Sun Pacific Mortgage Offers New & Unique Alt-A Hard Money Program

SONOMA COUNTY, CALIFORNIA: Sun Pacific Mortgage & Real Estate (https://www.sunpacificmortgage.com/), a Hard Money Lender for over 3 decades, has begun offering a new type of loan Program for the many home buyers and borrowers who are turned down elsewhere for a real estate loan: an Alt-A Hard Money Program!

They are located in Northern California and are licensed for lending throughout the state. This one of a kind Alt-A Hard Money loan is the perfect solution for a home buyer or borrower who just cannot get approved for a home loan, by another conventional or traditional lending institution. They miss qualifying by a slim margin; In other words, they are almost qualified for a standard bank loan but not quite.

Sun Pacific’s Alt-A Hard Money loans provide the solution to those who want to buy a home or refinance but get told “no”. These typically have rates from *6-8% – which is considerably lower than the average Hard Money rates. This program is for borrowers and home buyers with a credit score of 640 or higher, a 35% or more down payment, and on a property in good shape and in a good neighborhood. Many borrowers with this type of loan will end up refinancing in a year or two when their credit improves or the other disqualifying circumstance(s) resolves.

Sun Pacific Founder, Forest Tardibuono, states “Because of the demand from both borrowers and Investors, we have begun offering this new loan, in addition to our traditional Hard Money Loan Programs. We have many Investors who are interested in these types of loans. For borrowers who are just shy of qualifying for “A” paper, you can quickly get approved for this lower-rate Alt-A Hard Money Program. And we can turn these loans around quickly, in 2 weeks or less.”

He continued, “Just recently we funded a loan. A real estate agent called with a rush request from her home buyer:  He needed a $599,000 short term loan to buy an investment property in Mill Valley.  His current lending institution was confused by his company being the buyer so was not approving the loan. His credit was over 750, he had a good down payment allowing for 59% loan-to-value, he made great monthly income and had a lot of other real estate assets as well as excess funds in the bank. He was a perfect borrower. Except he had to wait too long due to unnecessary confusions from his lender, so now he needed fast loan performance.  This is where we stepped in with our Alt-A Hard Money Loan program with a 6%* rate and had his loan funded in just under 1 week!”.

Forest and Lynn Tardibuono are Founders and Owners of Sun Pacific Mortgage & Real Estate, located in Santa Rosa, CA, north of San Francisco. The company was founded in Sonoma County in January 1988, to provide honest real estate transactions and alternative financing to the community. To this day it is still family owned and operated.

They offer their traditional Hard Money Loan Programs and Alt-A Hard Money for real estate needs throughout all of California. From the moment the company started, they have specialized in borrowers and home buyers who were “turned down elsewhere”.  This financing is known as Hard Money or Private Money and is Sun Pacific’s specialty. Such loans are funded by individuals who live locally, therefore there are less qualifications and it is faster to get the funds – unlike other lending institutions which require much more qualifications and require 30-90 days to funding.

Their website can be seen at https://www.sunpacificmortgage.com/ or they can be reached at (702) 523-2099. They stand ready to get help you with a Hard Money loan where others turn you down!

Company DRE license # 0146899 and NMLS #360993
*APR for this rate based on a $200,000 first mortgage is 6.31%

3 Reasons You Should Hire a Professional for Tree Care

By Nancy Penrose

The trees on your property require routine maintenance. As time goes on, you may notice limbs look dangerously low, or maybe signs of health issues look like they’re popping up. Fixing these types of things yourself may be your first thought, but hiring a professional is a better choice, whether it’s a small job or a large project. Here are a few reasons why hiring a professional for your tree care is the right way to go.

1. Professionals know everything there is to know about trees and their health

Trees are susceptible to health issues just like humans or animals. If left untreated, the tree can have major consequences to its appearance and livelihood. The cause of any health condition can vary, but a professional will know exactly how to solve the issue and the best way to do it so you can save time and money.

