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Mortgage Broker Colton CA

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    Are really you seeking a Reliable Local Mortgage Broker in Colton CA

    Happy Investments Inc has been a Mortgage Broker and loan provider serving California since 2005. Mortgage Broker Colton CA focusing on both residential and commercial Mortgage loans. Our dedicated team invites 20 years of consolidated real estate experience in the home loan business. Call us Today at 909-430-6171. Get a FREE Quote.

    Mortgage Broker Colton CAOur Establishment has many Mortgage programs feature competitive rates of interest, low down payment requirements, versatile underwriting guidelines, Each of these features is crafted to make your Mortgage Loan more very affordable.

    Our priority is to give excellent rates and low fees.
    we walk you throughout the entire mortgage process.
    Close in time in the absence of surprises. Mortgage Broker Colton CA
    We ensure you understand exactly what we are executing and why.
    We help you attain the most effective Mortgage program. mortgage companies for people with bad credit

    Realize Your Property Dreams with Top-Tier Mortgage Solutions in Colton, CA!

    Turn your property dreams into reality with our top-tier mortgage solutions in Colton, CA. Our approach isn’t just transactional; it’s transformative. We’re committed to understanding your goals and delivering solutions that catalyze your success. With a proven track record of securing favorable terms, we make the mortgage process seamless. Whether you’re navigating traditional loans or specialized financing, we’re here to guide you. Initiate your journey by reaching us at Tel 909-430-6171 or opting for our streamlined online application – the first step towards property ownership awaits.

    Contact Us :

    Happy Investments, Inc. Colton CA
    1040 South Mount Vernon Ave. # G-118D,
    Colton, CA 92324
    Phone: 909-430-6171
    Website: https://www.happyinvestmentsinc.com/mortgage-broker-colton-ca/

    Choose the Best Mortgage Broker Loan Programs in Colton CA

    We specialize in the following Mortgage Loans:

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

    Whether you’re a first time home buyer or an Experience Investors. You’ve found the right place Call us Today To Become A Free Quote. Call 909-430-6171

    Since 2005 Happy Investments Inc has rapidly 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 founding purpose to ensure competitive products with the best rates and service. Our staff has years of practical experience and knowledge working in this industry, and we can say with confidence that we will get the job done right. Mortgage Broker Colton CA

    Mortgage Broker Colton CA

    we manage for the sole purpose of giving low-cost mortgage lending to all qualified clients. Established in California during the peak of the financial crisis, our commitment to customer service assures a hassle-free and financially pleasurable consumer experience. To Get a Free Quote. Click Here

    Mortgage Broker Colton CA Make the most of our expertise in the Mortgage Financing industry by applying online today. You will get that the skill, professionalism, and things to consider we give to each of our clients make getting your home loan a worthwhile endeavor.

    Call us today 909-430-6171 for a free, individualized consultation. You can also apply online. It is fast, secure, and easy

    Our service firms 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 endorsed and funded. Don’t delay– do the advantage and call our Real Estate Mortgage loans organization today.

    Our company Also Offer in Colton 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 Finance Provider First Time Home Buyers FHA Mortgage Loans Lender Vacant Lands Lots Loans Financing
    Rehab Construction Fix Flip Loans Finances

    ABOUT US: 

    Colton is the site of Colton Crossing, which was one of the busiest at-grade railroad crossings in the United States. The crossing was installed in 1882 by the California Southern Railroad to cross the Southern Pacific Railroad tracks while building northward from San Diego. As a result of railroad acquisitions and mergers, this became the point at which the Burlington Northern Santa Fe’s “Southern Transcontinental Route” crossed the Union Pacific’s “Sunset Route”. As traffic on each line began to soar in the mid-1990s, fueled largely by the vast increase in imports passing through the ports of Los Angeles and Long Beach, the primitive crossing became a serious bottleneck. On August 28, 2013, the at-grade crossing was officially replaced by a fly-over that raises the east–west UP tracks over the north–south BNSF tracks.

    FAQ

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