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Mortgage Broker Chula Vista CA

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Happy Investments Inc has been a Mortgage Broker and loan provider serving California since 2005. Happy Investment Inc focusing on both housing and commercial Mortgage loans. Our dedicated team invites 20 years of united real estate experience in the finance business. Call us Today at 619-483-2890. Get a FREE Quote.

Our Organization has many Mortgage methods include reasonable rates of interest, low down payment requirements, versatile underwriting guidelines, Each of these features is crafted to make your Mortgage Loan more cost-effective.

Our concern is to provide remarkable rates and low fees.
we walk you throughout the entire mortgage process.
Close on time without having surprises.Mortgage Broker Chula Vista CA
We make certain that you understand exactly what we are doing and why.
We help you find the very best Mortgage program.

Chula Vista, CA’s Trusted Mortgage Navigators – Guiding Your Path to Success!

Navigate the complex landscape of real estate financing with confidence, courtesy of our trusted mortgage navigators in Chula Vista, CA. Your success is our compass, and our team’s expertise becomes your guiding light. With a commitment to transparency and efficiency, we ensure that you’re informed at every step. Whether you’re a seasoned investor or a first-time homebuyer, our solutions are tailored to your needs. Embrace your journey by reaching us at Tel 619-483-2890 or opting for our quick online application, and let’s chart a course to your financial triumph.

Contact Us :

Happy Investments Inc Chula Vista CA
1223 3rd Ave. Suite F-112E,
Chula Vista, Ca 91911
Phone: 619-483-2890
Website: https://www.happyinvestmentsinc.com/mortgage-broker-chula-vista-ca/

Choose desired Mortgage Broker Chula Vista CA

We specialize in the following Mortgage Loans:

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

Regardless of whether you’re a very first time home buyer or an Expertise Investors. You’ve found the right place Call us Today In order to get A Free Quote. Call 619-483-2890

Since 2005 Happy Investments Inc has quickly become a depended 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 beginning purpose to provide competitive products with the ideal rates and service. Our staff has years of experience and knowledge working in this industry, and we can say with confidence that we will get the job done right. bad credit mortgage loans

Mortgage Broker Chula Vista CA we manage for the sole purpose of furnishing low-cost mortgage lending to all qualified clients. Established in California during the peak of the economic crisis, our commitment to client service assures a hassle-free and financially extremely satisfying consumer experience. To Get a Free Quote. Click Here

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

Call us today 619-483-2890 for a free, personalized consultationMortgage Broker Chula Vista CA. You can also apply online. It is fast, secure, and easy

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

Our company Also Offer in Chula Vista CA:

Hard Money Lending
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 Loans Lender Vacant Lands Lots Loans Financing
Rehab Construction Fix Flip Loans Finances Mortgage Broker Chula Vista CA

ABOUT US:

Chula Vista Spanish for ‘”beautiful view”‘ is the second largest city in the San Diego metropolitan area, the seventh largest city in Southern California, the fifteenth largest city in the state of California, and the 75th-largest city in the United States. The population was 243,916 as of the 2010 census, and the estimated population as of 2019 is 274,492.Located about halfway—7.5 miles between the two downtowns of San Diego and Tijuana in the South Bay, the city is at the center of one of the richest culturally diverse zones in the United States. Chula Vista is so named because of its scenic location between the San Diego Bay and coastal mountain foothills.

FAQ

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