loans: Sonoma County Homes Selling Fast - If Priced Right... - 07/06/12 04:14 PM
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loans: The Market is Picking Up: The Raw Statistics - 05/15/12 03:18 PM
The Market is Picking Up
The Raw Statistics


My peers and I in the real estate industry have been saying for months that “now IS the time to buy!” before the market picks up this year, which we were sure it would. Well folks, here it is! We have the statistics, we have the hard evidence: the market is no longer in the slump we’ve been in since 2007!  Here in this blog are some of the raw statistics on why we think this is and why NOW, more than ever, is the time to buy before time runs … (0 comments)

loans: Costco: Our Supplier of food, clothes, jewelry and... loans? - 05/08/12 01:15 PM
Costco: Our supplier of food, clothes, jewelry and… loans?

Costco… We all know it and love it even though it’s where many of us spend too much money. But how can you resist the steals?! It’s nearly impossible. Costco has been our long time supplier of great deals on T.V.’s, prescription eyeglasses, photos, food, clothing, jewelry.. the list goes on forever. I didn’t think it would be possible, but Costco is the newest supplier of another commodity; Mortgage? Yes, Mortgage. CNNMoney put out a very informative article on the issue upon which this blog is based. The link for the … (5 comments)

loans: Real Estate Tools: My Favorite Calculator! - 04/10/12 02:45 PM
The Mortgage Calculator
My Favorite Tool to Suggest to Clients..

With all the changes happening in the market it’s no wonder that many are hesitant to buy. However all the evidence is pointing to Buy! Prices will never be lower, interest rates will never be more affordable and the competition is mounting, making the time to buy your home - now. I can even prove it to you.. the link below will lead you to a site with a number of different calculators. Some calculators will show you what your monthly payment on a certain kind of loan is while … (0 comments)

loans: New and Improved Hard Money: Lender's Viewpoint From Sun Pacific Mortgage & Real Estate - 04/05/12 02:51 PM
LENDER’S VIEWPOINT
By Broker, Forest Tardibuono
New and Improved Hard Money

 
 
Realtors take note...
I recently saw a Wall Street Journal article Explaining the Methods of Hard-Money Lenders (written July 21, 2011).  It begins with "As banks continue tightening their purse strings..." which is the theme of the article.  The article mentioned the increased use of Hard Money due to the "...tight lending these days..." of institutional lenders. 
It then goes on to explain the fact that the loans are concerned with "asset valuations and loan to value-ratios."…."There's no red tape."…. "Because there is little bureaucracy when compared with big banks, deals … (2 comments)

loans: Buying Versus Renting – Buying Now Wins - 03/23/12 11:54 AM
     Buying versus renting is a debate for many and earlier on renting was a better bet when it came to determining monthly costs, care and cost of family and especially one’s credit score. However, now buying is winning in majority of the debates. 
    It’s a good season for home re-sales due to the low housing prices though there is an increase (even if ever so slightly) in the home values which is good for appreciation.       See the detailed article below “Ain’t No Lie, It’s Cheaper to Buy”.  It includes broken down statistics, graph and city/state … (0 comments)

loans: Foreclosures Fall 8% During Last Month Alone! What this means for the market - 03/16/12 11:08 AM
Foreclosures Fall 8%, New Wave Expected
How it will affect the market


One of the plagues of today’s market continues to be foreclosures. It’s a word that makes many home owners shudder and a feeling of malcontent while to others it’s a “blessing” for they can possibly afford to buy this home for their family. I read an article this morning in Realty Mag with some [encouraging ] news about foreclosures and their percentages falling. First, however, we need to understand why foreclosures are more likely than not worse for the economy than not.
It doesn’t just affect … (5 comments)

loans: Loans Revisited: Hard Money or Private Money - 02/28/12 01:56 PM
“HARD MONEY” OR “PRIVATE MONEY” LOAN REVISITED

