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Mortgage Broker Newport Beach CA

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Are you looking For a Really good Local Mortgage Broker in Newport Beach CA

Happy Investments Inc has been a Mortgage Broker and lender serving California since 2005. Mortgage Broker Newport Beach CA concentrating on both housing and commercial Mortgage loans. Our dedicated team has over 20 years of combined real estate experience in the funding business. Call us Today at 949-432-7889. Get a FREE Quote.

Mortgage Broker Newport Beach CA Our Organization has many Mortgage methods including very competitive interest rates, low down payment requirements, and versatile underwriting guidelines, Each of these features is crafted to make your Mortgage Loan more reasonably priced.

Our concern is to give reliable rates and low fees.
we walk you through the entire mortgage process.
Close on time in the absence of surprises.
We ensure you understand exactly what we are accomplishing and why.
We help you get the very best Mortgage program.

Charting Your Mortgage Course – Your Newport Beach, CA Navigators of Success!

Chart your mortgage course with the trusted navigators of success in Newport Beach, CA. We’re not just here to secure loans; we’re here to guide you toward financial triumph. Our solutions are crafted to align with your aspirations, whether it’s a dream home or a strategic investment. With a focus on transparency and customer satisfaction, we ensure that every step of the journey is rewarding. Ready to embark on this journey? Contact us at Tel 949-432-7889 or opt for our efficient online application – and let’s chart the course towards your property ambitions together.

Contact Us :

Happy Investments, Inc. Newport Beach CA
3857 Birch Street Suite 3006-G,
Newport Beach, CA 92660
Phone: 949-432-7889
Website: https://www.happyinvestmentsinc.com/mortgage-broker-newport-beach-ca/

Choose amazing Mortgage Broker Loan Programs in Newport Beach CA

We specialize in the following Mortgage Loans:

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

Mortgage Broker Newport Beach CA No matter if 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 949-432-7889

Since 2005 Happy Investments Inc has quickly become a trusted name in the real estate industry as a mortgage broker for residential and commercial mortgages. Mortgage Broker Newport Beach CA Our clients are the driving force behind what we do, and it is the Company’s starting purpose to deliver competitive products with the most effective rates and service. Our staff has many years of experience and knowledge working within this industry, and we can say with confidence that we will get the job done right. no down payment home loans

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

Benefit from our expertise in the Mortgage Loaning industry by applying online today. You will discover that the skill, professionalism, and factor to consider we offer to each of our clients makes getting your funding a worthwhile undertaking. Rehab Loans

Contact us today 949-432-7889 for a free, customized consultation. You can also apply online. It is fast, secure, and easy Transnational Funding

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

Our company Also Offer in Newport Beach CA:

Hard Money Finance
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 Newport Beach, California.

Newport Beach is a seaside city in Orange County, California, United States. Its population was 85,287 at the 2010 census. Newport Beach is also home to Newport Harbor. The Upper Bay of Newport is a canyon, which was carved by a stream in the Pleistocene period. The Lower Bay of Newport was formed much later by sand that was brought along by ocean currents, which constructed the offshore beach that is now recognized as the Balboa Peninsula of Newport Beach.

FAQ

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