Happy Investments, Inc. Ontario Ca
Mortgage Broker in Ontario, CA
Purchase, refinance and investment property loans for Ontario buyers and homeowners, comparing programs from different lenders so you can choose what fits.
- Licensed California broker · DRE #01485740 · NMLS #950873
- Serving California since 2005
- We compare programs from different lenders
Requesting a quote is not an application and is not a commitment to lend. Programs vary; not all applicants qualify.
Free quote · Ontario, CA
What would you like to do?
Step 1 of 3 · Your goal
Visit or call
Happy Investments, Inc. Ontario Ca
3045 S ARCHIBALD AVE H 299-J
Ontario, CA 91761
| Monday–Friday | 9 AM – 6 PM |
| Saturday | 10 AM – 2 PM |
| Sunday | Closed |
Loan options
Home, investor and commercial loans in Ontario
Every borrower is different. These are the programs Ontario clients ask about most; a loan officer will tell you which ones fit.
Home purchase
- First-time and move-up buyers
- Conventional, FHA, VA, USDA and jumbo loans
- Fixed and adjustable rates
- California down payment assistance programs
Refinance & equity
- Rate & term refinance
- Cash-out refinance
- Home equity lines and second mortgages
- 203(k) rehab loans
Hard money & investors
- Investment property purchase and refinance
- Fix & flip, rehab and construction
- Bridge loans and land
- Business-purpose cash-out
Commercial & business
- Commercial purchase and refinance
- Office, retail, industrial and mixed-use
- SBA 7(a) and 504 loans
- Owner-occupied business property
Local data & tools
Buying or refinancing in San Bernardino County
Market rates this week
National average mortgage rates
Freddie Mac Primary Mortgage Market Survey®, week of October 15, 2026. These are national averages published by Freddie Mac, not Happy Investments’ rates and not an offer of credit. Your rate may vary based on your individual file: credit, loan amount, down payment, property type, occupancy and other factors.
Source: Freddie Mac PMMS
Loan limits · 2026
Conforming loan limits in San Bernardino County
| 1 unit | $832,750 |
| 2 units | $1,066,250 |
| 3 units | $1,288,800 |
| 4 units | $1,601,750 |
Loans up to these amounts can be conventional (conforming) loans; larger loans are jumbo loans. FHA limits are set separately by HUD.
Source: FHFA 2026 conforming loan limits (effective January 1, 2026) · Look up the FHA limit on HUD.gov
California programs
Help for first-time buyers in California
- CalHFA MyHome Assistance: a deferred second loan for part of the down payment or closing costs, for eligible first-time buyers.
- CalHFA Dream For All: shared-appreciation down payment help for first-generation buyers. The 2026 application window ran February 24 to March 16, 2026; watch CalHFA for future rounds.
- CalHFA FHA and conventional first mortgages that can be paired with this assistance.
CalHFA programs are offered through CalHFA-approved lenders and have income, credit and education requirements. Ask your loan officer which programs could fit your situation.
Source: CalHFA homebuyer programs
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Three simple steps
Tell us your goal
Use the short quote form or call (909) 545-6269. It takes about two minutes and is not an application.
Talk with a loan officer
We review your situation, compare programs from different lenders and explain the options in plain language.
Choose and close
If you decide to go ahead, we help you gather documents and guide the loan through to closing.
Local service
Serving Ontario and San Bernardino County
Ontario sits in the western Inland Empire along I-10 and I-15, and is home to Ontario International Airport. Our office near Archibald Avenue works with buyers in established neighborhoods and in the newer communities of Ontario Ranch.
Ontario clients ask about buying newly built homes, refinancing to change their loan term, and financing for rental properties. A loan officer can walk through conventional, FHA, VA and jumbo options and what each requires.
Nearby offices
Local resources
- San Bernardino County Assessor-Recorder-County ClerkRecorded deeds, property records and assessments for San Bernardino County properties.
- City of OntarioPermits, zoning and city services.
Questions
Frequently asked questions
Is asking for a quote the same as applying for a loan?
No. The quote form only tells us what you're looking for so a loan officer can call you and explain your options. It is not a loan application and it is not a commitment to lend.
Are you a broker or a bank?
Happy Investments, Inc. is a licensed California real estate broker (DRE #01485740, NMLS #950873) based in Ontario. Instead of offering one bank's programs, we compare programs from different lenders and private money sources. Your loan officer will tell you which lender would make your loan before you apply.
What documents will I usually need?
For most home loans: a photo ID, recent pay stubs or other proof of income, the last two years of W-2s or tax returns, and recent bank statements. Investors are often asked for property details, leases and a rehab budget. Your loan officer will give you the exact list for your program.
Can I still get a loan if my credit isn't perfect?
Some programs, including FHA loans and private money loans for investment property, use different guidelines than a typical bank. Whether you qualify depends on your whole situation, so the best first step is a short conversation with a loan officer.
Can I meet with someone in Ontario?
Yes. Our office is at 3045 S ARCHIBALD AVE H 299-J, Ontario, CA 91761. Most clients work with us by phone and email, so please call (909) 545-6269 first to set a time.
Which areas do you serve?
We work with borrowers in Ontario, across San Bernardino County and throughout California. Residential loans are offered for California properties only.
Ready to talk about your loan?
Call (909) 545-6269 or send a free quote request. A loan officer will explain your options; there's no obligation.