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Mortgage Broker Auburn CA

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    Are possibly you looking For a Really good Local Mortgage Broker in Auburn CA

    Happy Investments Inc has been a Mortgage Broker and finance company serving California since 2005.Mortgage Broker Auburn CA  Happy Investment Inc specializing in both housing and commercial Mortgage loans. Our dedicated team has over 20 years of consolidated real estate experience in the home loan business. Call us Today at 530-492-5459. Get a FREE Quote.

    Mortgage Broker Mission Hills CA

    Mortgage Broker Auburn CA

    Our Company has many Mortgage plans provide affordable rates of interest, low down payment requirements, versatile underwriting guidelines, Each of these features is designed to make your Mortgage Loan more reasonably-priced.

    Our preference is to ensure great rates and low fees.
    we walk you through the overall mortgage process.
    Close on time without surprises.
    We make certain that you understand exactly what we are handling and why.
    We help you find the most effective Mortgage program.

    Mortgage Broker Auburn CA Our specialization is providing funding to people with difficult financial Situations. Our utmost goal is to create sustainable relationships with each of my clients so that We may continue delivering outstanding Mortgage service for many years to come.

    Contact Us :

    Hii Mortgage Loans Auburn CA
    3535 Snow Cap View Cir #3 – A,
    Auburn, CA 95602
    Phone: 530-492-5459

    Choose the very best Mortgage Broker Loan Programs in Auburn CA

    We specialize in the following Mortgage Loans:

    Jumbo Home Lending
    Reverse Mortgage Finances
    Home Purchase Finance
    Home Refinance Finance
    Home Equity Lending
    Cash Out Home Lending
    FHA Loans/ VA Finance
    Hard Money Finance
    Home Equity Lending
    Second 2nd Mortgage Finance
    Commercial Lending
    Bank Statement Home Lending
    Home Improvement
    First Time Home Buyers
    Vacant Lands Finance
    Transactional Funding
    Rehab/Construction & Investment Lending
    And Much, Much More!

    Whether you’re a very first time home buyer or an Experience Investors. You’ve found the right place Call us Today To Become A Free Quote. Call 530-492-5459

    Mortgage Broker Auburn CA Since 2005 Happy Investments Inc has promptly become a relied on the name in the real estate industry as a mortgage broker for residential and commercial mortgages. Our clients are the driving force behind what we do, and it is the Company’s founding purpose to provide competitive products with the very best rates and service. Our staff has many years of experience and knowledge working in this particular industry, and we can say with confidence that we will get the job done right.

    Mortgage Broker Auburn CA we manage for the sole purpose of offering low-cost mortgage finance to all qualified clients. Founded in California during the peak of the financial crisis, our commitment to client service provides a hassle-free and financially satisfactory consumer experience.

    By managing a vast network of banking relationships, we have availability to the absolute most favorable terms available for each specific loan scenario. Our network includes the largest financial institutions, smaller regional banks, portfolio lending institutions and private financing sources.

    Our team has helped decades for building owners like you. We have relationships with local lenders who know this market and comprehend the needs of midsize and smaller building owners throughout the City’s neighborhoods. These intimate relationships can help you get the financing you need.

    our mission is to set a high standard in the mortgage industry. We are committed to quality client service – putting the people we serve first. Our goal is to carefully guide you through the home loan process so that you can confidently select the best mortgage for you and your family from the numerous mortgage options that are available today. After you choose the loan that is best for you, we will work continually on your behalf to help you achieve your desire for homeownership. To Get a Free Quote. Click Here

    Benefit from our expertise in the Mortgage Financing industry by applying online today. You will identify that the skill, professionalism, and consideration we offer to each of our clients make getting your funding a worthwhile undertaking.

    Call us today 530-492-5459 for a free, individualized consultation. You can also apply online. It is fast, secure, and easy

    Our service firms are skilled in the areas of any form of Property Mortgage Funding. The more effective we can get your to fill online form, the quicker we can get you accepted and funded. Don’t delay– do the good thing and call our Real Estate Mortgage fundings organization today.

