Only two main qualifications for our Hard Money Loans:

1. Equity or a decent down payment.
2. An ability to repay the loan. 

Call Us today at 707-523-2099 and let us help get yours or a client’s loan funded. 

We are all about BIG and FAST! 

Best, Ken & Forest – The Guys in…

Among the many predictions promoted at the beginning of each year, are the ones related to the real estate market.  2018 is no exception, and the ones emerging are both encouraging and hopeful.  According to the prognosticators,  the Bay Area can look forward to a year of moderate gains in home prices and rising inventory levels. 

Javier Vivas, director of…

“You really helped us out. Our deal was complicated, but Ken at Sun Pacific was able to hit all the moving targets. Several times I called him with questions and he took the time to go over all the details with me. The whole transaction was much better than one’s usual…

As the real estate market picks up, it could be beneficial to familiarize yourself with “not-normal-financing” options so you can be a superhero for your Seller/Buyer.  Foremost,  they can be your fastest source for a real estate loan – average funding is 2 weeks! 

These “not-normal-Superhero Loans” have just 2 main qualifications:

• Decent existing…

Our Hard Money Loan programs can be of great benefit for a client, a friend or even yourself:

-      They can be funded fast, in less than 1 week if needed.

-      They are often considered “all cash” making them stronger offers.

-      FICO scores are not a determining factor.

We are happily serving up Hard…

How To Say Goodbye To Your Home

Since the Sonoma and Napa fires we have been forced to think about saying “Goodbye” to many things, not the least of which is our home.  Those who are fortunate enough to sell their home to a willing buyer, may also experience a great sense of loss.   Our home is the place where…

Our “not-normal loans”, also known as Hard Money, have just 2 main qualifications and you can get your money fast: 

● Decent existing equity or at least 25% down payment.

● An ability to repay the loan (source of income). 

Our fastest loan funding was in 3 days – we get many loans approved and funded in…

Our “not-normal loans” have just 2 main qualifications: 

● Decent existing equity or at least 25% down payment.…

Owner Occupied Bridge/Temporary Loan

San Juan Capistrano, California 

A Realtor called me regarding a home loan that her client was having difficulty getting approved. The buyer wanted to purchase a new home in Orange County and needed a jumbo loan of…

In an attempt to find a solution to the growing housing shortage, California  enacted a law at the beginning of this year that permits small residential units on single-family lots.  Hopefully, this move will provide more affordable housing in a market that is experiencing a severe lack of housing.

What will one of these…

There are several advantages of selling your house in this market and investing in a smaller residence.  The most basic and obvious reason is the financial benefit.  A smaller home means less space to maintain, less stress, and less money spent on upkeep.  It allows you to save more money toward retirement. 

The reasons…

Recently a chief economist for Fannie Mae, Douglas Duncan, told a group of financial professionals he sees no recession in sight.  His group forecasts the economy will grow by a conservative 2% this year.  But, he added, “Frankly, from a housing perspective, I think there will be a strong growth.” 

Mr. Douglas is…

With housing inventory in shorter supply, many homeowners are opting to improve their present homes instead of risking selling and not finding a suitable replacement.  That’s where Sun Pacific Mortgage…

According to the most respected real estate prognosticators, California remains one of the safest places to invest your money in 2017.   Several Western urban markets are still “red hot’, and 5 of them are in California.  Realtor.com has predicted that some cities will see sales growth as high as 5-6%. …

Recently it has become increasingly clear that private equity is an attractive option for pension funds. Because the ultimate question in any investment decision, big or small, is the return on money, Investors are turning to private equity funds to bolster their portfolios. 

After the lean years that followed the 2008-2009…

As a real estate agent you need to know the products out there for the buyer.  I mean loan products.  Everyone and anyone could buy a home during the heyday!  Now there are really only a few loan programs: 

#1 - The government regulated (Fannie Mae/Freddie Mac, FHA, VA)

#2 - The In-House loans (credit unions and local banks)

#3 - Lastly “Hard Money” 

The government regulated loans such as FHA are regulated – pretty heavily.  The banks and underwriters are worried…

Refinance Using Hard Money

You have loanable equity in your property, whether it’s residential, commercial or land, and want to borrow against it.  Loanable equity means the amount you can borrow that exceeds what you already…

Hard Money Loan of the Month

Two weeks ago a borrower called needing a loan to buy a new Rental Property in Sea Ranch, California as part of a 1031 exchange.  Her current Lender was unable to perform with the speed that was needed to satisfy the 1031 exchange and the Seller’s…