HappyDog CELP
  • 810-275-1714
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  • Loan Officers
    • Loan Officer – Jason Pezzetti
    • Loan Officer – Megan Dusell
    • Loan Officer – Mike McKee
    • Loan Officer – Tori Goble
  • Loan Products
    • Adjustable-Rate Mortgage Loan
    • Conventional Loan
    • Down Payment Assistance
    • FHA Mortgage Loan
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    • Jumbo Mortgage Loan
    • Physician Loan Mortgage
    • Refinance Loan
    • Reverse Mortgage Loan
    • USDA Mortgage Loan
    • VA Mortgage Loan
  • Our Blog
HappyDog CELP
  • Get Started
    • Buy
    • Refinance
  • Mortgage Calculator
    • Purchase Calculator
    • Refinance Calculator
  • Loan Officers
    • Loan Officer – Jason Pezzetti
    • Loan Officer – Megan Dusell
    • Loan Officer – Mike McKee
    • Loan Officer – Tori Goble
  • Loan Products
    • Adjustable-Rate Mortgage Loan
    • Conventional Loan
    • Down Payment Assistance
    • FHA Mortgage Loan
    • Fixed-Rate Mortgage Loan
    • Jumbo Mortgage Loan
    • Physician Loan Mortgage
    • Refinance Loan
    • Reverse Mortgage Loan
    • USDA Mortgage Loan
    • VA Mortgage Loan
  • Our Blog
  • 810-275-1714
  • Apply Now
Conforming Loan Limits Raised!

Conforming Loan Limits Raised!

by Chris Kobz, SVP & Director of California Employee Loan Program | Dec 3, 2024 | First Time Home Buyers, Home Buying, Market Update, Real Estate

More Buying Power for Homebuyers in 2025: Conforming Loan Limits Raised to $806,500!   Big news for homebuyers—your purchasing power just got a boost! The Federal Housing Finance Agency (FHFA) has announced an increase in the conforming loan limit for...
Why Buying Real Estate Young is the Ultimate Wealth-Building Move

Why Buying Real Estate Young is the Ultimate Wealth-Building Move

by Chris Kobz, SVP & Director of California Employee Loan Program | Nov 26, 2024 | First Time Home Buyers, Home Buying, Real Estate

Investing in real estate as early as possible is one of the smartest financial decisions you can make, especially if you’re in California, where programs like bond initiatives can help you purchase a home with no down payment. These opportunities make entering the...
How Do 20-Something Investors Own 20 Properties? Here’s Their Secret

How Do 20-Something Investors Own 20 Properties? Here’s Their Secret

by Chris Kobz, SVP & Director of California Employee Loan Program | Nov 19, 2024 | First Time Home Buyers, Home Buying, Real Estate, Technical Mortgages

Ever wondered how some investors in their 20s manage to own 20 (or more!) properties before they even hit 30? It’s not because they’ve won the lottery or inherited millions. Their secret? DSCR Loans (Debt Service Coverage Ratio Loans). We specialize in programs like...
Fairway: Your Credit-Friendly Mortgage Partner

Fairway: Your Credit-Friendly Mortgage Partner

by Chris Kobz, SVP & Director of California Employee Loan Program | Oct 3, 2024 | Credit, Home Buying, Real Estate, Technical Mortgages

At Fairway Independent Mortgage Corp, we’re committed to providing you with a seamless and stress-free mortgage experience. One of the ways we achieve this is by using soft credit pulls for prequalification.   Why Soft Credit Pulls Matter Soft credit pulls...
Mortgage Rates Are Low – Is It Time to Refinance?

Mortgage Rates Are Low – Is It Time to Refinance?

by Chris Kobz, SVP & Director of California Employee Loan Program | Sep 10, 2024 | Market Update, Mortgage Rates, Real Estate

Did you hear? Mortgage rates are at a 15-month low right now, and with the Fed cutting rates, they might drop even more. If you’ve been thinking about refinancing your mortgage, this could be a great time to do it and save some money. But before jumping in, let’s...
Beat The Heat – Top 5 Reasons to Buy a Home During Spring

Beat The Heat – Top 5 Reasons to Buy a Home During Spring

by Chris Kobz, SVP & Director of California Employee Loan Program | Mar 20, 2024 | Home Buying, Housing Inventory, Real Estate

Springtime brings more than just blooming flowers and warmer weather—it’s also an ideal season to consider purchasing a home. From favorable market conditions to the vibrant atmosphere, here are the top five reasons why spring is the perfect time to make your...
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HappyDog CELP

300 Salem Street, Chico, CA 95928   |   Go Rascal Inc. NMLS ID: 2072896

HappyDog is a registered DBA of Go Rascal Inc., a licensed mortgage broker. Loans are arranged through third-party lenders. All loans are subject to underwriting approval, terms and conditions may apply, and programs are subject to change without notice. We are an Equal Housing Opportunity mortgage broker. We do not discriminate based on race, color, religion, nation origin, sex, familial status, or disability. This website is intended for consumers in Arizona, California, Colorado, Oregon, Texas, and Washington only. Go Rascal Inc. does not conduct business as HappyDog in any states not listed.

Complaints may be directed to: (877) 699-0353 or Email us: celpteam@happydog.com.

NMLS Consumer Access

Equal Housing Opportunity