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Mortgage Broker Los Gatos CA

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    Are you seeking a Decent Local Mortgage Broker in Los Gatos CA

    Happy Investments Inc has been a Mortgage Broker and lender serving California since 2005. Mortgage Broker Los Gatos CA focuses on both residential and commercial Mortgage loans. Our dedicated team invites 20 years of consolidated real estate experience in the finance business. Call us Today at 669-221-1550. Get a FREE Quote.

    Mortgage Broker Los Gatos CA

    Mortgage Broker Los Gatos CA

    Our Organization has many Mortgage plans that feature very competitive interest rates, low down payment requirements, and flexible underwriting guidelines, Each of these features is crafted to ensure your Mortgage Loan is more cost-effective.

    Our priority is to give amazing rates and low fees.
    we walk you through the entire mortgage process.
    Close on time without surprises. Mortgage Broker Los Gatos CA
    We assure you understand exactly what we are engaging in and why.
    We help you attain the most reliable Mortgage program. Hard Money Brokers

    Mortgage Broker Los Gatos CA Our specialty is providing financing to people with confusing financial Situations. Our utmost goal is to create long-term relationships with each of my clients to ensure We may continue providing excellent Mortgage service for several years to come.

    Your Real Estate Success Partners – Trustworthy Mortgage Services in Los Gatos, CA!

    Rely on us as your partners in real estate success with the trustworthy mortgage services we offer in Los Gatos, CA. We’re more than just brokers; we’re committed to your journey. Our solutions are tailored to match your vision, whether it’s a place to call home or an avenue for investment. With a focus on transparency and efficiency, we ensure you’re equipped to make informed decisions. From consultation to closing, we’re by your side. Ready to embark on your success story? Connect with us at Tel 669-221-1550 or choose our seamless online application – your path to property achievement starts now.

    Contact Us :

    Happy Investments, Inc. Los Gatos CA
    15559 Union Ave Suite 3025-F
    Los Gatos, CA 95032
    Phone: 669-221-1550
    Website: https://www.happyinvestmentsinc.com/mortgage-broker-los-gatos-ca/

    Choose reliable Mortgage Broker Los Gatos CA

    We provide services for the following Mortgage Loans:

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

    No matter if you’re a very first time home buyer or an Expertise Investors. Look no more Call us Today To acquire A Free Quote. Call 669-221-1550

    Since 2005 Happy Investments Inc has swiftly 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 founding purpose to give competitive products with the most effective rates and service. Our staff has many years of practical experience and knowledge working in this particular industry, and we can say with confidence that we will get the job done right. First Time Home Buyers

    we manage for the sole purpose of offering low-cost mortgage financing to all qualified clients. Established in California during the peak of the economic crisis, our commitment to customer service makes sure a hassle-free and financially extremely satisfying consumer experience.

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

    Our team has worked with decades for property owners like you. We have connections with local lenders who know this market and understand the needs of midsize and smaller building owners throughout the City’s neighborhoods. These relationships can help you get the lending you need. Mortgage Broker Los Gatos CA

    our mission is to set a high standard in the mortgage industry. We are committed to quality customer service – putting the people we serve first. Our goal is to carefully guide you through the home loan 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 decide the loan that is best for you, we will work continuously in your place to help you achieve your dream of homeownership. To Get a Free Quote. Click Here

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

    Give us a call today 669-221-1550 for a free, individualized consultation. You can also apply online. It is fast, secure, and easy

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

    Our company Also Offer in Los Gatos CA:

    Hard Money Lending
    Home Equity Finance
    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 Finance Lender Vacant Lands Lots Loans Financing
    Rehab Construction Fix Flip Loans Finances

    About Los Gatos, California.

    Los Gatos is an incorporated town in Santa Clara County, California, United States. The population is 30,391 according to the 2013 United States Census Bureau.[10] According to Bloomberg Businessweek, Los Gatos is ranked the 33rd wealthiest city in the United States.[11] It is located in the San Francisco Bay Area at the southwest corner of San Jose in the foothills of the Santa Cruz Mountains. Los Gatos is part of Silicon Valley, with several high technology companies maintaining a presence there. Most notably, streaming and content creator, Netflix is headquartered in Los Gatos and has developed a large presence in the area.

    FAQ

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