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    Invest With Us

    Earn Consistent Income with Limited Volatility and a Significant Margin of Safety

    The Happy Investments  Advantage

    Since its inception in 2006, Happy Investments  Capital has provided consistent returns for Accredited Investors. Today, Happy Investments  offers two different funds: ASIF and AEIF. The funds’ short term loans are secured primarily by California real estate in key markets such as Los Angeles, the San Francisco Bay Area and San Diego. The funds have provided attractive high single digit returns for our investors with low volatility and a significant margin of safety to protect investors’ principal.

    Fiduciary to investors

    Attractive liquid investment vehicles that offer stable cashflow and capital preservation

    Exceptional Borrower Service

    Vertically-integrated platform supports Happy Investments“white glove” service delivery

    Direct-to-Borrower Lender

    Streamlined and tailored lending process preferred by high quality borrowers

    West Coast Specialist

    Extensive and deep local, on-the-ground West Coast market knowledge

    FAQ

    What's a mortgage APR?

    Your annual percentage rate, or APR, is one of the many costs that comes with a mortgage. While your mortgage’s interest rate is the annual cost to borrow money (expressed as a percentage), your APR takes other fees and charges into account.

    Your APR includes the loan’s interest rate, any mortgage points you purchase, and lender and broker fees. Looking at your APR can give you a picture of the true cost of your mortgage.

    A mortgage’s APR is usually more than its interest rate.

    What are mortgage fees?

    Charging fees is one way that lenders make money off mortgage loans. Mortgage fees should be listed on your closing documents and may include the following:

    Origination fee
    Application/processing/administrative fee
    Underwriting fee
    Points fee
    Appraisal fee
    Inspection fee
    Attorney review fee
    Private mortgage insurance
    Homeowners insurance
    Title search or insurance fees
    Survey fee
    Prepayment penalty

    What are different types of mortgage loans?

    The most common type of mortgage loan is a conventional loan. Other types are backed by the Federal Housing Administration or are from a special program such as the Veterans Administration or the USDA.

    Most mortgages are conventional, meaning they’re not part of any specific government program — though they’re still subject to federal mortgage laws. Conventional loans typically cost less than FHA loans, but it may be harder to qualify for a conventional loan.

    The FHA regulates and insures FHA loans, and private lenders make the loans. FHA loans allow you to borrow with a lower down payment and generally with lower credit scores. But you may be limited on how much you can borrow through an FHA mortgage.

    Special home loan programs are tailored for certain groups. For example, VA loans are for veterans, military service members or surviving spouses, while USDA loans are for lower- or middle-income borrowers in rural areas.

    What documents do I need for a mortgage?

    Each lender will have its own requirements for what documents to submit when applying for a mortgage. But here’s the info you’ll generally need to provide.

    A month’s worth of paystubs
    W-2s for the past two years
    Your federal income tax return for the past two tax years
    Proof of income
    Recent bank statements
    Proof of your down payment amount, such as a savings account statement
    Documentation of a name change (if you’ve recently changed your name)
    Identification, such as a driver’s license
    Your Social Security number
    A certificate of housing counseling or home-buyer education (if you have one)

    Will mortgage rates go down?

    It depends — mortgage rates are generally influenced by the prime rate. Many banks base their prime rates on the federal funds rate, which is the rate banks charge each other for short-term loans. When the Federal Reserve changes the federal funds rate, mortgage interest rates can react and go up or down.

    But a lower (or higher) prime rate doesn’t necessarily determine the mortgage rate you’ll qualify for. Your credit scores, the type of loan you’re seeking, the price of your home and how much down payment you can afford can also affect your mortgage rate.

    Our Funds

    Happy Investments“ offers two evergreen investment funds that provide stable monthly distributions, capital preservation and attractive risk-adjusted returns.

    Our Investment Philosophy

    Happy Investments“ investment philosophy targets urban infill markets that exhibit strong economic fundamentals, high barriers-to-entry and positive demographic trends.

    Our Investment Strategy

    Principal Protection

    Happy Investments“ loans are secured by a first lien on a residential project. Developers and builders typically provide 20-25% of the capital needed to purchase the house. Additionally, professional developers enhance the value of the collateral through renovations that they fund with their own equity.

    Consistent Income

    Happy Investments“  Income Funds have consistently generated 7-10% returns to investors in recent quarters. Our teams averages 25+ years of lending and real estate expertise, and our successful track record since 2006 proves the point.

    Contact Us :

    Address :- 1307 W 6th St #219, Corona, CA 92882
    Phone : (951) 963-9399
    Email : loans@happyinvestmentsinc.com