2. Safety

It’s no secret that tree care professionals have safety at the top of their mind. Especially when it comes to heavy branches, limbs that are too low to walk under, or branches growing too close to the house. A professional will be able to keep your family safe while carefully removing these parts of the tree.

3. Have a beautiful yard

It may seem easy enough to trim your own hedges, but an untrained eye can create quite an eyesore. Professional arborists know how to manicure all types of trees in ways that will add value to your home and make your outdoor space beautiful.

At Big Trees, we are happy to come by and check out your trees for safety and health. Just contact us today at (866) 313-2333 to get started.

Nancy Penrose is owner of Big Trees Inc. (https://bigtreesupply.com), (tree nursery Snohomish, WA), one of the largest Seattle tree nurseries, specializing in large trees for sale and transplant tree service. Learn more about tree preservation at https://bigtreesupply.com/tree-care-maintenance/ and for more tips on tree care or installation go to privacytree.net. See our video at https://www.youtube.com/watch?v=A6vVhNW1XJI and connect with us on Facebook at https://www.facebook.com/pages/Big-Trees-Inc/193731105108.

Big Trees Inc. Assists with Landscaping Between Two Estates

SNOHOMISH, WA: Big Trees Inc., (https://bigtreesupply.com/), a tree sales and transplant company in the Seattle area, was asked to assist with a landscaping situation between two estates in Medina, WA.

There was a row of very tall, older Western Red Cedar trees between two large estates, and the trees had become unstable. It was unclear if the trees would remain standing if a heavy wind event were to occur, and if they were to fall, they would hit one of the residences.

Once the decision was made to remove the trees for safety reasons, there was uncertainty on how to re-establish the privacy that the trees had created. Big Trees was contacted for a solution to the shared landscape. After an on-site consultation, Big Trees suggested a solution.

The measurements were taken of the length of the necessary screening effort, as well as how tall the trees would need to be to accomplish the desired privacy. Excelsa Cedars were chosen to be the best choice for the location because of their 25 to 35-foot height.

“It’s very exciting to see such a large landscape installation occur for our clients, and to feel the appreciation for what we are able to offer them. Our large trees are able to make such an immediate difference for the privacy of both estates.” said Nancy Penrose, owner of Big Trees.

Nancy Penrose is the owner of Big Trees Inc., located in Snohomish, WA in the Seattle area. The company is one of the largest tree nurseries in the Seattle area with over 120,000 trees available in over 300 varieties. They not only deliver young trees, but also mature trees in a wide range of sizes. Some types of trees available include spring flowering, deciduous, evergreen, and privacy trees. The company also does tree transplanting including large trees. Their blog can be seen at https://www.bigtreesupply.com/blog/ or http://arboristblog.com/. They can be reached at 360-563-2700.

Silva Construction Restores Fire Damaged Master Bedroom

SAN PEDRO, CA: Silva Construction, (https://www.silvaconstruction.com/) a residential and commercial remodeling company serving the south bay area of Los Angeles, recently restored a home that had been damaged by a fire.

The fire in the home was started by an incandescent light bulb that was in one of the closets in the downstairs master bedroom. The contents of the house, down to the studs, were totally destroyed or damaged. Although many of the framing members had to be replaced, the overall structure stayed intact. Three small ceramic cows survived the fire which are now displayed in their new kitchen.

The family decided to renovate and add onto their current space, adding a new balcony with a larger master bedroom. The steps Silva Construction had to take to renovate their room included:

  • Tearing out all of the fire damage from the fire.
  • Drawing up plans for the new addition for the balcony and getting it approved by the city.
  • Replacing or repairing all damaged wood, framing and plumbing so the structure could be sound again.
  • Building the foundation, framing, plumbing and electrical to complete the add-on and the rest of the room to a full restoration.

