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Mortgage Broker Clovis CA

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    Are really you seeking a Great Local Mortgage Broker in Clovis CA

    Happy Investments Inc has been a Mortgage Broker and lender serving California since 2005. Happy Investment Inc specializes in both residential and commercial Mortgage loans. Our dedicated team has over 20 years of shared real estate experience in the finance business. Call us Today at 559-578-3090. Get a FREE Quote.

    Mortgage Broker Clovis CA

    Mortgage Broker Clovis CA

    Our Firm has many Mortgage methods that feature competitive interest rates, low down payment requirements, and flexible underwriting procedures, Each of these features is crafted to ensure your Mortgage Loan is more very affordable.

    Our concern is to ensure excellent rates and low fees.
    we walk you with the help of the whole mortgage process.
    Close on time without surprises.
    We make sure that you understand exactly what we are executing and why.
    We help you find the Best Mortgage program.

    Mortgage Broker Clovis CA Our specialty is providing funding to people with difficult financial Situations. Our utmost goal is to create sustainable relationships with each of our clients to ensure that We may continue delivering effective Mortgage service for a long period of time to come.

    Clovis, CA’s Pinnacle of Mortgage Excellence – Your Journey Begins Here!

    Embark on your journey to real estate success with Clovis, CA’s pinnacle of mortgage excellence. Our brokerage is more than a service; it’s a commitment to propelling your ambitions forward. Backed by a team of industry veterans, we craft tailored solutions that suit your financial context. From pre-approval to closing, we stand as your advocates, navigating the intricacies with finesse. Whether you’re looking for a home or an investment, take the leap by calling us at Tel 559-578-3090 or engaging with our swift online application – the gateway to your property aspirations.

    Contact Us :

    Happy Investments Inc Clovis CA
    1077 N Willow Ave, Ste 105 #801D,
    Clovis, CA 93611
    Phone: 559-578-3090
    Website: https://happyinvestmentsinc.com/mortgage-broker-clovis-ca/

     

    SBA Loans and Financing Hawaiian Gardens CA

    Choose amazing Mortgage Broker Loan Programs in Clovis CA

    We provide services for the following Mortgage Loans:

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

    No matter if you’re a very first time home buyer or an Expertise Investors. Look no further Call us Today To acquire A Free Quote. Call 559-578-3090

    Since 2005 Happy Investments Inc has quickly become a relied on the 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 starting purpose to provide competitive products with the very best rates and service. Our staff has years of prior experience and knowledge working in this industry, and we can say with confidence that we will get the job done right.  Mortgage Broker Clovis CA

    Mortgage Broker Clovis CA we manage for the sole purpose of offering low-cost mortgage funding to all qualified clients. Established in California during the peak of the financial crisis, our commitment to client service makes sure a hassle-free and financially satisfying consumer experience.

    By maintaining a vast network of banking relationships, we have easy access to one of the most favorable terms available for each specific loan scenario. Our network consists of the largest financial firms, smaller regional banks, portfolio lenders and private lending sources.

    Our team has worked with decades in behalf of building owners like you. We have connections with local lenders who know this market and comprehend the needs of midsize and smaller facility owners throughout the City’s neighborhoods. Mortgage Broker Clovis CA These connections can help you get the lending you need.

    our mission is to set a high standard in the mortgage industry. We are committed to quality customer support – 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 most effective mortgage for you and your family from the various mortgage options that are available today. After you select the loan that is best for you, we will work continually in your place to help you achieve your desire for homeownership. To Get a Free Quote. Click Here

    Take advantage of our expertise in the Mortgage Loaning industry by applying on-line today. You will find that the skill, professionalism, and things to consider we give to each of our clients make getting your lending a worthwhile endeavor.

    Give us a call today 559-578-3090 for a free, customized consultation. You can also apply online. It is fast, secure, and easy

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

    Our company Also Offer in Clovis CA:

    Hard Money Finance
    Home Equity Loans
    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 Lending Provider First Time Home Buyers FHA Mortgage Finance Lender Vacant Lands Lots Loans Financing
    Rehab Construction Fix Flip Loans Finances

    Project Video

    About Clovis, California:

    Clovis is a city in Fresno County, California, United States. The 2016 population was estimated to be. Clovis is located northeast of downtown Fresno, at an elevation of 361 feet (110 m). The city of Clovis began as a freight stop along the San Joaquin Valley Railroad. Organized in January by Fresno businessmen Thomas E. Hughes, Fulton Berry, Gilbert R. Osmun, H.D. Colson, John D. Gray, and William M. Williams, in partnership with Michigan railroad speculator Marcus Pollasky, the SJVRR began construction in Fresno in July and reached the farmlands of Clovis Cole and George Owen by October of that year. According to the United States Census Bureau, the city has a total area of square miles all of it land.

    FAQ

    When refinancing my mortgage, can I get extra money at closing so I can pay off other debt in Clovis CA?

    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 in Clovis CA?

    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 in Clovis CA?

    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 in Clovis CA?

    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 in Clovis CA?

    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.