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Mortgage Broker Irvine CA

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    Are truly you considering an Excellent Local Mortgage Broker in Irvine CA

    FREE Quote-949-565-2277.When you are looking for a Mortgage Broker in Irvine CA, Call 949-565-2277– Happy Investments, Inc. is a local company that has the answers. Call Now for a FREE Quote

    Mortgage Broker Irvine CA

    Happy Investments Inc has been a Mortgage Broker and finance company serving California since 2005. Happy Investment Inc concentrates on both housing and commercial Mortgage loans. Our dedicated team invites 20 years of united real estate experience in the lending business. Call us Today at 949-565-2277. Get a FREE Quote.  Hard Money Loans

    Our Establishment has many Mortgage methods that feature competitive rates of interest, low down payment requirements, and versatile underwriting procedures, Each of these features is crafted to ensure your Mortgage Loan is more affordable.

    • Our main concern is to present excellent rates and low fees.
      we walk you through the overall mortgage process.
      Close on time without surprises.
      We make sure you understand exactly what we are engaging in and why.
      We help you acquire the very best Mortgage program.

    Our specialization is providing financing to people with confusing financial Situations. Our utmost goal is to create enduring relationships with each of my clients to ensure that We may continue offering effective Mortgage service for several years to come. Mortgage Broker Irvine CA

    Elevating Your Property Journey – Unparalleled Mortgage Services in Irvine, CA!

    Elevate your property journey with the unparalleled mortgage services we offer in Irvine, CA. Beyond being a mere transaction, we are your partners in crafting a thriving real estate future. With a team steeped in industry wisdom, we ensure that every step you take is informed and strategic. From understanding your unique needs to securing the best rates, we’re here to make your aspirations a reality. Ready to embark on this transformative experience? Call us at Tel 949-565-2277 or make use of our user-friendly online application – the gateway to unlocking your property’s potential.

    Contact Us :

    Happy Investments, Inc. Irvine CA
    # B, 62223 Arroyo Dr,
    Irvine, CA 92617
    Phone: 949-565-2277
    Webhttps://happyinvestmentsinc.com/mortgage-broker-irvine-ca/

    Choose amazing Mortgage Broker Loan Programs in

    Mortgage Broker in Irvine CA

    We specialize in the following Mortgage Loans:

    Jumbo Home Loans
    Reverse Mortgage Loans
    Home Purchase Finance
    Home Refinance Lending
    Home Equity Loans
    Cash Out Home Lending
    FHA Loans/ VA Lending
    Hard Money Finance
    Home Equity Lending
    Second 2nd Mortgage Lending
    Commercial Loans
    Bank Statement Home Finance
    Home Improvement
    First Time Home Buyers
    Vacant Lands Lending
    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 To Get A Free Quote. Call 949-565-2277.

    Since 2005 Happy Investments Inc Mortgage Broker Irvine CA has promptly 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 beginning purpose to provide competitive products with the most effective rates and service. Our staff has many years of prior experience and knowledge working in this particular industry, and we can say with confidence that we will get the job done right.

    Mortgage Broker Irvine CA. Make the most 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 for each of our clients make getting your home loan a worthwhile undertaking.  Check Us Out here and also see our other Posts.

    Give us a call today 949-565-2277 for a free, customized consultation. You can also apply online. It is fast, secure, and easy.

    Our companies are expert in the specialties of any sort of Land and buildings Mortgage Finance. The more quickly we can get your to fill the online application form, the quicker we can get you approved and funded. Don’t wait– do the effective thing and call our Real Estate Mortgage loans organization today.

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    FAQ

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