Dave Silva, Executive Director of Silva Construction, stated “It is very rewarding to work with a family that was hit by a tragedy like this, and help make them whole by putting their home back into shape for them to live in it again. ”

Dave Silva and David Clarke are owners of Silva Construction, Inc., located in San Pedro, CA. The company has over 40 years of experience in remodeling construction, and serves Southern California’s South Bay area, including Westchester, El Segundo, Manhattan Beach, San Pedro, Hermosa Beach, Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills, Harbor City, Lomita, Torrance, and other select areas. Their blog can be seen at https://www.silvaconstruction.com/blog3/ and their website can be seen at https://www.silvaconstruction.com/. They can be reached at 310-831-6310.

5 Popular Types of Flooring for Your Home

By Niko Papaheraklis

So, you’re thinking of changing your flooring, but you’re not sure what all your options are. Well, we’ve got you covered! Below, we’ve listed out the most popular types of flooring, the cost of each, their pros and cons, and where each type is best suited in your home.

1. Wood Floor

Hardwood floor is popular for a good reason! It looks great and has great resale value. They’re easy to clean and maintain, and usually only require vacuuming or sweeping. It’s easy to add any type of furniture to the space, so your design options are vast.

Wood floor is perfect for living rooms because it’s stylish and can remain protected since it’s not a high traffic area.

The largest drawback when it comes to wood floor is the cost. Depending on the type of hardwood you go with, it could cost you between $3 and $12 per square foot. And on top of that, you will need to pay to get it installed. A couple of other cons is that they can be loud to walk on and are cold in the winter months.

2. Laminate

Probably the best thing about laminate flooring is that it doesn’t easily scratch. The next best thing is that it can look like real wood or tile. Just like hard wood floor, laminate is easy to clean and is great for pets since they can’t scratch it.

Costwise, you’re looking at anywhere between $0.50 to $3 per square foot, plus the cost of installation. The best rooms for laminate flooring is in high traffic areas because of its durability. The downside to laminate is that if it gets ruined, you can’t refinish it.

3. Vinyl

If you like floor that is quiet and easy on your feet, you’ll love vinyl. However, vinyl doesn’t look as good as the real thing, and it tends to dent and tear easily. The cost of vinyl can be as low as $1 and as high as $5 per square foot. Vinyl is a great option for laundry rooms as it can reduce the noise from laundry machines.

4. Tile

Durability and scratch resistant is what tile is best known for. It’s water resistant and comes in a variety of sizes and materials. Plus, it’s not difficult to clean and doesn’t stain all that easily. Due to the variety of tiles, the price can range from $1 to $20 per square foot.

The downside to tile is that it can be very loud to walk on and it’s cold in the winter. And if your tile cracks, it can be difficult to repair. The best rooms for tile would be bathrooms or kitchens, or any space where food and drinks spill frequently.

5. Carpeting

With a wide range of styles, textures and designs, carpet offers homeowners a lot of versatility. Living rooms, Stairs, bedrooms, family rooms – carpet can be laid down in nearly any place of the home.

Here are some pluses and minuses of carpeting.

  • It provides warmth and comfort to your home
  • It is available in limitless colors and styles
  • It tends to dampen noise
  • It requires significant maintenance
  • It easily attracts dirt and stains
  • It generally does not last as long as other flooring materials

At Finecraft Contractors, if you can imagine it, we can build it. If you have a renovation idea or want to remodel sections of your home, call us at 301-330-9191 and we’ll give you a thoroughly thought out estimate.

George Papaheraklis is the founder of FineCraft Contractors, Inc., located in Gaithersburg, MD. Since 1985, FineCraft has been building houses, additions, kitchens, baths and more for discerning families. Their blog can be seen at https://finecraftcontractors.com/blog/ and they can be reached at 301-330-9191.

FineCraft Contractors Becomes an Affiliate Member of AIADC

GAITHERSBURG, MD: FineCraft Contractors, Inc., (https://finecraftcontractors.com/) has become an affiliate member of the Washington DC Chapter of the American Institute of Architects.

