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Sun Pacific Mortgage

Bridge Loan
Owner Occupied Bridge

Property Types 2-4 Units, Condo, SFR
Lendding Area california
Loan amount Minimum $150,000
Loan amount Maximum $1,500,000
Interest Rate Minimum 10%
Interest Rate Maximum 14%
Points Minimum 1st TD 3
Points Maximum 1st TD 5
Terms 1 year, 15 year
Interest Only or Amortized Amortized and Interest Only Options available
Fees Processing Fee
Lien Position 1st
Prepayment Penalty No Prepayment Penalty
Intended Occupancy Owner Occupied Primary Residence
Fixed or Adjustable Fixed
General Pricing or Guideline info Owner Occupied Bridge/Temp/Long Term Consumer Purpose Loans (Purchase & Refinance) TERM: 11 months - Interest Only or 15 Year Hybrid Loan (3 years Interest plus 12 years fully amortized) RATE: 10% - 14% PREPAY PREMIUM: NONE LTV: 65% - 75% POINTS* & FEES: 3 - 5 pts Plus $2590 (Processing, Doc Prep, & Underwriting)
Updated as of 2024-01-11

Bridge Loan
Business Purpose Loans

Property Types 2-4 Units, Condo, SFR
Lendding Area california
Loan amount Minimum $150,000
Loan amount Maximum $1,500,000
Interest Rate Minimum 10%
Interest Rate Maximum 14%
Points Minimum 1st TD 3
Points Maximum 1st TD 5
Terms 1 year, 2 year, 3 year
Interest Only or Amortized Interest Only
Fees Processing Fee
Lien Position 1st
Prepayment Penalty 3 months, 6 months
Intended Occupancy Non-owner occupied, Owner Occupied Business
General Pricing or Guideline info Business Purpose Loans Non-Owner, Owner Occupied Property (Purchase & Refinance) TERM: 1 to 3 years - Interest Only (Longer case by case) RATE: 10% - 14% PREPAY PREMIUM: 3 - 6 months LTV: 65% - 75% POINTS* & FEES: 3 - 5 pts Plus $2590 (Processing, Doc Prep, & Underwriting)
Updated as of 2024-01-11

Bridge Loan
Investment Property

Property Types 2-4 Units, Condo, SFR
Lendding Area california
Loan amount Minimum $150,000
Loan amount Maximum $1,500,000
Interest Rate Minimum 10%
Interest Rate Maximum 14%
Points Minimum 1st TD 3
Points Maximum 1st TD 5
Terms 5 year
Interest Only or Amortized Interest Only
Fees Processing Fee
Lien Position 1st
Prepayment Penalty No Prepayment Penalty
Intended Occupancy Tenant
Fixed or Adjustable Fixed
General Pricing or Guideline info Investment Property Consumer Loans (Refinance) TERM: 61 months Interest Only RATE: 10% - 14% PREPAY PREMIUM: NONE LTV: 65% POINTS* & FEES: 3 - 5 pts Plus $2590 (Processing, Doc Prep, & Underwriting)
Updated as of 2024-01-11

Summary of all Guidelines

Loan Types Bridge Loan, Hard Money Loan
Property Types Condo, Multi Family, SFR
Lendding Area california
Loan amount Minimum $150,000
Loan amount Maximum $1,500,000
Interest Rate Minimum 10%
Interest Rate Maximum 14%
Points Minimum 1st TD 3
Points Maximum 1st TD 5
Terms 1 year, 4 Years, 5 years
Interest Only or Amortized Interest Only
Prepayment Penalty None
LTV Bridge 60
Upfront Fees Loan Documents, Processing
Personal Guarantee /Recourse Required Recourse
Intended Occupancy Owner, Non-Owner, Owner bridge, Other
Special Features Non-Prime Consumer
Consumer Purpose Occupancy Types - 1st Mortgages Business Purpose, Owner Bridge, Yes

Trusted and Direct Private Money Lending

Faster funding! Our fastest loan so far: 48 hours

Credit score not generally a factor (bad or poor credit – we can still help you!).

Up to 65% – 75% LTV, case by case basis.

Help when turned down elsewhere for loans on owner-occupied and investment properties

Single Family Houses, Multi-Family Properties, Condos and Business Properties

Sun Pacific Mortgage is located in Santa Rosa, CA. They offer financing for Bridge Loans and Hard Money Loans. The property type they primarily lend against is SFR, Multi Family and Condo. Their minimum loan amount is $150,000. Their maximum loan amount is $1,500,000. They offer loans for a minimum Term of 1 year. Maximum duration of 1 year;4 Years;5 years. Although rates can change they are typically lending at a minimum rate of 10%. Maximum interest rate of 14%. Points charged are deal specific, but historically have charged a minimum of 3. Maximum points charged are 5.

These descriptions are limited information and meant for general reference purposes.
800 Mendocino Ave #2
Santa Rosa, 
CA
 95401