“As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.” – John Fitzgerald Kennedy

In observance of this holiday, our office will be closed November 22nd and 23rd.

Best, Ken & Forest – The Guys in the White Hats

Lead Loan Originator and Hard Money Broker of family owned…

With our many loan programs, we can help get that loan approved and score a touchdown for your team!  One of our most popular loan programs is the Bridge Loan. Here are the benefits of getting this type of financing with us:

• Accessing…

What’s one to believe about the real estate market today? There are so many conflicting headlines that even the savviest investor…

Guardians of FAST Hard Money!

Why are we considered the true guardians of getting Hard Money loans done FAST?  Maybe it’s because we can complete these loans with an 18 day average and have been doing it for 30 years!

One of our most popular programs is the Bridge Loan – for purchases and refinances.…

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…

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…

“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 in San Mateo.

Strange and scary property conditions are not an issue for…

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 quickly.  Such speed allows for stronger purchase offers with short loan…

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, they recognize that real estate has proven to be a profitable and long-term…

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 head, the realtor reached out to us for some help with our fast Hard Money…

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 financial benefits and virtually none of the problems? Sound too good to be true?…

“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 to buy, requiring a temporary refinance of another one of his properties he owned outright, so that…

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 still less than 6 months (which is considered “normal”), it appears…

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 having difficulty with loan approval within the time frame…

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 you don’t have particular control over, you can ensure that your property does not…

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, they recognize that real estate has proven to be a profitable and long-term…

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 income, as well as those borrowers with poor credit who have been…

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 loan makes the difference between no loan and paying a little more until you…

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 your client into a home with one of our programs, when they are ready to pay…

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 us back or Call Today 707-523-2099 to find out how we can help be…