Happen is a mortgage company that offers a variety of loan programs in terms of terms, lenders and fees. Our low fees are competitive with banks, credit unions and other "retail" lenders. We structure loans so that

individual customer. We offer fixed- and adjustable-rate mortgages, FHA and VA loans, jumbo loans, refinancing options programs, all with various down payment options and credit score requirements. Our goal is to make the homea successful experience. We are an Equal Housing Lender, and our mission is to make Home Loans

of the best lenders in the market for both purchases and refinancing, with credit score requirements as low as 500