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Mortgage Broker Spring Valley CA

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    Are likely you considering an Excellent Local Mortgage Broker in Spring Valley CA

    Happy Investments Inc has been a Mortgage Broker and loan provider serving California since 2005. Happy Investment Inc focusing on 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 619-597-7520. Get a FREE Quote.

    Mortgage Broker Spring Valley CA

    Mortgage Broker Spring Valley CA

    Our Organization has many Mortgage programs include competitive rates of interest, low down payment requirements, flexible underwriting procedures, Each of these features is designed to ensure your Mortgage Loan more cost-effective.

    Our preference is to provide great rates and low fees.
    we walk you through the overall mortgage process.
    Close on time without having surprises .Mortgage Broker Spring Valley CA
    We make sure that you understand exactly what we are handling and why.
    We help you find the Best Mortgage program. interest only mortgage

    Mortgage Broker Spring Valley CA Our specialization is providing financing to people with confusing financial Situations. Our utmost goal is to create long-lasting relationships with each of my clients so that We may continue providing impressive Mortgage service for several years to come. commercial refinance

    Contact Us :

    Happy Investments Inc Spring Valley CA
    9740 Campo Rd. Suite 1003-D,
    Spring Valley, CA 91977
    Phone: 619-597-7520

    Choose reliable Mortgage Broker Loan Programs in Spring Valley CA

    We specialize in the following Mortgage Loans:

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

    Whether you’re a very first time home buyer or an Experience Investors. Look no more Call us Today To acquire A Free Quote. Call 619-597-7520

    Since 2005 Happy Investments Inc has rapidly become a relied 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 founding purpose to provide competitive products with the very best rates and service. Our staff has many years of practical experience and knowledge working with this industry, and we can say with confidence that we will get the job done right. Mortgage Broker Spring Valley CA

    Mortgage Broker Spring Valley CA we control for the sole purpose of providing low-cost mortgage finance to all qualified clients. Established in California during the peak of the financing crisis, our commitment to customer service provides a hassle-free and financially fulfilling consumer experience.

    By maintaining a vast network of banking relationships, we have availability to probably the most favorable terms available for every specific loan scenario. Our network consists of the largest financial companies, smaller regional banks, portfolio lending institutions and private loan sources. equity loan

    Our team has worked with decades for property owners like you. We have connections with local lenders who know this market and understand the needs of midsize and smaller structure owners throughout the City’s neighborhoods. These intimate relationships can help you get the lending you need. commercial mortgage loans

    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 carefully 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 consistently 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 find that the skill, professionalism, and things to consider we provide for each of our clients make getting your lending a worthwhile undertaking.

    Call us today 619-597-7520 for a free, customized consultation. You can also apply online. It is fast, secure, and easy

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

    Our company Also Offer in Spring Valley CA:

    Hard Money Loans
    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 Loans Lender Vacant Lands Lots Loans Financing
    Rehab Construction Fix Flip Loans Finances

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    About  Spring Valley , California

    Spring Valley is a census-designated place in the East County region of San Diego County, California. The population was at the census.From through Spring Valley included what is now the La Presa CDP to the south; La Presa is still popularly considered to be a part of Spring Valley. Extended definitions of Spring Valley may also include the Casa de Oro neighborhood to the north, which belongs to the Casa de Oro-Mount Helix CDP. Locations in both La Presa and Casa de Oro use Spring Valley addresses.


    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.