Jonathan Sanchez, Mortgage Loan Originator, NMLS #568433

Happy State Bank is excited to offer the Happy HomeBuyer program to borrowers who would not otherwise qualify for more traditional mortgage loan products such as FHA, VA, USDA/RD, Conventional Programs, or Down Payment Assistance.

Some property exclusions and restrictions apply. All products herein are subject to credit and property approval. Program terms & conditions including interest rates, annual percentage rates (APRs) and points or fees are subject to change without notice. Your APR will vary based on your loan amount and applicable finance charges. Products are not available for all amounts; consult your mortgage loan originator for additional details. Down Payment Sources: Funds required for the down-payment may be gift funds from an eligible donor or from a government-sponsored Down Payment Assistance. If gift funds are used, a minimum of 5% borrower contribution must be included. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

Understanding the different types of loans is key to determining which mortgage is best for you. Message me for more information on the Conventional loan product and other available options.

Click here to learn more: https://guide.freddiemac.com

All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

Check out how Happy Mortgage can help your BUY, BUILD or RENOVATE!

Requirements for qualified builder by Happy State Bank, a division of Centennial Bank apply. All loans are subject to credit and property approval. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Happy State Bank, a Division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Reach out to see if you qualify for additional savings and benefits with Happy State's Portfolio Relationship Pricing!

Offer valid for eligible borrowers effective 7/11/23 through 12/31/23. Adjustment in interest rate is applicable to Portfolio Mortgage Products only. Secondary Market Products are not eligible. Eligibility for the discount is not a commitment to lend or a guarantee of a specific rate, the mortgage loan application must meet the qualification requirements for the portfolio product applied for. Qualifying new deposits will be verified in the qualification process of the mortgage loan and the rate discount will be applied to the loan application upon verification. For qualification purposes, the funds representing the new deposit balance may not be utilized to complete the applicable mortgage transaction, i.e., must be in addition to funds used for closing costs, down payment, and reserve requirements. All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Happy State Bank's Professionals Program can help you meet personal & professional financial goals with our customized loan program. Message me to learn more!

*Restrictions apply, consult your mortgage loan originator for additional details. All products herein are subject to credit and property approval. Program terms & conditions including interest rates, annual percentage rates (APRs) and points or fees are subject to change without notice. Your APR will vary based on your final loan amount and applicable finance charges. Not all products are available in all states or for all amounts; consult your mortgage loan originator for additional details. There are no restrictions to the length of time since the medical professional has completed their residency. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Happy State Bank is excited to offer the Happy HomeBuyer program to borrowers who would not otherwise qualify for more traditional mortgage loan products such as FHA, VA, USDA/RD, Conventional Programs, or Down Payment Assistance.

Some property exclusions and restrictions apply. All products herein are subject to credit and property approval. Program terms & conditions including interest rates, annual percentage rates (APRs) and points or fees are subject to change without notice. Your APR will vary based on your loan amount and applicable finance charges. Products are not available for all amounts; consult your mortgage loan originator for additional details. Down Payment Sources: Funds required for the down-payment may be gift funds from an eligible donor or from a government-sponsored Down Payment Assistance. If gift funds are used, a minimum of 5% borrower contribution must be included. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Maximize your buying power with one of Happy State Bank's Non-Traditional Loan Programs. Reach out to learn more!

All loans must meet Happy State Bank and/or Secondary Market lending guidelines and additional restrictions may apply. All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

What's the main difference between being Pre-Approved and Pre-Qualified for a mortgage? A Pre-Qualification provides an estimate of how much home you can afford. A Pre-Approval is more in depth and involves verifying your financial information to provide a more accurate amount. But both options provide clarity when shipping for a home loan. Message me to learn more!

All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Your monthly mortgage payment is determined by several factors and varies based on the specific terms of your loan agreement. Here are some key items that can affect your monthly payment amount…

All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Pre-Qualification is a good first step towards homeownership. However, a Pre-Approval is based on verified data and signals to sellers that you’re an approved and motivated buyer.

All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.



https://myoc.io/JonathanSanchez

The period between mortgage approval and closing day is critical. Any significant changes to your financial situation could cause complications. It is essential to maintain financial stability and avoid actions that could jeopardize your loan approval or delay the closing.

All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Happy State Bank supports National EMS Appreciation Week. Thank you for rising to the challenge of serving on the medical frontline. Your hard work is appreciated!

Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Happy State Bank proudly supports National Police Appreciation Week. Thank you to our law enforcement officers for the hard work you do each day keeping our communities safe!

Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Happy State Bank proudly supports National Teacher Appreciation Week. The transformation of education begins with teachers, and we appreciate all that you do!

Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Happy State Bank proudly supports National Nurse Appreciation Week. Thank you to our nurses who play such a vital role in our healthcare system. Our Nurses-Our Future. We appreciate you!

Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

If you’re tired of rising rents but not certain what's required to buy in today’s market, reach out and let's discuss your path to homeownership.

All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Let's see if there's a down payment assistance program for you...

All loans subject to credit and property approval. Some restrictions and eligibility requirements apply. Credit and collateral are subject to change without notice. This is not a commitment to lend. Products are not available for all amounts; consult your mortgage loan originator for additional details. Happy State Bank, a Division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDCIC.

https://myoc.io/JonathanSanchez

Jonathan Sanchez, Mortgage Loan Originator, NMLS #568433 MLO w/Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC

Reach out to see if you qualify for the Texas Hometown Heroes Housing Program!

Eligible frontline workers can receive lower than market rates on an FHA, VA, RD, Fannie Mae, or Freddie Mac 1st mortgage, reduced upfront fees, no origination points or discount points & down payment & closing cost assistance. Borrowers can receive up to 5% of the 1st mortgage loan amount (max of $25,000) in down payment & closing cost assistance. Down payment & closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred 2nd mortgage. This 2nd mortgage becomes due & payable, in full, upon sale of the property, refinancing of the 1st mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Check out our exclusive program for borrowers who purchase or build with a participating Home Builder!

Click to learn more about program qualifications: https://www.happybank.com/personal/mortgage/mortgage-loan-process. All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

If you're an Investor looking to build your Portfolio, check out our Investor Cash Flow Program!

*DSCR–Debt Service Coverage Ratio: Rent/Mortgage. All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Did you know that you may be able to cover the down payment on a home by utilizing the funds from your tax refund? Reach out to learn more...

All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Take advantage of Happy State's Pre-Approval Program and be more prepared when committing to a purchase contract!

Click here to learn more about qualifications: https://www.happybank.com/personal/mortgage/mortgage-loan-process. All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Let's see if there's a down payment assistance program for you...

All loans subject to credit and property approval. Some restrictions and eligibility requirements apply. Credit and collateral are subject to change without notice. This is not a commitment to lend. Products are not available for all amounts; consult your mortgage loan originator for additional details. Happy State Bank, a Division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Turn your VISION into a REALITY! Happy State Bank offers lot loans and one-time construction to permanent financing.

All loans subject to credit approval and property eligibility restrictions. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Happy State Bank, a Division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez

Are you a full-time TEACHER or staff member in a local school? Happy State wants to say “Thank You” with our Affinity Education Program! Borrowers can receive $1,025 in lender credit applied towards origination charges.

Click here to learn more about qualifications: https://www.happybank.com/personal/mortgage/mortgage-loan-process. All loans subject to credit and property approval. Happy State Bank, a division of Centennial Bank NMLS #466091. Equal Housing Lender. Member FDIC.

https://myoc.io/JonathanSanchez