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Mortgage Broker Santa Barbara CA

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    Are likely you considering a Reliable Local Mortgage Broker in Santa Barbara CA

    Happy Investments Inc has been a Mortgage Broker and lender serving California since 2005. Mortgage Broker Santa Barbara CA focuses on both residential and commercial Mortgage loans. Our dedicated team invites 20 years of combined real estate experience in the financing business. Call us Today at 805-695-3828. Get a FREE Quote.

    Mortgage Broker Santa Barbara CA

    Mortgage Broker Santa Barbara CA

    Our Establishment has many Mortgage methods that provide reasonable interest rates, low down payment requirements, and versatile underwriting procedures, Each of these features is designed to ensure your Mortgage Loan is more reasonably priced.

    Our main concern is to provide reliable rates and low fees.
    we walk you through the entire mortgage process.
    Close on time without any surprises.
    We assure you understand exactly what we are accomplishing and why.
    We help you find the Best Mortgage program. Mortgage Broker Santa Barbara CA

    Our specialty is providing funding to people with confusing financial Situations. Our ultimate goal is to create long-lasting relationships with each of my clients to ensure We may continue delivering excellent Mortgage service for several years to come. Mortgage Broker Santa Barbara CA

    Santa Barbara, CA’s Premier Mortgage Resource: Shaping Your Path to Real Estate Success

    Forge ahead in your real estate endeavors in Santa Barbara, CA, with the unwavering support of our premier Mortgage Resource. Backed by an intricate understanding of local nuances, we tailor mortgage solutions with unparalleled precision. Propel yourself toward approval and funding through our expert team, all while capitalizing on competitive rates and an unyielding commitment to your satisfaction. Whether you’re a first-time buyer, a seasoned investor, or contemplating mortgage refinancing, our dedication remains resolute. Begin your journey seamlessly through our user-friendly online application or connect directly with us at Tel 805-695-3828. Embrace your real estate aspirations with the preeminent Mortgage Resource in Santa Barbara, CA.

    Contact Us :

    Happy Investments, Inc. Santa Barbara CA
    5142 Hollister Avenue # 522-H
    Santa Barbara, CA 93111
    Phone: 805-695-3828
    E-mail: fasteasy211212@gmail.com
    Website: https://happyinvestmentsinc.com/mortgage-broker-santa-barbara-ca/

     

    Mortgage Broker Indio CA

    Choose leading Mortgage Broker Loan Programs in Santa Barbara CA

    We provide services for the following Mortgage Loans:

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

    Whether you’re a very first time home buyer or an Expertise Investors. Look no more Call us Today To Become A Free Quote. Call 805-695-3828

    Mortgage Broker Santa Barbara CA Since 2005 Happy Investments Inc has promptly become a depended 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 beginning purpose to provide competitive products with the most ideal rates and service. Our staff has many years of prior experience and knowledge working with this industry, and we can say with confidence that we will get the job done right. online mortgage

    we control for the sole purpose of furnishing low-cost mortgage finance to all qualified clients. Founded in California during the peak of the economic crisis, our commitment to customer service makes sure a hassle-free and financially pleasurable consumer experience.

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

    Our team has helped decades on behalf of building owners like you. We have connections with local lenders who know this market and comprehend the needs of midsize and smaller building owners throughout the City’s neighborhoods. These connections can help you get the finance you need. commercial property rates

    our mission is to set a high standard in the mortgage industry. We are committed to quality client service – putting the people we serve first. Our goal is to carefully guide you through the home mortgage process so that you can confidently select the most effective 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 continually on your behalf to help you achieve your desire for homeownership. To Get a Free Quote. Click Here

    Benefit from our expertise in the Mortgage Loan industry by applying online today. You will find that the skill, professionalism, and consideration we offer to each of our clients make getting your loan a worthwhile undertaking.

    Give us a call today 805-695-3828 for a free, personalized consultation. You can also apply online. It is fast, secure, and easy

    Our service firms are skilled in the areas of any form of Property Mortgage Funding. The more efficient 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 loans organization today.

    Our company Also Offer in Santa Barbara CA:

    Hard Money Lending
    Home Equity Finance
    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 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 Santa Barbara, California:

    Santa Barbara is the county seat of Santa Barbara County in the U.S. state of California. Situated on a south-facing section of coastline, the longest such section on the West Coast of the United States, the city lies between the steeply rising Santa Ynez Mountains and the Pacific Ocean. Santa Barbara’s climate is often described as the Mediterranean, and the city has been promoted as the “American Riviera”. As of 2014, the city had an estimated population of 91,196, up from 88,410 in 2010, making it the second most populous city in the county after Santa Maria while the contiguous urban area, which includes the cities of Goleta and Carpinteria, along with the unincorporated regions of Isla Vista, Montecito, Mission Canyon, Hope Ranch, Summerland, and others, has an approximate population of 220,000. The population of the entire county in 2010 was 423,895.

    FAQ

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