The American Institute of Architects in DC (AIADC) was founded in 1887 and serves the Nation’s Capital. This chapter was intimately involved in the design and planning of the Washington area, and continues to be actively involved in city development today.

Being a member of AIADC means that FineCraft is a part of a global community of 94,000 professionals, and they have the privilege to be connected with opportunities to continually improve their profession and make a larger impact with their services.

Jimena Layton, a past client of FineCraft Contractors stated, “Finecraft contractors is a well-rounded professional company in the DC area. Their crew is highly skilled and the staff has superb customer service. Every project we have seen has exceeded our expectations. It is hard to find a building company with such high attention to detail. Working with the FineCraft family makes your experience enjoyable and gratifying.”

Another past client, Joseph Richardson, said, “This was my first experience working with George of FineCraft. He is a professional who listens, asks intelligent questions, and proposes great solutions based on his years of experience in the industry. The quality of FineCraft’s work is high, and the staff is friendly and responsive. I strongly recommend George and the FineCraft team.”

George Papaheraklis is the founder of FineCraft Contractors, Inc., located in Gaithersburg, MD. Since 1985, FineCraft has been building houses, additions, kitchens, baths and more for discerning families. Their blog can be seen at https://finecraftcontractors.com/blog/ and they can be reached at 301-330-9191.

3 Common Tree Problems

By Nancy Penrose

How many times have you looked at your trees, saw something off and thought, “hmm… is that normal?” And then forgot about it or decided to put it off? Even if this happened to you just once, it’s time to learn the three most common tree problems, so when you see it, you can get it fixed as soon as possible.

1. Scorched Leaves

Overexposure to harsh sunlight can cause leaves to get scorched. This is evidenced by leaves that are dehydrated and look brown, shriveled and burned. To help prevent this from happening, increase watering and add mulch for protection.

2. Improper Pruning

Most commonly, improper pruning is when trees are overly trimmed or are severely under-trimmed. No matter the case, the tree can have a hard time absorbing water and breathing properly.

3. Wilted Leaves

Leaves that are wilted lose their shape and look lifeless. This is caused by water loss and drought is often the reason behind wilted leaves. You can remedy this by relocating the plant to an area with less sunlight or increasing the watering.

These are just three of the most common tree problems. At Big Trees, we are fully trained on all types of diseases and issues trees can have, and we know exactly how to remedy them. Just contact us today at (866) 313-2333 and we’ll take a look at your tree to give you the best recommendation.

Nancy Penrose is owner of Big Trees Inc. (https://bigtreesupply.com/), (tree nursery Snohomish, WA), one of the largest Seattle tree nurseries, specializing in large trees for sale and transplant tree service. Learn more about tree preservation at https://bigtreesupply.com/tree-care-maintenance/ and for more tips on tree care or installation go to privacytree.net. See our video at https://www.youtube.com/watch?v=A6vVhNW1XJI and connect with us on Facebook at https://www.facebook.com/pages/Big-Trees-Inc/193731105108.

Big Trees Inc. Installs Large Japanese Maple for Client

SNOHOMISH, WA: Big Trees Inc., (https://bigtreesupply.com/), a tree sales and transplant company, helped install a large Japanese Maple into a landscape for their clients under short notice, and the project went off without a hitch.

Big Trees was approached by their clients asking for help with a special, new specimen tree for a focal point in their garden. They were having a significant event in the near future and were hoping to have the tree delivered and installed as soon as possible to maintain their current schedule of events.

After walking through the lanes and aisles of the nursery, the clients found one of the larger red Japanese Maples to be the tree to install. The tree is 17-feet tall and 10-feet wide, and has a trunk the diameter of around 8 inches at the base. The tree and root ball together weighed around 2,500 pounds.

A date was made with the clients that fit into their timeline, and the Big Trees crews delivered and installed the tree in short order. The tree was the perfect size for the landscape, and everyone was satisfied with the experience.

