All investors are looking for certainty and guidance with the Covid-19 crisis upon us.  We want to know what the best course of action might be.  A passage from a letter to the Berkshire Hathaway shareholders written by Warren Buffet in 1986 could offer some inspiration now:

“[O]ccasional outbreaks of those two super-contagious…

Loan of the Week

We received a request from a Sonoma County Broker, who had a borrower with a note that had come due. Unfortunately, this borrower needed more time to repair her credit in order to qualify for conventional financing, so needed a short-term Hard Money loan.

She required $550,000 to satisfy her…

Another great article and update by my Son and lead loan originator at Sun Pacific Mortgage & Real Estate!

Best, Forest – The Guy in the White Hat

Hard Money Broker and Co-Owner of family owned and operated Sun Pacific Mortgage & Real Estate, serving all of California since 1988! 707-523-2099   www.sunpacificmortgage.com. 

CA DRE license #010005559 and NMLS #289456…

Together We Will Get You A Loan!

With the help of more of our friends, we continue to stay busy, providing our alternative financing services to realtors, brokers and borrowers alike.

Call us today at 707-523-2099 with any questions or scenarios.  We’ll let you know what we can do for you and/or your…

My son, and Lead Loan Originator at Sun Pacific Mortgage & Real Estate wrote a great article highlighting an optimistic point of view on how the Real Estate Market has been performing.

 

In examining the March real estate market results, it is important to recognize that there is a time-lag of 3-6 weeks between a listing…

While there was a substantial change in the trajectory of the real estate market after the middle of March because of the stay-in-place order that was enforced, there were still some hopeful statistics to be found.  Here are some of the numbers relative to the whole month:

Inventory of properties for sale as of April 4th 2020 =

474…

Gathered More Friends…To Ensure You Get Your Loan!

Loan of the Week

Recently, a broker sent us a borrower who was looking to refinance a rental property.  He…

With strict regulations in place regarding self-distancing, what is to become of the real estate market? While California real estate sales is now deemed an “essential” industry, it does not mean back to business as usual.  All realtors still need to follow health guidelines and each city and county can stipulate what that looks like for their…

Despite all, we’re continuing to help Homebuyers, Homeowners, Realtors & other Brokers and Lenders with our alternative financing programs.

Alt-A Hard Money with lower rates can benefit those just barely missing out on conventional financing qualifications; Hard Money can be fast with FICO not the determining factor and any property…

There is no question that investing in real estate can be profitable. However, it is important to be realistic and that you keep your goals achievable.

First of all, you need to keep in mind that you will not make a profit overnight.  Secondly, you need to understand that the location of your property will play a critical…

Manning Up to Keep Loans Getting Done!

Loan of the Week

A mortgage broker from Contra Costa County sent us a borrower who was facing a very difficult problem.  Their daughter had some medical issues requiring quick attention, and they needed to find a way to pay for the medical…

Having been in the real estate and mortgage industry for over 3 decades, I have to say that I’ve survived many market changes – good and bad.  During the rough times I feel it’s important for leaders in our industry o share calming and factual information.

At my family owned and operated alternative financing company we are thinking outside of the box.…

One of the burning questions facing all Californians today is: with Californians self-distancing and “hunkering down” for the immediate future, what will the impact be on our real estate market and investments?  While this pandemic is causing an economic downturn, it hasn’t yet affected home values and most economist are still…

Keeping Busy. Keeping Safe.

Keeping Loans Happening!

Refinancing, home buying and investment purchases continue throughout California as the real estate market maintains its strength despite current circumstances.

For those of you needing any fast financing assistance or having difficulty elsewhere with…

Besides the wealth accumulation that property appreciation affords, tax breaks are another way homeowners benefit from their real estate investments.  Here are some facts that set the record straight on the tax advantages of homeownership:

1. Mortgage Interest:  Homeowners with a mortgage that went into effect before December 15, 2017, can…

Popular – Fast – Good Rates

Loan of the Week

A past borrower called looking for a loan of $630,400 so he could purchase a rental unit in Sebastopol, a town in western Sonoma County.  He was looking to supplement his income and add to his retirement portfolio.

He had a good down payment but since he was…

Popular – Fast – Good Rates

Loan of the Week

A past borrower called looking for a loan of $630,400 so he could purchase a rental unit in Sebastopol, a town in western Sonoma County.  He was looking to supplement his income and add to his retirement portfolio.

He had a good down payment but since he was…

Extra Lucky This

Saint Patrick’s Day!

* We’re Open For Business*

Bringing you extra luck this Saint Patrick’s Day.

After 32+ years we continue to be here to help get yours and/or your client’s loans approved fast with our alternative financing! 

Call us at…

The advice surrounding the volatility of the stock market has included everything from “Sell everything and buy gold, canned goods, and toilet paper” to “This is a tremendous buying opportunity”.

These extreme recommendations do not apply to real estate investing, however.  The best thing for you to do as an investor is calmly follow the…

Taking advantage of our most popular alternative finance program could be the best mortgage option for yourself or a client – with rates as low as *6%!

If the FICO score is good (640 and up), the loan to value is 64% or less,  and the property being purchased or refinanced is in good condition, then our Alt-A Hard Money Loan could be just the solution…