Sun Pacific Mortgage

Sun Pacific Mortgage specializes in loans for those who have been turned down elsewhere. They only lend in California and are based in the Santa Rosa area. Owned by Lynn and Forest Tardibuono, Sun Pacific Mortgage has been in business since 1988. As well as helping those who have been turned down for a loan by other lenders, the Tardibuonos believe that educating their clients about all aspects of home ownership is the greatest way to help their customers. These customers then refer others and additionally come back for refinancing. This fulfills the Sun Pacific Mortgage mission statement.

Loans offered by Sun Pacific Mortgage :

Sun Pacific offers loan programs tailored specifically for the borrower. The loan terms are explained in a clear and concise way with the borrower in mind. The loan application will be submitted to over 50 lenders and the best option will be chosen to fit the borrower’s needs. Their loan services include:

  • Purchase Loans
  • Refinance Loans
  • Debt Consolidation
  • Home Equity Loans
  • Second Mortgages
  • Rental Property Financing
  • Credit Impaired
  • Bankruptcies and Foreclosures
  • Adjustable Rate Loans
  • Fixed Rate Loans

Since Sun Pacific Mortgage works with the credit challenged, they include much advice on credit repair and bankruptcy in their website. They realize a fixed rate mortgage is not always available to the credit impaired and work to make the payments feasible for their clients. Sun Pacific is open to aiding the customer who is near bankruptcy with a refinance loan to forestall this major credit blemish. Sun will also pre-qualify the potential home buyer so his offer on a property will be taken seriously. This gives the buyer a starting point from which to look for housing, as he will know his loan limitations. Sun Mortgage also has a real estate division and can work with a client throughout the entire home buyer (or selling) process. They are happy to help those who wish to act as their own real estate agents (for sale by owner) and save the commission dollars.

Sun Mortgage sponsors seminars for the clients and potential clients at their offices in Santa Rosa. They include workshops on cleaning up your credit, for sale by owner and workshops for the first time home buyer. The feedback portion of their website even includes a contest with a restaurant gift certificate as prize for filling out a survey on their mortgage services. Sun Pacific believes that there is a home loan for everyone, regardless of their credit profile. With a “can do” attitude like that, Sun Pacific truly can help the borrower obtain the home of their dreams.

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