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Mortgage Broker El Cajon CA

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    Are you looking For an Excellent Local Mortgage Broker in El Cajon CA

    Happy Investments Inc has been a Mortgage Broker and finance company serving California since 2005. Happy Investment Inc focusing on both residential and commercial Mortgage loans. Our dedicated team has over 20 years of combined real estate experience in the mortgage business. Call us Today at 619-493-1450. Get a FREE Quote.

    Mortgage Broker El Cajon CA

    Our Organization has many Mortgage plans include affordable interest rates, low down payment requirements, versatile underwriting procedures, Each of these features is crafted to ensure your Mortgage Loan more reasonably-priced.

    Mortgage Broker El Cajon CA Our preference is to give great rates and low fees.
    we walk you through the entire mortgage process.
    Close on time without any surprises.
    We make sure you understand exactly what we are executing and why.
    We help you find the Best Mortgage program.

    Contact Us :

    Happy Investments, Inc. El Cajon CA
    772 Jamacha Road # 120D,
    El Cajon, CA 92019
    Phone: 619-493-1450

    Choose desired Mortgage Broker Loan Programs in El Cajon CA

    We specialize in the following Mortgage Loans:

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

    Mortgage Broker El Cajon CA Regardless of whether you’re a very first time home buyer or an Expertise Investors. Look no more Call us Today In order to get A Free Quote. Call 619-493-1450

    Since 2005 Happy Investments Inc has swiftly become a depended on the name in the real estate industry as a mortgage broker for residential and commercial mortgages. Our consumers are the driving force behind what we do, and it is the Company’s beginning purpose to give competitive products with the most ideal rates and service. Our staff has years of experience and knowledge working in this industry, and we can say with confidence that we will get the job done right.

    Mortgage Broker El Cajon CA we operate for the sole purpose of ensuring low-cost mortgage financing to all qualified clients. Established in California during the peak of the financial crisis, our commitment to customer service provides a hassle-free and financially pleasurable consumer experience.To Get a Free Quote. Click Here

    Benefit from our expertise in the Mortgage Loaning industry by applying online today. You will discover that the skill, professionalism, and factor to consider we provide for each of our clients makes getting your financing a worthwhile endeavor.

    Contact us today 619-493-1450 for a free, customized consultation. You can also apply online. It is fast, secure, and easy

    Our service sources are skilled in the areas of any variety of Property Mortgage Funding. The more dependable we can get your to fill online form, the quicker we can get you authorized and funded. Don’t delay– do the advantage and call our Real Estate Mortgage fundings organization today. what does a mortgage broker do

    Our company Also Offer in El Cajon CA:

    Hard Money Finance
    Home Equity Loans
    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

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    ABOUT US :

    El Cajon is a city in San Diego County, California, United States, 17 mi east of Downtown San Diego. The city, located in a valley surrounded by mountains, has acquired the nickname of “The Box.” Its name originated similarly, from the Spanish phrase “el cajón,” which means “the box” or “the drawer.”


    When refinancing my mortgage, can I get extra money at closing so I can pay off other debt?

    Yes. Assuming you have sufficient equity, a cash-out refinance enables you to pay off your existing mortgage(s) and may also allow you to take out some of your home equity in a lump-sum cash payment at closing.

    What Is a Hard Money Loan?

    A hard money loan is a type of loan that is secured by real property. Hard money loans are considered loans of “last resort” or short-term bridge loans. These loans are primarily used in real estate transactions, with the lender generally being individuals or companies and not banks.

    How a Hard Money Loan Works

    Hard money loans have terms based mainly on the value of the property being used as collateral, not on the creditworthiness of the borrower. Since traditional lenders, such as banks, do not make hard money loans, hard money lenders are often private individuals or companies that see value in this type of potentially risky venture.

    Hard money loans may be sought by property flippers who plan to renovate and resell the real estate that is used as collateral for the financing—often within one year, if not sooner. The higher cost of a hard money loan is offset by the fact that the borrower intends to pay off the loan relatively quickly—most hard money loans are for one to three years—and some of the other advantages they offer.

    How Do I Qualify for a Hard Money Loan?

    Qualifying for a hard money loan is going to be based on having a 30% down payment if you are purchasing a home. It will be based on not going over 65% loan to value if you are refinancing a home. You will need very little in the way of paperwork. No income verification is needed and your FICO score won’t matter.
    It really all boils down to equity. If you’re putting up 30%, hard money lenders feel that you have enough skin in the game to take the loan seriously. By the same token, 65% loan to value on a refinance allows the hard money lender to stay within their lending comfort zone. Lenders also typically like to know what your exit strategy is. In other words, how do you plan on paying back the lender at the end of your loan term. Most typically the answer is refinancing, selling or paying back the loan from income generated through work or other investments.

    Can I Refinance a Hard Money Loan?

    Just like any other loan you can refinance a hard money loan as long as you have enough equity. Since hard money loans are equity based, it is critical the property is worth significantly more than what you are looking to borrow. We have multiple mortgage financing hard money options. Some will take the loan to value up higher than others. It is always best to speak with one of our consultants In order to decide what is best for you.