Even when inflation is high like today, Americans recognize owning a home is a powerful financial decision. Because inflation has reached its highest level in 40 years, it is more important than ever to understand the benefits of home ownership. Rising inflation means prices are increasing across every commodity, and that includes goods, services, housing costs, and more. When you buy a home, you lock in your biggest budgetary item each month.

For 9 years in a row Americans have…

With interest rates rising and inventory falling, it is no surprise that we found this May very different from last May.  Here’s a snapshot of what happened in three of the North Bay counties last month in single-family residence sales:

Sonoma County: 

• 492 Sold (22% fewer than 2021)
• 416 New Listings (40%…

Over the last thirteen years real estate has been in a Bull market, which changed the way that we look at the 7-year cycle that previously rang true. This heating and cooling of the market, low interest rates, and removal of subprime loans has created something better and different than before.

Some of the gains have been:

• Larger equity increases across the entire state
• Record low default and foreclosure rates
• High demand / Low Inventory
• An…

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See our recent blog about current market conditions:…

One of the hottest topics in the world of real estate today is the shortage of available homes.  There are just too many Buyers and not enough Sellers.  This means good news for Sellers, not so much for Buyers.  But as life begins to return to normal, that may begin to change.

If we look for the root cause(s) of this shortage, we find the…

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…