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Mortgage Broker Redding CA

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    Are likely you searching for a Good Local Mortgage Broker in Redding CA

    Happy Investments Inc has been a Mortgage Broker and finance company serving California since 2005. Mortgage Broker Redding CA specializing in both residential and commercial Mortgage loans. Our dedicated team has over 20 years of consolidated real estate experience in the lending business. Call us Today at 530-395-5666. Get a FREE Quote.

    Mortgage Broker Oceanside CA

    Our Establishment has many Mortgage programs provide reasonable interest rates, low down payment requirements, flexible underwriting procedures, Each of these features is crafted to make your Mortgage Loan more cost-effective.

    Our concern is to provide great rates and low fees.
    we walk you through the whole mortgage process.
    Close on time without having surprises. Mortgage Broker Redding CA
    We make certain that you understand exactly what we are engaging in and why.
    We help you acquire the most ideal Mortgage program. poor credit home loans

    Contact Us :

    HII Mortgage Loans Redding CA
    297 Boulder Creek Dr # D3,
    Redding, CA 96003
    Phone: 530-395-5666

    Choose the Best Mortgage Broker Redding CA

    We specialize in the following Mortgage Loans:

    Jumbo Home Lending
    Reverse Mortgage Lendings
    Home Purchase Loans
    Home Refinance Loans
    Home Equity Lending
    Cash Out Home Lending
    FHA Loans/ VA Loans
    Hard Money Loans
    Home Equity Lending
    Second 2nd Mortgage Lending
    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!

    Mortgage Broker Redding CA Regardless of whether you’re a first time home buyer or an Experience Investors. You’ve found the right place Call us Today To obtain A Free Quote. Call 530-395-5666 Mortgage Broker Redding CA

    Since 2005 Happy Investments Inc has promptly become a trusted 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 beginning purpose to ensure competitive products with the most effective rates and service. Our staff has years of practical experience and knowledge working in this particular industry, and we can say with confidence that we will get the job done right. adjustable rate mortgage

    we manage for the sole purpose of giving low-cost mortgage finance to all qualified clients. Established in California during the peak of the financing crisis, our commitment to customer service makes sure a hassle-free and financially pleasurable consumer experience. To Get a Free Quote. Click Here equity loan

    Take advantage of our expertise in the Mortgage Finance industry by applying online today. You will identify that the skill, professionalism, and consideration we offer to each of our clients make getting your home loan a worthwhile undertaking.

    Give us a call today 530-395-5666 for a free, individualized consultation. You can also apply online. It is fast, secure, and easy

    Our service business is skilled in the areas of any sort of Property Mortgage Funding. The more efficient we can get your to fill online form, the quicker we can get you approved and funded. Don’t delay– do the good thing and call our Real Estate Mortgage loans organization today.

    Our company Also Offer in Redding CA:

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

    About Redding, California:

    Redding, officially the City of Redding, is the county seat of Shasta County, California, in the northern part of the state. It lies along the Sacramento River, is 162 miles (261 kilometers) north of Sacramento, and 120 miles (190 km) south of the Oregon border. Interstate 5 bisects the entire city, from the south to north before it approaches Shasta Lake, which is located 15 miles (24 km) to the north. The 2010 population was 89,861.

    Redding is the largest city in the Shasta Cascade region, and it is the sixth-largest city in the Sacramento Valley, behind Sacramento, Elk Grove, Roseville, Vacaville and Chico. According to the United States Census Bureau, the city has a total area of 61.2 square miles (159 square kilometers). 59.6 square miles (154 km2) of it is land, and 1.5 square miles (3.9 km2) of it (2.50%) is beneath water.


    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.