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Mortgage Broker Lafayette CA

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    Are probably you finding a Friendly Local Mortgage Broker in Lafayette CA

    Happy Investments Inc has been a Mortgage Broker and loan company serving California since 2005. Mortgage Broker Lafayette CA specializing in both residential and commercial Mortgage loans. Our dedicated team has more than 20 years of shared real estate experience in the finance business. Call us Today at 925-298-2109. Get a FREE Quote.

    Mortgage Broker Lafayette CA

    Mortgage Broker Lafayette CA

    Our Company has many Mortgage methods that feature challenging interest rates, low down payment requirements, and versatile underwriting procedures, Each of these features is crafted to make your Mortgage Loan more cost-effective.

    Our concern is to present effective rates and low fees.
    we walk you through the whole mortgage process.
    Close on time without having surprises.
    We make sure that you understand exactly what we are executing and why.
    We help you get the most ideal Mortgage program. Mortgage Broker

    Mortgage Broker Lafayette CA Our specialization is providing financing to people with difficult financial Situations. Our ultimate goal is to create lasting relationships with each of my clients so that We may continue providing reliable Mortgage service for a long period of time to come. Hard Money Brokers

    Crafting Your Mortgage Success Story – Your Lafayette, CA Advocates!

    Let us be the authors of your mortgage success story as your dedicated advocates in Lafayette, CA. Our mission is clear: to tailor solutions that propel your aspirations forward. Backed by a team of experts with an unwavering commitment to excellence, we simplify the complex world of mortgages. From securing competitive rates to ensuring swift approvals, we stand by you throughout the process. Ready to create your success story? Dial Tel 925-298-2109 or complete our streamlined online application – the first chapter of your journey to property achievement.

    Contact Us :

    Happy Investments, Inc. Lafayette CA
    3559 MT Diablo Blvd Suite 334-E
    Lafayette, CA 94549
    Phone: 925-298-2109
    Website: https://happyinvestmentsinc.com/mortgage-broker-lafayette-ca/

    Choose desired Mortgage Broker Lafayette CA

    We provide services for the following Mortgage Loans:

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

    Mortgage Broker Lafayette CA Regardless of whether you’re a very first time home buyer or an Expertise Investors. Look no more Call us Today To obtain A Free Quote. Call 925-298-2109

    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 beginning purpose to give competitive products with the most ideal rates and service. Our staff has many years of practical experience and knowledge working here in this industry, and we can say with confidence that we will get the job done right. Commercial Loans, 

    we control for the sole purpose of offering low-cost mortgage financing to all qualified clients. Established in California during the peak of the financing crisis, our commitment to customer service ensures a hassle-free and financially extremely satisfying consumer experience. Mortgage Broker Lafayette CA

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

    Our team has worked for decades in behalf of building owners like you. We have relationships with local lenders who know this market and comprehend the needs of midsize and smaller structure owners throughout the City’s neighborhoods. 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 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 best 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

    Take advantage of our expertise in the Mortgage Loan industry by applying online today. You will experience that the skill, professionalism, and things to consider we provide to each of our clients make getting your lending a worthwhile undertaking.

    Give us a call today 925-298-2109 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 type of Property Mortgage Funding. The more efficient we can get your to fill online form, the quicker we can get you accepted and funded. Don’t delay– do the advantage and call our Real Estate Mortgage loans organization today.

    Our company Also Offer in Lafayette CA:

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

    About Lafayette, California.

    Lafayette (formerly, LaFayette) is a city in Contra Costa County, California, United States. As of 2011, the city’s population was estimated to be 24,285. It was named after the Marquis de La Fayette, a French military hero of the American Revolutionary War. Today Lafayette is known for its pastoral rolling hills, good schools, and wealthy inhabitants. In 2016, the median household income in Lafayette was over $140,000, more than twice the statewide average and about two and half times the national median.

    FAQ

    When refinancing my mortgage, can I get extra money at closing so I can pay off other debt in Lafayette 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 Lafayette 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 Lafayette 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 Lafayette 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 Lafayette 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.