The North Bay's Hard Money Lender Since 1988

Call Today! (707) 523-2099

California North Bay Area

Hard Money Lenders


Opening our doors in January 1988, we have been in business for over 3 decades.  Since this time we continue to offer our alternative real estate financing for those who just need a fast loan, want to make an all-cash offer, were turned down elsewhere, have difficult to prove income, foreclosure or short sale – doesn’t matter.  Despite your favorite bank, other mortgage brokers and lending institutions having increased covid-19 regulations and fees, our programs have remained the same.

We have two main qualifications:

  1. Decent equity on an existing property or a good down payment on a purchase
  2. An ability to repay the loan (A source of income.).

We are family owned and operated since 1988 and pride ourselves on keeping abreast of the ever-changing lending regulations so that you as the borrower or as an investor are protected.


Trusted by over 10,000 borrowers, we have provided private money loans – also known as Hard Money –  for all areas in the North Bay including Sonoma County, San Francisco, Marin, Alameda, Contra Costa, San Mateo, Santa Clara and on and on.   We even offer this same financing for Southern California cities and counties.  From a smaller single family home purchase to higher-end large multifamily homes, we can get you financing;  We offer smaller loans of $150,000 on up to Jumbo loans of 1.5 million+.

We have gotten many loans done in less than a week so if you need a rush loan, give us a chance to help!

Call us today at 707-523-2099, email us by sending in the form below or come in and visit our office in Santa Rosa.

For a Free Consultation,
Call us Today!

(707) 523-2099

Need More Info?

Do you have a question? We can help. Simply fill out the form below and we’ll contact you with an answer, and no obligation to you. We guarantee your privacy.

    Your Name (Required)

    Your Email (Required)

    Your Phone Number (For only us to call and answer your questions)


    Your Message

    The Sun Pacific Mortgage & Real Estate Team