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Mortgage Broker Long Beach CA

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    Are probably you finding a Good Local Mortgage Broker in Long Beach CA

    Happy Investments Inc has been a Mortgage Broker and loan company serving California since 2005. Mortgage Broker Long Beach CA specializing in both residential and commercial Mortgage loans. Our dedicated team invites 20 years of shared real estate experience in the loan business. Call us Today at 562-548-8015. Get a FREE Quote.

    Mortgage Broker Long Beach CA

    Our Establishment has many Mortgage plans that include reasonable rates of interest, low down payment requirements, and flexible underwriting standards, Each of these features is formed to make your Mortgage Loan more affordable.

    Our preference is to ensure effective rates and low fees.
    we walk you through the entire mortgage process.
    Close in time in the absence of surprises. Mortgage Broker Long Beach CA
    We make sure you understand exactly what we are handling and why.
    We help you find the Best Mortgage program.

    Mortgage Broker Long Beach CA Our specialty is providing financing to people with confusing financial Situations. Our utmost goal is to create lasting relationships with each of our clients to make sure that We may continue providing reliable Mortgage service for several years to come.

    Empowering Dreams, Enabling Ownership – Your Long Beach, CA Mortgage Partners!

    Empower your dreams and enable ownership with the supportive guidance of your mortgage partners in Long Beach, CA. We’re not just brokers; we’re enablers of your property aspirations. Our expertise lies in understanding your goals and translating them into comprehensive solutions. With a deep commitment to your success, we streamline the mortgage process, ensuring you’re well-informed every step of the way. Whether you’re purchasing a home or investing strategically, take the first step by connecting with us at Tel 562-548-8015 or utilizing our efficient online application – your journey towards property ownership begins here.

    Contact Us :

    Happy Investments, Inc. Long Beach CA
    2436 East 4th Street # 1008-E,
    Long Beach, CA 90814
    Phone: 562-548-8015
    Email: longbeachhiiloans@gmail.com
    Website: https://www.happyinvestmentsinc.com/mortgage-broker-long-beach-ca/

    Choose desired Mortgage Broker Loan Programs in Long Beach CA

    We specialize in the following Mortgage Loans:

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

    Regardless of whether you’re a first time home buyer or an Expertise Investors. Look no further Call us Today To Get A Free Quote. Call 562-548-8015

    Since 2005 Mortgage Broker Long Beach CA has promptly become a relied on a 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 starting purpose to give competitive products with the very best 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.

    we control for the sole purpose of providing low-cost mortgage financing to all qualified clients. Founded in California during the peak of the economic crisis, our commitment to customer service ensures a hassle-free and financially pleasurable consumer experience.

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    ABOUT Long Beach, CA

    Mortgage Broker Long Beach Ca Incorporated in 1897, Long Beach lies in Southern California in southern Los Angeles County.[16] Long Beach is approximately 20 miles (32 km) south of downtown Los Angeles, and is part of the Gateway Cities region. The Port of Long Beach is the second busiest container port in the United States and is among the world’s largest shipping ports.The city is over an oilfield with minor wells both directly beneath the city as well as offshore.

    The city is known for its waterfront attractions, including the permanently docked RMS Queen Mary and the Aquarium of the Pacific. Long Beach also hosts the Grand Prix of Long Beach, currently an IndyCar race and the Long Beach Pride Festival and Parade. The California State University, Long Beach, one of the largest universities in California by enrollment, is located in the city.

    FAQ

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