Services Provided

#1 Special financing loans (bad credit, difficult-to-prove income, need fast cash, etc. - no problem for our Hard Money loans!).

#2 The best Northern California Real Estate Agent hook-ups.

#3 Work with you as a Private Investor to safely invest in real estate.

We are a family run, local Sonoma County business since January of 1988 that regularly services Northern California. We are licenesed for the state of California and are members of the Realtors Association .

Our purpose has always been to educate Borrowers and Buyers so they can make informed decsions. We formed this company with the ideal of helping people get quality real estate financing and helping those who were turned down elsewhere.

We have over 50 years of combined experience in the real estate and lending/mortgage markets. In keeping with our ideal of helping you, we have evolved along the following lines:

Loan Origination Made Easy:

With the fluctuating market, many lenders are creatively packaging home loan programs, which although innovative, are often complex. At Sun Pacific Mortgage & Real Estate we can take the guesswork out of your real estate purchase or refinance.

For fast cash without decent credit scores, Sun Pacific Mortgage & Real Estate can get you a Hard Money loan (also known as Private Money) from one of their many Investors.

If you have any problem with some property, credit problems or problems verifying income but you have some equity, then this Private Money loan is just for you.

For Conventional Loans, with our longevity in the loans business, we can get you with the right experienced Loan Officers who will make the loan go right!

Call NOW for FREE consultation and pre-qualification. 707/523-2099

We can also help do refinances . With our guidance you will get the right program that fits your special needs, whether it be Free debt consultation, lower rate and term, or home improvement.

We recognize that assisting you in getting that loan program which best accommodates your financing needs, can be as equally as important as finding that special house.

Real Estate Made Easy:

If you specifically want a home that is move-in ready so you don't have to invest in further money after you buy the home to make it liviable - but you want something that is affordable - give us a call and we can help you!

We have access to move-in-ready or turn-key homes throughout Sonoma County. We are very experienced with the real estate and lending markets due to being in business since 1988.

If you are looking to buy a home, we will connect you to some of the most experienced Agents who will aid you in the entire buying process.

Let us show you the true benefits to buying a home. See how it might even be cheaper than your current rent!

Call NOW for FREE consultation and pre-qualification. 707/523-2099

Whether you see a home advertised in the newspaper or just see a sign, no matter whether it's listed with another agent or with us, if you have an interest in it then we can get you on the right route to buying that home.

We also have access to every financing option available, including the more creative ones, ie. lease option, carry backs, etc. so can assist on this aspect, so you can buy the home you want.

Short Sale Listing can help you save your credit by allowing Sun Pacific to help you sell your house for less than is owed against it. This will lessen the crushing blow dealt to your credit by a foreclosure.

If you are under on your mortgage or owe more than your house is worth or are about to go into foreclosure, you need to check out your Short Sale options.

With experience in the Real Estate market since 1988 we know the best Short Sale tactics and can get you with the most experienced Short Sale Agent who will get your house sold with the least amount of adverse affect on you.