Except for San Francisco and San Mateo Counties, home prices in the Bay Area remained relatively flat according to data provided by local Multiple Listing Services.  Year-over-year prices flatlined across the Bay Area, except in Santa Clara and Sonoma Counties where prices retracted. All four of these counties, however, have reached historically high…

You or your client being turned down elsewhere for a home mortgage?  This is where we can come in and help with our alternative financing programs – also known as Hard Money.

Call us at 707-523-2099 today with any questions or scenarios you have. We’ll get back to you quickly!

Recently Funded…

All of us would like to think we are going to retire someday, and hopefully, it will be comfortably. To that end we are encouraged to contribute to a 401K.  Unfortunately, the growth rate of most 401K accounts will not offer us the retirement we anticipate. As an example, even if you were to put $250 a month into a Roth and get a modest 3.5% return on your…

This Home Buyer Was Turned Down Less Than 1 Week To Close of Escrow.  Below is the thankful Realtor’s testimonial:

“A guy in a white cowboy hat was boarding a plane in Seattle when he gets a phone call from a frantic agent: HELP! My client’s loan got denied and it has to close on Friday! (Keep in mind it is now…

Self-employed borrowers have always had a difficult time proving their credit worthiness; however, there is a solution.  Despite the roll-back on mortgage regulations, there is a product known as an “alternate documentation” loan, which has helped potential homeowners overcome this obstacle.

Let’s look at a variety of situations which might make…

Despite being turned down by other Underwriters or Lenders, get fast approvals and funding of loans here!

Make us your first and favorite Hard Money Lender. We can help those turned down elsewhere and our specialty is speed.

Call us today at 707-523-2099 or email us back with any scenario.  We will you know quickly…

Assuming you have enough equity in your home, accessing it to pay off much higher consumer debt is a viable and cheaper alternative.  Paying off high-interest credit cards or high-rate loans with a lower-interest home loan makes sense for many borrowers. However, as with any choice, there are Pros and Cons to be considered.  Let’s…

Non-Owner Purchase – Daly City, California 

A Mortgage Broker contacted us about a Borrower who was having difficulty getting loan approval for an investment property purchase.  He had another property which had incurred some late-payment penalties and so his credit wasn’t good enough. 

This was not an issue for our Hard Money loan…

In 2018 the Pew Research Center released a report showing that almost 1 in every 5 Americans lives in a multigenerational home.  In fact, the numbers of two or more adult family members living under the same roof increased from 26.8 million in 1960 to 64 million in 2016.  Why the increase in this type of living arrangement?

Generally, two…

Last year a survey conducted by Trulia reported that 60% of Americans living in homes over 2000 square feet, reported that they…

Lately, we have seen the financial media spouting fear, uncertainty, drama, and doubt.  Wall Street sends us on a roller coaster ride every day, while the Everyman continues to go to work, get the same paycheck, pay the bills and largely tries to ignore all the drama.  This explains why investing in Main Street has proven to be so…

Make us your first and favorite Hard Money Lender.  Call us today at 707-523-2099 or email us back with any scenario.  We’ll let you know quickly how we can help.

Hard Money Loans Recently Funded

We Offer FAST Financing, Big Loans, we can Finance Despite Credit Issues, Property Condition & Difficult-To-Prove-Income.

$500,000 –…

Renovations have been known to lead to many unforeseen disasters, but it doesn’t need to be that way.  With the proper preparation and due diligence, pretty much anything can be avoided. We have all heard the horror stories of living a totally upended life during a renovation, and of timelines being ignored by professional contractors.  If you are…

1. It’s Fast!
   
   We have done many refinances and purchase loans in less than a week.
2. Only TWO main qualifications for a Hard Money Loan!
   
   A. Equity or a decent down payment.
   
   B. An ability to repay the loan (source of income).
3. Credit Score not generally a…

Parents shopping for a home have different considerations than other demographics.  As parents, their primary concern is the safety and well-being of their children, at the same time, they are also concerned with the happiness of the entire family.

Most buyers start their home search with a list of “must-haves”.  When children are a…

Program Attributes:

– Fast Funding – Many closed in less than 5 days

– Loans from $150,000 to $1.5 Million

– All property conditions accepted

– Difficult-to-prove income and FICO scores not an issue

– Can…

With Spring comes an uptick in serious buyers looking to invest in property, each with their own agenda.  Among the most common reasons buyers will tell you that they have chosen this type of investment, five stand out as most common:

1. Cash Flow: Buyers are looking for a monthly cash…

We can CRUSH those slow loan approvals and overcome loan disapproval with our Hard Money programs!

Let us help you overcome all your summer alternative financing needs for real estate purchases and refinances. Read below to see some of our recently funded loans.

And Call Us today at (707) 523-2099 to see how we can help you, a friend or a…

A recent study of Millennial buyers examined the reasons they are choosing to buy a home at this time.  Here are the results:

1. To Control their Living Space – 93%

Many a renter has dreamt of painting their space to reflect their personal style. Some Millennials yearn for a pet they are prohibited from owning because of…

“[Sun Pacific] did a fantastic job. They were honest, straightforward, to the point, loyal to the borrowers, and got me a 24-hour turnaround from docs to having a full package! They were very professional and loyal to their word.  I would recommend anyone to go there for business!” C.M.

Santa Rosa Rush…