No need to get furious because of a denied loan. Get loan approval and fast financing using our Hard Money loan programs!

A Real Estate Agent reached out to us in hopes of saving his Buyer’s purchase.  At the last moment the Lender was unable to get final Underwriter approval and Escrow was supposed to close in less than 2 weeks.

We got right to work…

Many California buyers today face the harsh reality of jumbo loan shopping.  Real estate prices what they are, larger loans are often the only option if you plan to purchase or refinance.  In California a loan is considered “jumbo” when it exceeds $726,525. (For a single-family home in other parts of the country it is $484,350.)  

But what…

HARD MONEY LOANS APPROVED & FUNDED:

We Finance Despite Credit Issues, Property Condition &

Difficult-To-Prove-Income. And we offer FAST Financing!…

“My loan payoff with another lender is due in 3 weeks, but I need just a few more months to qualify for a conventional loan. Can you help me get a fast refinance?”



This borrower needed a temporary loan of $525,000 for a property in San Diego. Our Hard…

We attended the California Mortgage Association quarterly conference in Newport Beach from last Wednesday through Friday.  The Keynote Speaker was noted economist Christopher Thornberg from Beacon Economics.  On the current market place he states…  “This isn’t optimism, there is simply nothing out there at the moment, whether it’s the sell off in the…

A recent article based on the remodeling and design platform, Houzz, forecast some trends to look for in the coming year.  With HGTV shows continuing to capture our imaginations and wallets, we might want to know that we are in step with the design world.

Here are some examples of the forecasted changes:

• Full-height backsplashes extending all…

“Awesome on every level!  Very professional.  Able to secure the perfect loan for my situation.  I highly recommend Sun Pacific Mortgage & Real Estate to anyone needing a hard money loan!  If there were ten stars available to rate with, I would give Sun Pacific all ten!  Thanks guys!!” Borrower J.G.…

 According to a majority of expert real estate prognosticators, 2019 will continue to bring a rise in home prices, as well as an increase in inventory.  All four major reporting agencies believe that home sales will…

A Mortgage Broker reached out to us for a client who needed additional funds to complete a commercial property remodel.  He was on a time crunch due to prior contracts with his tenants, so needed a fast loan.

The building was in San Fernando Valley and the owner needed $805,000.  Due to property condition, he wasn’t getting loan approval. Our Hard Money programs…

Investing in Deeds of Trusts has been around for quite some time.  In the most simplistic terms, loans made via these real estate investments are like mortgages, except that there is an investor or pool of investors making the loan instead of a bank or lending institution.  

Trust deed investing can provide high returns.  In fact, private…

If someone is out looking for homes in the winter season, it is usually a sign that they mean business.  So how do you, as the Seller, take advantage of this available market?

Start by making sure that the exterior of you home is as warm and inviting as the interior.  Bare trees make for a more exposed home, so freshen up the outside of your home by…

Recently a Real Estate Broker had a client in need of fast financing.  His Home Buyer made good income and had good credit, but due to being self employed with difficult to prove income, the prior Lender couldn’t pull through at the last minute.

The needed loan was $763,000 for a 70% loan to value to buy a non-owner, investment property in Sonoma…

“True ‘Captains of American Lending’, you guys are blazing the way through complications & compliances of old lending and are true pioneers of the future.”  Borrower, M.F.…

There are so many other factors besides the size of your home that affects its value.  How about the materials used in the construction of the unit, the upgraded amenities, and most importantly, the location?  One example is a completely renovated kitchen and/or bath does not add square footage to your property but will certainly add to the…

Happy New Year!

“Out with the old and in with the new” is a common mantra for the new year. Our 2019 mantra to you is: “Out with the slow loan approval and in with faster & bigger loan approvals!”…

When we review the real estate market over the past couple of months, more than a quarter of listed homes has had a price drop according to Redfin.  Additionally, the supply of homes has increased for the first time in three years according to the National Association of Realtors. There has been a market shift, especially in California.…

Just 2 more weeks until the end of the year!   Time to buy those last-minute gifts, move into your new home, or complete that refinance so you will have extra cash for this time of year. Let our Hard Money loan programs help you wrap up a great Holiday!…

Looking at the real estate market today can be…

“I was referred this loan from a colleague in my office. These people sold their home and were living in a hotel. They depended on me to get this done and because I knew you could and would do it, they now have a way to close escrow on their new home!

Even though the rate and term are hard money, they are paying less than their previous…