Sacramento's Hard Money Lender Since 1988

Call Today! (707) 523-2099


Hard Money Lenders


People get a hard money loan for a few usual reasons:

  • Credit score not high enough from a bank loan or other conventional lender.
  • Fast cash is needed. Private Money can fund within days whereas conventional financing can take 30-60 days to fund.
  • The condition of property being purchased or refinance does not qualify for a bank home loan or other local lender.
  • One is buying a principal residence or needs to refinance their owner occupied home.
  • A jumbo loan is needed quickly.
  • Someone needs a short term loan for bridge financing.


Sacramento home buyers and investors can rest easier having found us, Sun Pacific Mortgage and Real Estate. With our many years of experience, we have helped thousands of home buyers and home owners get a loan when turned down elsewhere and stand ready to help you too!

We have multiple loan programs for single family, multi-family, investment properties, owner occupied properties, commercial and land deals. Minimum loan amount is $100,000 and we go up to $1million+.

California’s Hard Money Lender since 1988, we are family owned and operated and deliver friendly, fast, honest hard money loans.

For a Free Consultation,
Call us Today!

(707) 523-2099

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The Sun Pacific Mortgage & Real Estate Team