There are several types of loans you can use to purchase or refinance. This applies whether you are buying a home to live in, a home to rent out, or a commercial building. They include the standard 30 year fixed rate mortgage, the government FHA/VA loans, a commercial property SBA loan, or a Private Money loan.
Private Money is borrowed from private individuals. I bet you’veborrowed money from a relative. That was a Private Money loan, likely unsecured. It wasn’t from the bank or some other institution. Most private money lenders/investors lend money through … (0 comments)

loans: Bridge Loan: Little Know Loan Program - 02/17/12 01:48 PM
Little Known Loan Program

            I’d been racking my brain trying to come up with my Lenders Viewpoint article for this month.  I didn’t want to write another article about why it’s the absolute best time in years to buy a home because prices are at rock bottom.  I didn’t want to write about the fact that rates are lowest ever.  For sure I did not want to write about the mortgage interest deductions for a home or the fact that in many areas you can now own a home for cheaper than you can rent one.  Another subject I … (0 comments)

loans: Flipper Chicks Have a New Flip! - 01/05/12 02:36 PM
Hi All! In several weeks I’ll have a new Flipper Chick listing. I’m mentioning it now, before the house is ready, as I’ve had many requests to do so: This one is a cute 1920 vintage bungalow of 871 sq. ft. on a large lot w/big detached garage.  It’s 2 bedroom 1 bathroom and everything will be new!  This home is at 438 Bosley Street which is popular area with lovely neighborhoods & walking distance to downtown/Railroad Square.  Zoned “high density”, a second unit could be added on this lot.  The expected listing price is $209-219,000.
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loans: Flipper Chicks Soon to Have a New Listing! - 01/05/12 02:34 PM
Hi All! In several weeks I’ll have a new Flipper Chick listing. I’m mentioning it now, before the house is ready, as I’ve had many requests to do so: This one is a cute 1920 vintage bungalow of 871 sq. ft. on a large lot w/big detached garage.  It’s 2 bedroom 1 bathroom and everything will be new!  This home is at 438 Bosley Street which is popular area with lovely neighborhoods & walking distance to downtown/Railroad Square.  Zoned “high density”, a second unit could be added on this lot.  The expected listing price is $209-219,000.
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loans: Christmas Special on Homes this Holiday Season! - 12/14/11 02:14 PM
Tis the season for cold mornings, hot cocoa and deals on new homes! Two of our listings have had a price reduction just for the holiday season. Originally 760 Leo Drive was listed at $219,500.. for the holidays we've reduced the price to $209,900! This place has been newly painted, inside and out, has new carpeting, new roofing and windows and an upgraded bathroom and kitchen. The home is a three bedroom, one bath, 1,008 square feet sitting on a 5,662 square foot property. The best part about this home is the spacious fenced in backyard. It offers several raised beds with … (0 comments)

loans: Reduced Price for Christmas Special on Santa Rosa Homes! - 12/14/11 02:12 PM
Tis the season for cold mornings, hot cocoa and deals on new homes! Two of our listings have had a price reduction just for the holiday season. Originally 760 Leo Drive was listed at $219,500.. for the holidays we've reduced the price to $209,900! This place has been newly painted, inside and out, has new carpeting, new roofing and windows and an upgraded bathroom and kitchen. The home is a three bedroom, one bath, 1,008 square feet sitting on a 5,662 square foot property. The best part about this home is the spacious fenced in backyard. It offers several raised beds with … (0 comments)

loans: Flipper Chicks Offering Homes at Reduced Price for the Holidays! - 12/14/11 02:11 PM
Tis the season for cold mornings, hot cocoa and deals on new homes! Two of our listings have had a price reduction just for the holiday season. Originally 760 Leo Drive was listed at $219,500.. for the holidays we've reduced the price to $209,900! This place has been newly painted, inside and out, has new carpeting, new roofing and windows and an upgraded bathroom and kitchen. The home is a three bedroom, one bath, 1,008 square feet sitting on a 5,662 square foot property. The best part about this home is the spacious fenced in backyard. It offers several raised beds with … (0 comments)

