Our Direct Private Money loans can get that refinance or purchase loan done when a traditional Lender unfortunately cannot.  And, we can QUICKLY FUND!

Recently Funded…

For a variety of reasons, thousands of California Homeowners are adding Accessory Dwelling Units to their property. Whether it is for housing adult kids, aging parents, or another source of income, these smaller homes can be built for a fraction of the cost of a new house and can be installed relatively quickly.

These units are viewed as part…

At Sun Pacific Mortgage we resolve lending issues – for investment properties & primary residences alike!  We’ve helped many Brokers, Lenders and their Borrowers find a comfortable way out of seemingly impossible situations, like we recently did below:

Loan of the…

A newsletter to current and future Investors at Sun Pacific Mortgage

For over 34+ years in the lending business, we have always viewed our Investors as our biggest asset.  Without…

Private Money – The Bridge To A Future Home

After 34 years of experience, we are specialists at helping bridge the distance for individuals who need additional financing to buy a…

Just as the pandemic put a temporary damper on the housing market, so too did the jump in mortgage rates. But just as the economic shut down didn’t have a lasting effect on the market, neither will this increase in mortgage rates. And the reason is the same – very little inventory. There are still more Buyers than Sellers and that is driving the…

We’re Direct Lenders – The Guys In The White Hats

Take advantage of our Private Money Programs if you are in need of FAST financing.  We can also help if their debt-to-income…

Analysts, Economists, and Industry Commentators have much, and sometimes divergent, opinions about the present and future of real estate in Sonoma County. They all agree, however, that sales data in the coming months should provide more concrete indicators of the market condition.

The experts have commented that when hot markets shift to cooler, the effects are typically reflected in reductions in multiple offers, overbidding, and the number of homes going into escrow. All these…

Our Hot Private Money Program

Are you just short of qualifying for your traditional “A-paper” loan for a refinance or purchase? Let our HOT …

The short answer to this persistent question is, “Nobody knows.”  This statement comes from Edward Seller, Associate Vice President for Housing Economics at the Mortgage Bankers Association.

So, where does that leave the everyday Homebuyer with rents soaring faster and steeper than mortgages? One Redfin Realtor said that she hears people are…

Bridge The Distance with Private Money

Do you or someone you know want to consolidate debt?  How about upgrade your house, purchase a rental for additional income, get your kid…

Some might consider interest rates to have the most influence on the housing market, but that is only one factor in a confluence of factors including: local economic conditions, financial markets, housing affordability, consumer confidence, inflation, migration, the pandemic, war, debt, and government policies. Each of these conditions can have major…

Hold Onto That Loan With Private Money

If you or someone you know are having a tough time getting that refinance or purchase loan done, give us a chance to help you hold onto that…

The real estate market in California mirrored the rest of the country in 2021. Home prices increased by double digits in the more affordable areas, such as Sacramento and Riverside. The San Francisco Bay area had more modest increases, due in part to Buyers being anxious to relocate to more affordable, suburban areas. The San Francisco housing market…

We Wrangle In Those Loans Turned Down Elsewhere!

We have two main qualifications:

1. At least 25% down payment or good existing equity and
2. An ability to repay the loan.

Loan of the…

Buyers are depleted, stretched, and disheartened after bidding often over the past year and falling short. Over the past 12 months U.S. home prices are up 18.8% – an increase larger than any 12-month period leading up to 2008.

Unfortunately for Homebuyers, but good news for Real Estate Investors and Homeowners, Zillow’s latest forecast has the…

Trust These Private Money Lenders For Fast Financing

For over 3 decades now we continue to offer our trusted, fast alternative mortgage financing for both real estate purchase and…

A high inflation rate means prices rise across the board so it is reasonable for someone to say “Yes”, but while home prices aren’t an exception, this should not be the reason keeping you from buying a home in 2022. We are aware of the appreciation that has occurred in the real estate market for the past couple of years, and the experts say we can…

Get Ahead Of The Herd With Private Money

Need to pull equity out of your home? How about a quick refinance? Get you or someone you know ahead of the herd with our Direct Lending Programs!

Loan of the…