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Mortgage Broker San Rafael CA

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    Are you finding a Reliable Local Mortgage Broker in San Rafael CA

    Happy Investments Inc has been a Mortgage Broker and loan provider serving California since 2005. Mortgage Broker Sam Rafael CA specializes in both residential and commercial Mortgage loans. Our dedicated team has more than 20 years of combined real estate experience in the funding business. Call us Today at 628-234-3209. Get a FREE Quote.

    Mortgage Broker Sam rafael CA

    Mortgage Broker Sam Rafael CA

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

    Our concern is to ensure great rates and low fees.
    we walk you through the overall mortgage process.
    Close on time without any surprises.
    We assure you understand exactly what we are engaging in and why.
    We help you acquire the most suitable Mortgage program.

    Mortgage Broker San Rafael CA Our specialty is providing funding to people with confusing financial Situations. Our utmost goal is to create enduring relationships with each of our clients to ensure that We may continue providing excellent Mortgage service for a long period of time to come.

    Your San Rafael, CA Mortgage Destination: Crafting Pathways to Real Estate Fulfillment

    Discover a realm of real estate possibilities in San Rafael, CA, as you choose us as your trusted Mortgage Destination. Informed by an intricate understanding of local intricacies, we design mortgage plans that intricately suit your needs. Propel yourself toward approval and funding through our skilled team, all while benefiting from competitive rates and a steadfast client-focused ethos. Whether you’re a first-time home seeker, an astute investor, or contemplating mortgage refinancing, our support knows no bounds. Initiate your journey seamlessly through our streamlined online application or reach us today at Tel 628-234-3209. Realize your real estate dreams with the paramount Mortgage Destination in San Rafael, CA.

    Contact Us :

    Happy Investments, Inc. San Rafael CA
    454 Las Gallinas Ave Suite 1015-J
    San Rafael, CA 94903
    Phone: 628-234-3209
    E-mail: klpdfunding10@gmail.com
    Website: https://www.happyinvestmentsinc.com/mortgage-broker-san-rafael-ca/

    Choose the Best Mortgage Broker Loan Programs in San Rafael 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 Lending
    Hard Money Finance
    Home Equity Finance
    Second 2nd Mortgage Finance
    Commercial Loans
    Bank Statement Home Finance
    Home Improvement
    First Time Home Buyers
    Vacant Lands Finance
    Transactional Funding
    Rehab/Construction & Investment Lending
    And Much, Much More!

    Mortgage Broker San Rafael CA No matter if you’re a first time home buyer or an Expertise Investors. Look no more Call us Today In order to get A Free Quote. Call 628-234-3209

    Since 2005 Happy Investments Inc 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 give competitive products with the most effective rates and service. Our staff has years of practical experience and knowledge working here in this industry, and we can say with confidence that we will get the job done right.

    Mortgage Broker San Rafael CA we control for the sole purpose of giving low-cost mortgage funding to all qualified clients. Founded in California during the peak of the financial crisis, our commitment to customer service provides a hassle-free and financially satisfying consumer experience.

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

    Our team has helped decades on behalf of building owners like you. We have connections with local lenders who know this market and comprehend the needs of midsize and smaller facility owners throughout the City’s neighborhoods. These relationships can help you get the financing you need. online mortgage

    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 mortgage process so that you can confidently select the most effective mortgage for you and your family from the many mortgage options that are available today. After you pick out the loan that is best for you, we will work constantly in your place to help you achieve your dream of homeownership. To Get a Free Quote. Click Here

    Make the most of our expertise in the Mortgage Lending industry by applying online today. You will identify that the skill, professionalism, and things to consider we provide for each of our clients make getting your finance a worthwhile endeavor.

    Call us today 628-234-3209 for a free, customized consultation. You can also apply online. It is fast, secure, and easy

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

    Our company Also Offer in San Rafael CA:

    Hard Money Loans
    Home Equity Lending
    Second 2nd Mortgage Lending
    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 San Rafael, California:

    San Rafael is a city and the county seat of Marin County, California, United States. The city is located in the North Bay region of the San Francisco Bay Area. As of the 2010 census the city’s population is 57,713.
    According to the United States Census Bureau, the city has a total area of 22.4 square miles (58 km2). 16.5 square miles (43 km2) of it is land and 6.0 square miles (16 km2) of it (26.55%) is water. South of the county is San Francisco.

    FAQ

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