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Mortgage Broker Riverbank CA

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    Are possibly you finding an Excellent Local Mortgage Broker in Riverbank CA

    Happy Investments Inc has been a Mortgage Broker and lender serving California since 2005. Mortgage Broker Riverbank CA specializing in both housing and commercial Mortgage loans. Our dedicated team has over 20 years of consolidated real estate experience in the funding business. Call us Today at 209-502-4529. Get a FREE Quote.

    Mortgage Broker Riverbank CA

    Mortgage Broker Riverbank CA

    Our Company has many Mortgage methods provide reasonable rates of interest, low down payment requirements, versatile underwriting procedures, Each of these features is formed to make your Mortgage Loan more cost-effective.

    Our preference is to provide reliable rates and low fees.
    we walk you with the help of the overall mortgage process.
    Close on time without surprises.
    We assure you understand exactly what we are accomplishing and why.
    We help you find the most effective Mortgage program. Mortgage Broker Riverbank CA

    Our specialization is providing funding to people with complicated financial Situations. Our utmost goal is to create sustainable relationships with each of my clients to ensure that We may continue delivering superb Mortgage service for several years to come.Mortgage Broker Riverbank CA

    Contact Us :

    Happy Investments, Inc. Riverbank CA
    6333 Oakdale Rd Ste # 621-L
    Riverbank, CA 95367
    Phone: 209-502-4529

    Choose the very best Mortgage Broker Riverbank CA

    We specialise in the following Mortgage Loans:

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

    Mortgage Broker Riverbank CA Regardless of whether you’re a first time home buyer or an Expertise Investors. Look no further Call us Today To obtain A Free Quote. Call 209-502-4529

    Since 2005 Happy Investments Inc has rapidly become a trusted 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 starting purpose to deliver competitive products with the most ideal rates and service. Our staff has many years of practical experience and knowledge working within this industry, and we can say with confidence that we will get the job done right.

    Specialize in a Mortgage Broker

    we control for the sole purpose of ensuring low-cost mortgage financing to all qualified clients. Founded in California during the peak of the financing crisis, our commitment to customer service provides a hassle-free and financially extremely satisfying consumer experience.

    By sustaining a vast network of banking relationships, we have easy access to the best favorable terms available for each specific loan scenario. Our network is composed of the largest financial organizations, smaller regional banks, portfolio loan providers and private financing sources. commercial refinance

    Our team has helped decades on behalf of property owners like you. We have connections with local lenders who know this market and understand the needs of midsize and smaller building owners throughout the City’s neighborhoods. These intimate relationships can help you get the funding you need. real estate lending

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

    Take advantage of our expertise in the Mortgage Finance industry by applying online today. You will find that the skill, professionalism, and things to consider we offer to each of our clients make getting your finance a worthwhile endeavor.

    Call us today 209-502-4529 for a free, individualized consultation. You can also apply online. It is fast, secure, and easy

    Our service providers are skilled in the areas of any type of Property Mortgage Funding. The more efficient 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 loans organization today.

    Our company Also Offer in Riverbank CA:

    Hard Money Loans
    Home Equity Lending
    Second 2nd Mortgage Finance
    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

    Project Video

    About Riverbank, California:

    Riverbank is a city in Stanislaus County, California, United States. The population was 22,678 at the 2010 census, up from 15,826 at the 2000 census. Incorporated on August 23, 1922, Riverbank’s official slogan is “The City of Action.” It is part of the Modesto Metropolitan Statistical Area.

    Riverbank was founded as a ferry crossing and was established as a town with the coming of the Santa Fe Railroad. The town holds a Cheese & Wine Exposition each October.


    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.