“Getting to meet unexpected deadlines and anticipation can be a very exciting aspect of what goes on here at Big Trees! The clients, and we at Big Trees are very pleased with the outcome of this project,” said Nancy, owner of Big Trees.

Nancy Penrose is the owner of Big Trees Inc., located in Snohomish, WA in the Seattle area. The company is one of the largest tree nurseries in the Seattle area with over 120,000 trees available in over 300 varieties. They not only deliver young trees, but also mature trees in a wide range of sizes. Some types of trees available include spring flowering, deciduous, evergreen, and privacy trees. The company also does tree transplanting including large trees. Their blog can be seen at https://bigtreessupply.com/blog/ or http://arboristblog.com/. They can be reached at 360-563-2700.

Ulan Nutritional Systems Releases 2nd Edition of Free eBook

CLEARWATER, FL: Ulan Nutritional Systems (https://unsinc.info), a company delivering training to chiropractors, nutritionists, and other holistic practitioners, has released a revised version of their free eBook “Theory & Purpose of Nutrition Response Testing® 2nd Edition” by Freddie Ulan, DC, CCN.

The eBook gives the basics of Nutrition Response Testing, a non-invasive system of analyzing the body in order to determine the underlying causes of ill health. When these causes of bad health are corrected through safe, natural, nutritional means, the body can repair itself in order to attain and maintain more optimum health.

Daniele Lattanzi, the CEO of Ulan Nutritional Systems stated, “We are very excited about the release of the 2nd edition of this eBook. It has been updated with the latest clinical information and explains the subject of Nutrition Response Testing and how practitioners can use it to get better patient results, better than ever.”

Anyone interested in downloading the eBook can click here.

Ulan Nutritional Systems was founded by Dr. Freddie Ulan in 2005. After his discoveries in the field of nutrition, he overcame a severe physical illness. He then started receiving more and more demand from health care practitioners to train them on his methods. To date, thousands have completed his training and are using his methods to help patients improve their health.  The company now offers not only training in Nutrition Response Testing, but training in patient management, practice management and personal development. Their website can be seen at http://unsinc.info. They can be reached at 866-418-4801.

© 2019 Ulan Nutritional Systems. All Rights Reserved. Nutrition Response Testing is a registered trademark owned by Freddie Ulan.

Silva Construction Urges Homeowners to Get Earthquake Retrofitting in Light of Recent Earthquakes

SAN PEDRO, CA: Silva Construction (https://www.silvaconstruction.com/), a residential and commercial remodeling company serving the south bay area of Los Angeles, is urging homeowners to consider getting earthquake retrofitting in light of two recent earthquakes.

In less than two days, California experienced two of the largest earthquakes in the state since 1999. On July 4th, a 6.4 magnitude earthquake struck Ridgecrest, CA, 100 miles east of Bakersfield, with effects felt all the way to the Los Angeles area. Then the very next day, a 7.1 earthquake struck the same region, causing serious damage to buildings and roads in the area. Because of the large magnitudes of these quakes, seismologists are warning Californians to prepare for even more seismic activity.

Earthquake retrofitting is the process of securely anchoring a home to its foundation, and can save tens of thousands in the event of an earthquake. Homes that are not retrofitted can actually move off their foundation in a large seismic event.

Dave Silva, Executive Director of Silva Construction, stated “We urge homeowners to get earthquake retrofitting done to their homes, to ensure they are really protected during an earthquake. These recent earthquakes remind us that a large seismic event can strike at any time, so it’s vital to think ahead and prepare.”

Dave Silva and David Clarke are owners of Silva Construction, Inc., located in San Pedro, CA. The company has over 40 years of experience in remodeling construction, and serves Southern California’s South Bay area, including Westchester, El Segundo, Manhattan Beach, San Pedro, Hermosa Beach, Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills, Harbor City, Lomita, Torrance, and other select areas. Their blog can be seen at https://www.silvaconstruction.com/blog3/ and their website can be seen at https://www.silvaconstruction.com/. They can be reached at 310-831-6310.