The North Bay's Hard Money Lender Since 1988

Call Today! (707) 523-2099

The Hard Money Guys In The White Hats

We are a family owned and operated company here at Sun Pacific Mortgage.  We opened our doors here in Northern California, in beautiful Sonoma County,  in January of 1988.  Since day one we have always offered our unique real estate financing for those turned down elsewhere or just looking for a fast home loan.

We provide this alternative financing option, also known as Private Money or more popularly Hard Money,  for real estate purchases and refinances throughout California.  As we have been in the North Bay area for over 3 decades, we have hundreds of private Investors and have completed thousands of transactions in the many counties including Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano and our hometown of Sonoma County.

Hard Money loans are mortgages funded by individuals acting as Private Investors. These investors make loans to those who have equity in a property they presently own or for real estate they desire to purchase; Qualifications are not based on one’s credit – be it poor or bad credit – or recent foreclosures, short sales,  property condition not good enough or even with difficult to prove income as one is self-employed and having difficulty qualifying elsewhere for a mortgage.  Our types of loan programs require far fewer qualifications and can be funded much faster than a conventional loan!

We are licensed Realtors, Lenders & Hard Money Mortgage Broker and we take pride in keeping up on any and all changes to the real estate & financial markets as well as new regulations in lending.   We prefer to work closely with all of our individual Home Buyers and Borrowers as well as their referring Lenders, Loan Originators or Brokers in Real Estate and conventional financial institutions.   As they may not always have the programs needed to satisfy their clients’ needs, we are here to help increase success rate and make them happy home buyers and home owners.

We have assisted many Realtors from San Francisco, San Mateo, Santa Clara and other North Bay Area counties to get their clients into homes, whether it be through a short-term bridge loan or a first mortgage.  We lend regardless of whether it is for primary residence, an investment property, single unit or multiple unit and it can be residential, commercial or bare land.

If you have ever been turned down by the bank or other traditional Lender for any type of real estate loan in the North Bay Area Counties from Sonoma County on down to Santa Clara County – and then any other Southern California cities or Counties as well – contact us and we can let you know how we ca help.

Call us today at 707-523-2099 or email us through the form below.  We look forward to being able to help you or someone you know!

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Best, The Sun Pacific Mortgage Family Team

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