loans: Reduced Price! Christmas Specials on Santa Rosa Turn Key Homes - 12/14/11 02:10 PM
Tis the season for cold mornings, hot cocoa and deals on new homes! Two of our listings have had a price reduction just for the holiday season. 
Originally 760 Leo Drive was listed at $219,500.. for the holidays we've reduced the price to $209,900! This place has been newly painted, inside and out, has new carpeting, new roofing and windows and an upgraded bathroom and kitchen. The home is a three bedroom, one bath, 1,008 square feet sitting on a 5,662 square foot property. The best part about this home is the spacious fenced in backyard. It offers several raised beds … (0 comments)

loans: Flipper Chicks Offering Christmas Specials on Santa Rosa Turn Key Homes!! - 12/14/11 02:09 PM
Tis the season for cold mornings, hot cocoa and deals on new homes! Two of our listings have had a price reduction just for the holiday season. Originally 760 Leo Drive was listed at $219,500.. for the holidays we've reduced the price to $209,900! This place has been newly painted, inside and out, has new carpeting, new roofing and windows and an upgraded bathroom and kitchen. The home is a three bedroom, one bath, 1,008 square feet sitting on a 5,662 square foot property. The best part about this home is the spacious fenced in backyard. It offers several raised beds with … (0 comments)

loans: Dual Open House in Santa Rosa this Sunday 12/11/11 - 12/09/11 02:12 PM
Happy Holidays! Christmas and the New Year are right around the corner and everyone is buzzing with excitement about new homes on the market. What better way to celebrate then to look for a new home to make your own?! Here at Sun Pacific Mortgage and Real Estate we have two incredible homes available for viewing This Sunday 12/11 from 1-4 pm. The first home available is at 369 Myrtlewood Drive and is priced at $227,000. This is a four bedroom, one and a half bathroom 1200 square foot house with a two car garage. Fantastically remodeled, this home has granite in the kitchen, refinished original hardwood … (0 comments)

loans: Two Santa Rosa Open Houses this Sunday 12/11/11 - 12/09/11 02:11 PM
Happy Holidays! Christmas and the New Year are right around the corner and everyone is buzzing with excitement about new homes on the market. What better way to celebrate then to look for a new home to make your own?! Here at Sun Pacific Mortgage and Real Estate we have two incredible homes available for viewing This Sunday 12/11 from 1-4 pm. The first home available is at 369 Myrtlewood Drive and is priced at $227,000. This is a four bedroom, one and a half bathroom 1200 square foot house with a two car garage. Fantastically remodeled, this home has granite in the kitchen, refinished original hardwood … (0 comments)

loans: Dual Santa Rosa Open House this Sunday 12/11/11 - 12/09/11 02:07 PM
Happy Holidays! Christmas and the New Year are right around the corner and everyone is buzzing with excitement about new homes on the market. What better way to celebrate then to look for a new home to make your own?! Here at Sun Pacific Mortgage and Real Estate we have two incredible homes available for viewing This Sunday 12/11 from 1-4 pm. The first home available is at 369 Myrtlewood Drive and is priced at $227,000. This is a four bedroom, one and a half bathroom 1200 square foot house with a two car garage. Fantastically remodeled, this home has granite in the kitchen, refinished original hardwood … (0 comments)

loans: Santa Rosa Open Houses This Sunday 12/11/11 - 12/09/11 02:06 PM
Happy Holidays! Christmas and the New Year are right around the corner and everyone is buzzing with excitement about new homes on the market. What better way to celebrate then to look for a new home to make your own?! Here at Sun Pacific Mortgage and Real Estate we have two incredible homes available for viewing This Sunday 12/11 from 1-4 pm. The first home available is at 369 Myrtlewood Drive and is priced at $227,000. This is a four bedroom, one and a half bathroom 1200 square foot house with a two car garage. Fantastically remodeled, this home has granite in the kitchen, refinished original hardwood … (0 comments)

 
Lynn Tardibuono, Sun Pacific Mortgage and Real Estate (Sun Pacific Mortgage & Real Estate)

Lynn Tardibuono

Sun Pacific Mortgage and Real Estate

Santa Rosa, CA

More about me…

Sun Pacific Mortgage & Real Estate

Address: 800 Mendocino Ave, Suite 2, Santa Rosa, California, 95401

Fax: (707) 523-1875

Office: 70(752) 320-9911

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