Are you running into stops or difficulties getting loan approval? You won’t have these stops with us!

At our family owned and operated company, we have helped well over 10,000 Borrowers/Buyers with our trusted and fast Private Money Programs – just like below:…

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…

Turned Down Elsewhere?

We Can Help Get You Fast Loan Approval!

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…

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…