-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.