Happy Home Funding, LLC specializes in a range of inventive programs custom-made to meet your needs. Our highly qualified loan officers, will conduct a broad evaluation of your financial needs. We will steer you towards the best loan that is suited for you.

Listed below are some of the many products/features that are available through Happy Home Funding, LLC.

Loan rates and terms are a function of Credit worthiness, credit score, payment history, income, occupancy, property value in relation to loan Amount (LTV) and assets

Announcing our 1.5% Stable Adjustable Interest rate (if qualified)

• Borrowers with no scores may qualify for loans.
• Low Fixed rate for first and second mortgages
• Interest-only Arms
• No Income Verification! No Docs! No Money down (if qualified)
• No sourcing of needed funds for down payment or closing cost.
• Sellers concessions allowable to 6%
• No municipal searches needed!! No C/O's (if qualified)
• Collection accounts are ignored on purchases.
• Bank seasoning not required. Funds must be issued from borrowers account.
• Bankruptcies must be DISCHARGED not DISMISSED.
• 100% Financing for owner occupied transactions and some NOO.
• Rate drops 0.375% each year for 4 years providing mortgage payments are made on time.
• That's a total rate reduction over 4-year period of 1.50%
• Looking for INVESTORS for Investment Properties

Noel Patterson, Sr. Personal Mortgage Planner. (office) 212-300-5855 (fax) 631-521-5760 nopat138@yahoo.com

This document is for information only, please contact Noel for questions and answers.