   
   B. An ability to repay the loan (source of income).
3. Credit Score not generally a…

Parents shopping for a home have different considerations than other demographics.  As parents, their primary concern is the safety and well-being of their children, at the same time, they are also concerned with the happiness of the entire family.

Most buyers start their home search with a list of “must-haves”.  When children are a…

Program Attributes:

– Fast Funding – Many closed in less than 5 days

– Loans from $150,000 to $1.5 Million

– All property conditions accepted

– Difficult-to-prove income and FICO scores not an issue

– Can…

With Spring comes an uptick in serious buyers looking to invest in property, each with their own agenda.  Among the most common reasons buyers will tell you that they have chosen this type of investment, five stand out as most common:

1. Cash Flow: Buyers are looking for a monthly cash…

We can CRUSH those slow loan approvals and overcome loan disapproval with our Hard Money programs!

Let us help you overcome all your summer alternative financing needs for real estate purchases and refinances. Read below to see some of our recently funded loans.

And Call Us today at (707) 523-2099 to see how we can help you, a friend or a…

A recent study of Millennial buyers examined the reasons they are choosing to buy a home at this time.  Here are the results:

1. To Control their Living Space – 93%

Many a renter has dreamt of painting their space to reflect their personal style. Some Millennials yearn for a pet they are prohibited from owning because of…

“[Sun Pacific] did a fantastic job. They were honest, straightforward, to the point, loyal to the borrowers, and got me a 24-hour turnaround from docs to having a full package! They were very professional and loyal to their word.  I would recommend anyone to go there for business!” C.M.

Santa Rosa Rush…

More and more baby boomers are arriving at retirement age and are facing the question: “To sell or to stay?”.  A wise step to take at this juncture is to evaluate your home’s ability to adapt to your retirement needs. Below are some of the factors that a National Board of Realtors have suggested:

• Affordability:  Would moving to a…

Only TWO main qualifications for our loans:

1. Equity or decent down payment.
2. Ability to repay the loan.

Funding Info:

• FAST Funding ability (many done in under a week).
• Loans up to $2 Million
• FICO not generally a factor (bad or poor credit – we can still help!)
• Up to 75% loan to…

The Spring real estate market may have gotten off to a slow start this year because winter refused to release its grip on Mother Earth.  However, you can be sure that with more sunny days, the market is returning with a vengeance!

April and May have historically proven to be the top months to sell a home.  In fact, the second quarter of the…

No need to be confused by how to get your loan approved FAST. With Hard Money it’s simple!

– We can fund fast, less than 1 week if needed!

– Often considered “all cash”, makes them stronger offers.

– FICO scores are not a determining factor.

– It offers flexibility and…

Home ownership is a unique opportunity to use housing costs to build wealth over time.

The NAR (National Association of Realtors) recently published a report which broke down the equity gained from appreciation and principal payments.  According to this report, homeowners who purchased their home five years ago realized an 80% gain in…

“It was a pleasure to be able to get this loan at Sun Pacific Mortgage. This was the easiest loan process I have ever experienced in my life!! I will keep [them] on our list for any future loans needs for sure!!!  My loan process was quick, easy and very professional.”  Best, L.Q.

A Realtor reached out to us to get some fast…

After one of the worst winters in a decade, Californians are looking forward to a warmer, drier Spring.   Warmer weather tends to bring out the farmer or gardener in many of us…but where to begin? I for one love to garden and each week you can find me doing something to make my garden more full, better, more prolific.

There are many available sources…