    Our company Also Offer in Auburn CA:

    Hard Money Loans
    Home Equity Lending
    Second 2nd Mortgage Loans
    Commercial Residential Mortgage Funding
    Bank Statement Home Loans Self Employed
    Home Buyer Down Payment Assistance Financing Program
    Home Improvement Renovation Refinance Loans Provider First Time Home Buyers FHA Mortgage Loans Lender Vacant Lands Lots Loans Financing
    Rehab Construction Fix Flip Loans Finances

    About Auburn, California:

    Auburn is a city in and the county seat of Placer County, California. Its population was 13,330 during the 2010 census. Auburn is known for its California Gold Rush history, and is registered as a California Historical Landmark.

    Auburn is part of Greater Sacramento and is home to the Auburn State Recreation Area. The park is the site of more sporting endurance events than any other place in the world, giving Auburn the undisputed and internationally acclaimed title of Endurance Capital of the World. Examples include the Western States Endurance Run; the Western States Trail Ride, also known as Tevis Cup Equestrian Ride; American River 50 Mile Endurance Run; American River 50 Mile Equestrian Ride; Way Too Cool 50 Kilometer Endurance Run; Auburn International Half-Ironman Triathlon; Auburn Century 100 Mile Bike Ride, Coolest 24 Hour Mountain Bike Race, Rio Del Lago 100 Mile Endurance Run, Sierra Nevada 50 Mile Endurance Run, and the Coolest Run: Ride & Tie.According to the United States Census Bureau, the city has a total area of 7.2 square miles (19 km2), of which 0.03 square miles (0.078 km2), or 0.38%, is water.


    What's a mortgage APR?

    Your annual percentage rate, or APR, is one of the many costs that comes with a mortgage. While your mortgage’s interest rate is the annual cost to borrow money (expressed as a percentage), your APR takes other fees and charges into account.

    Your APR includes the loan’s interest rate, any mortgage points you purchase, and lender and broker fees. Looking at your APR can give you a picture of the true cost of your mortgage.

    A mortgage’s APR is usually more than its interest rate.

    What are mortgage fees?

    Charging fees is one way that lenders make money off mortgage loans. Mortgage fees should be listed on your closing documents and may include the following:

    Origination fee
    Application/processing/administrative fee
    Underwriting fee
    Points fee
    Appraisal fee
    Inspection fee
    Attorney review fee
    Private mortgage insurance
    Homeowners insurance
    Title search or insurance fees
    Survey fee
    Prepayment penalty

    What are different types of mortgage loans?

    The most common type of mortgage loan is a conventional loan. Other types are backed by the Federal Housing Administration or are from a special program such as the Veterans Administration or the USDA.

    Most mortgages are conventional, meaning they’re not part of any specific government program — though they’re still subject to federal mortgage laws. Conventional loans typically cost less than FHA loans, but it may be harder to qualify for a conventional loan.

    The FHA regulates and insures FHA loans, and private lenders make the loans. FHA loans allow you to borrow with a lower down payment and generally with lower credit scores. But you may be limited on how much you can borrow through an FHA mortgage.

    Special home loan programs are tailored for certain groups. For example, VA loans are for veterans, military service members or surviving spouses, while USDA loans are for lower- or middle-income borrowers in rural areas.

    What documents do I need for a mortgage?

    Each lender will have its own requirements for what documents to submit when applying for a mortgage. But here’s the info you’ll generally need to provide.

    A month’s worth of paystubs
    W-2s for the past two years
    Your federal income tax return for the past two tax years
    Proof of income
    Recent bank statements
    Proof of your down payment amount, such as a savings account statement
    Documentation of a name change (if you’ve recently changed your name)
    Identification, such as a driver’s license
    Your Social Security number
    A certificate of housing counseling or home-buyer education (if you have one)

    Will mortgage rates go down?

    It depends — mortgage rates are generally influenced by the prime rate. Many banks base their prime rates on the federal funds rate, which is the rate banks charge each other for short-term loans. When the Federal Reserve changes the federal funds rate, mortgage interest rates can react and go up or down.

    But a lower (or higher) prime rate doesn’t necessarily determine the mortgage rate you’ll qualify for. Your credit scores, the type of loan you’re seeking, the price of your home and how much down payment you can afford can also affect your mortgage rate.