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Mortgage Broker San Jose CA

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    Are possibly you seeking a Fantastic Local Mortgage Broker in San Jose CA

    Happy Investments Inc has been a Mortgage Broker and loan provider serving California since 2005. Mortgage Broker San Jose CA concentrating on both residential and commercial Mortgage loans. Our dedicated team has over 20 years of consolidated real estate experience in the funding business. Call us Today at 408-901-8279. Get a FREE Quote.

    Mortgage Broker San Jose CAOur Company has many Mortgage programs provide very competitive interest rates, low down payment requirements, flexible underwriting standards, Each of these features is crafted to make your Mortgage Loan more cost-effective. Mortgage Broker San Jose CA

    Our priority is to present effective rates and low fees.
    we walk you with the complete mortgage process.
    Close on time without having surprises.
    We ensure you understand exactly what we are accomplishing and why.
    We help you find the most suitable Mortgage program. first time home buyer assistance

    Mortgage Broker San Jose CA Our specialization is providing financing to people with confusing financial Situations. Our ultimate goal is to create enduring relationships with each of my clients to ensure that We may continue providing amazing Mortgage service for several years to come.

    Contact Us :

    San Jose Hii Loans
    1659 Branham Ln., Ste F # 137-A
    San Jose, CA 95118
    Phone: 408-901-8279

    Choose reliable Mortgage Broker Loan Programs in San Jose CA

    We specialize in the following Mortgage Loans:

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

    Mortgage Broker San Jose CA Whether you’re a first time home buyer or an Experience Investors. Look no more Call us Today To Become A Free Quote. Call 408-901-8279

    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 consumers are the driving force behind what we do, and it is the Company’s beginning purpose to give competitive products with the very best rates and service. Our staff has many years of practical experience and knowledge working in this industry, and we can say with confidence that we will get the job done right.

    we control for the sole purpose of offering 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 satisfactory consumer experience.

    By preserving a vast network of banking relationships, we have availability to one of the most favorable terms available for every specific loan scenario. Our network is composed of the largest financial business, smaller regional banks, portfolio financial institutions and private loan sources. commercial property mortgage

    Our team has worked with decades on behalf of property owners like you. We have intimate relationships with local lenders who know this market and understand the needs of midsize and smaller facility owners throughout the City’s neighborhoods. These intimate relationships can help you get the loan you need. lowest mortgage rates

    our mission is to set a high standard in the mortgage industry. We are committed to quality customer care – 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 best mortgage for you and your family from the various mortgage options that are available today. After you pick out the loan that is best for you, we will work constantly on your behalf to help you achieve your long for homeownership. To Get a Free Quote. Click Here

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

    Contact us today 408-901-8279 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 type of Property Mortgage Funding. The more reliable 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 San Jose CA:

    Hard Money Finance
    Home Equity Finance
    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 Lending 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 San Jose, CA

    San Jose is the main component of the San Jose–Sunnyvale–Santa Clara Metropolitan Statistical Area, with an estimated population of around  million residents in  It is also the most populous city in both the San Francisco Bay Area and the San Jose-San Francisco-Oakland Combined Statistical Area, which contain  people respectively.


    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.