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-we have a large variety of loans products to fit unique situations

not having perfect credit doesn't mean

you can't buy your perfect home

The Happy Mortgage Company champions those borrowers whose independence, entrepreneurial drive and determination are often why they can’t qualify for a traditional loan.  Using ingenuity, powered by common-sense underwriting and investors, we originate mortgage loans that put owning your dream home within reach of obtaining the financing you deserve.  We offer FHA, VA, Conventional and Non QM loans.

home loans for the self employed

Bank Statement Jumbo 

This loan allows you to use your Bank Deposits instead of "traditional" income documentation.

1099 Jumbo 

Great opportunity for an applicant who generates income either in the form of Commissions or as an Independent Contractor

Non-Warrantable Condo Products

Rental Income DSCR 

Ideal for an investor who wants to use the Cash Flow from the property as a means of qualifying.

Prime Jumbo 

Purchase or Refinance a home with a Loan Amount greater than the Fannie Mae Loan Limit for a single-family home

mortgage insurance doesn't have to be forever

Mortgage insurance is an insurance policy which compensates lenders or investors in mortgage-backed securities for losses due to the default of a mortgage loan. Mortgage insurance can be either public or private depending upon the type of loan.

If you have private mortgage insurance when you have paid the mortgage balance down to 80% of the home's original appraised value, you can ask your lender to drop the mortgage insurance. When your loan balance drops to 78% the mortgage servicer is required to eliminate the mortgage insurance on conventional loans. 

There are many other types of conventional mortgages that don’t require

Mortgage Insurance.

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