San Jose's Hard Money Lender Since 1988

Call Today! (707) 523-2099

San Jose

Hard Money Lenders


Our loan requirements are really just 2 things:

  1. Decent equity in an existing property – owner occupied or non-owner occupied and at least 25-30% down payment for a purchase.
  2. An ability to repay the loan, so a source of income to show you can repay full amount.

And that’s really it.  If you have poor credit, difficulty to prove income, property needs fixing, recent bankruptcy or foreclosure, etc. – no problem, we can still help!


If you live in San Jose or surrounding cities and counties, Sun Pacific Mortgage and Real Estate is here to help get you that real estate loan you need.

Our private money loan programs cover investment properties, owner occupied properties, some commercial and land – for single units and multiple units. Our minimum loan amount is $150,000 and we go up to $1million+.

Our family owned and operated company has been California’s Hard Money Lender since 1988. We know how to get you a loan and we know how to do it fast and right!

For a Free Consultation,
Call us Today!

(707) 523-2099

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The Sun Pacific Mortgage & Real Estate Team