Mortgage Broker Modesto CA

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    Are possibly you finding an Effective Local Mortgage Broker in Modesto CA

    Happy Investments Inc has been a Mortgage Broker and finance company serving California since 2005. Mortgage Broker Modesto CA specializing in both housing and commercial Mortgage loans. Our dedicated team has over 20 years of consolidated real estate experience in the financing business. Call us Today at 209-353-2740. Get a FREE Quote.

    Mortgage Broker Modesto CA

    Our Company has many Mortgage methods include challenging interest rates, low down payment requirements, flexible underwriting procedures, Each of these features is formed to make your Mortgage Loan more reasonably-priced.

    Our main concern is to give great rates and low fees.
    we walk you with the overall mortgage process.
    Close on time without surprises.
    We make sure you understand exactly what we are engaging in and why.
    We help you find the Best Mortgage program. requirements for a home loan

    Contact Us :

    Happy Investments, Inc. Modesto CA
    2900 Standiford Ave. Suite 16-B #406C,
    Modesto, CA 95350
    Phone: 209-353-2740

    Choose the very best Mortgage Broker Loan Programs in Modesto CA

    We provide services for the following Mortgage Loans:

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

    Mortgage Broker Modesto 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 209-353-2740

    Since 2005 Happy Investments Inc has swiftly 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 starting purpose to provide competitive products with the most effective rates and service. Our staff has many years of experience and knowledge working within this industry, and we can say with confidence that we will get the job done right. fha mortgage

    Mortgage Broker Modesto CA  we operate for the sole purpose of offering low-cost mortgage finance to all qualified clients. Established in California during the peak of the economic crisis, our commitment to customer service assures a hassle-free and financially satisfactory consumer experience. To Get a Free Quote. Click Here

    Make use of our expertise in the Mortgage Finance industry by applying online today. You will get that the skill, professionalism, and factor to consider we provide to each of our clients makes getting your funding a worthwhile undertaking.

    Contact us today 209-353-2740 for a free, individualized consultation. You can also apply online. It is fast, secure, and easy Mortgage Broker Modesto CA

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

    Our company Also Offer in Modesto 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 Finance Lender Vacant Lands Lots Loans Financing
    Rehab Construction Fix Flip Loans Finances

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    About Modesto CA

    Modesto officially the City of Modesto, is the county seat and largest city of Stanislaus County, California, United States. With a population of approximately 201,165 at the 2010 census, it is the 18th largest city in the state of California and forms part of the Modesto–Merced combined Statistical Area. The Modesto Census County Division, which includes the cities of Ceres and Riverbank, had a population of 312,842 as of 2010.

    Modesto is located in the Central Valley, 90 miles (140 km) north of Fresno, 40 miles (64 km) north of Merced, California, 92 miles (148 km) east of San Francisco, 68 miles (109 km) south of the state capital of Sacramento, 66 miles (106 km) west of Yosemite National Park, and 24 miles (39 km) south of Stockton.


    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.