https://www.sjmorganple.com/blog daily 0.75 2025-09-09 https://www.sjmorganple.com/blog/the-waiting-game-is-costing-you-more-than-you-realize monthly 0.5 2025-09-09 https://www.sjmorganple.com/blog/our-ceo-sonya-morgan-featured-in-inspiring-leadership-book monthly 0.5 2025-01-23 https://www.sjmorganple.com/blog/x4n8k63e9ynu5m0pcmhyvbtptasa4l monthly 0.5 2024-06-27 https://www.sjmorganple.com/blog/helping-your-adult-children-save-for-a-down-payment monthly 0.5 2024-06-20 https://www.sjmorganple.com/blog/blog-post-title-one-ndydz monthly 0.5 2020-10-27 https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/1603814046841-RXCEUX2YELPE35RI7X4I/a4d888f8-d219-4205-85d8-2c28f758c6f8-700x407.png Blog - Private Money Making an Impact https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/1603813955781-CMKB554M3LNB9HA7IRND/20170401_140903-1-700x407.jpg Blog - Private Money Making an Impact https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/1603814197113-TT3TLY5MM39ZFHGHR3XK/20d683ad-26c0-427f-9856-4bb30aee1416-1-700x407.png Blog - Private Money Making an Impact https://www.sjmorganple.com/blog/blog-post-title-two-3wjtm monthly 0.5 2020-10-27 https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/1603825072746-MJ92CEQ2SJ8VDAWNA7S8/SJMorgan_0131b2-400x403.jpg Blog - My Personal Experience with Investing in Real Estate Backed Notes Through a Self-Directed IR https://www.sjmorganple.com/home daily 1.0 2026-04-24 https://www.sjmorganple.com/what-we-offer daily 0.75 2022-08-16 https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/568febff-da06-48f5-8d88-a230235eb262/Untitled+design+%2857%29.png What We Offer - WHAT WE OFFER Traditional Mortgages. Creative Financing. More Possibilities. Whether you're buying your first home, refinancing an existing property, or financing your next real estate investment, Sonya Morgan Lending helps you explore the options available to you. Our lending solutions include: Home Loans: Conventional, FHA, VA, USDA, and refinancing options. Investment & Commercial Financing: DSCR loans, private money, bridge loans, and fix-and-flip financing. Specialty Lending: Non-QM mortgages, home equity loans, and reverse mortgage solutions. Every financing need is different. Sonya takes the time to understand your goals, evaluate your circumstances, and identify lending options that fit your needs. Have a property or project in mind? Apply Now and let's explore what's possible. https://www.sjmorganple.com/wherewelend daily 0.75 2026-10-22 https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/67aedf21-8a12-498c-b0ab-b2d39a019bd8/Untitled+design+%283%29.png Where We Lend https://www.sjmorganple.com/privatemoney daily 0.75 2023-09-12 https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/87ce6c56-9842-4abf-833e-a8b3039b4c3c/Untitled+design+%286%29.png Private Money https://www.sjmorganple.com/fixandfliploans daily 0.75 2026-10-22 https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/ad74aa19-7d27-40cd-a963-9736a9e3bec5/Untitled+design+%2810%29.png Fix and Flip Loans https://www.sjmorganple.com/apply-now daily 0.75 2026-04-24 https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/f876b63c-f548-4462-9b9d-29643dfadf0d/Untitled+design+%2835%29.png Apply Now - Sonya Morgan (209) 518-9527 Broker Associate BRE#01258854 NMLS#856797 Apply here: Register (my1003app.com) https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/1603755923554-NZIB8WPAQ11OR0LGIYOD/equal-housing-opportunity+1.png Apply Now https://www.sjmorganple.com/about-1 daily 0.75 2023-09-19 https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/22857429-b451-47a2-b3d6-0ebfb7414bb9/Untitled+design+%2849%29.png About - WHAT WE DO Sonya Morgan helps borrowers find mortgage financing to purchase or refinance residential, commercial, and investment properties. Through her extensive network of lending partners and private investors, she matches borrowers with traditional and creative financing options tailored to their individual needs. WHY I DO IT Looking for Possibilities, Not Just Limitations. After more than 28 years in mortgage lending, I've learned that every borrower has a story, every property is different, and sometimes the best solutions require thinking outside the box. My philosophy has always been to look for a "yes" before accepting a "no." That doesn't mean every loan is possible. It means taking the time to listen, ask questions, explore alternatives, and find opportunities others might overlook. The values behind my work haven't changed: Helpfulness: Putting people first and providing personal guidance throughout the lending process. Creativity: Thinking beyond traditional lending guidelines to explore solutions that fit unique circumstances. Integrity: Building lasting relationships through honesty, transparency, and doing what's right. Efficiency: Respecting my clients' time through clear communication, responsiveness, and thoughtful execution. Growth: Continuously learning, adapting, and seeking new opportunities to better serve my clients. My goal is simple: to help people move forward with confidence, knowing their financing options have been thoughtfully explored. https://www.sjmorganple.com/contact-3 daily 0.75 2022-02-10 https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/74eb64af-f3f0-4a36-b983-61b502ef2aa3/Untitled+%2811+%C3%97+8.5+in%29+%281%29.png Contact Us - Contact us. Sonya@ironoak1.com (209) 518-9527 1110 Tully Road, Ste B Modesto, CA 95350 Facebook Instagram https://www.sjmorganple.com/apply-now-1 daily 0.75 2024-04-23 https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/87a008ac-862f-424e-90db-df0c2c368909/Untitled+%282+%C3%97+3+in%29.jpg Apply Now (Copy) - Sonya Morgan (209) 518-9527 Broker/Owner BRE#01258854 NMLS#856797 Apply here: Register (my1003app.com) https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/1603755923554-NZIB8WPAQ11OR0LGIYOD/equal-housing-opportunity+1.png Apply Now (Copy) https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/ef658c7e-51d2-4de8-917b-95bb15db073a/Untitled+design+%2858%29.png Apply Now (Copy) - Jesse Santana Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park. https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/d1ff480f-cfc9-4844-b1b8-d20e1779fe3a/Josie+Estrada.png Apply Now (Copy) - Josie Estrada (209) 403-3403 Mortgage Loan Originator NMLS#864685 Apply here: Register (my1003app.com) Habla Espanol https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/85275a0a-af30-4a58-afbb-6a7140fedfa9/Black+and+White+Pattern+Photo+Profile+Instagram+Post+%281%29.png Apply Now (Copy) - Logan Johnson (209) 681-7449 Mortgage Loan Originator NMLS#2521687 Apply here: https://1569114.my1003app.com/2521687/register?time=1704934818840 https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/284f481f-e973-4015-975a-0048fba5e6d1/Copy+of+Black+and+White+Pattern+Photo+Profile+Instagram+Post.png Apply Now (Copy) - Claudia Escalante (714) 319-6773 Mortgage Loan Originator NMLS#632377 Apply here: https://1569114.my1003app.com/632377/register?time=1704935912660 Habla Espanol https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/ae0e6144-d6e3-4a8d-9604-1fb019aeacf6/Untitled+design+%2856%29.png Apply Now (Copy) - Emily Ryslinge (209) 609-0461 Mortgage Loan Originator NMLS#2387297 DRE#01494493 Apply here: Register (my1003app.com) https://images.squarespace-cdn.com/content/v1/5f93523708b6413bf287d68b/f96d876d-517a-4d11-81d3-2cce6f0f8f51/Josie+Estrada+%281%29.png Apply Now (Copy) - Alexis Andrade (209) 560-6040 Mortgage Loan Originator NMLS#2553405 Apply here: Register (my1003app.com)