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About us

Let's embark on the journey of how it all started

Our pledge to excellence in providing personalized mortgage solutions for your unique path to financial success and homeownership.

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Our Story

Chris Kobz
Owner, HappyDog

We are a licensed, local mortgage broker with more than 20 years of mortgage experience. We are independent and do not work for a specific bank or lender. That independence is your secret home financing weapon, since we can shop multiple wholesale mortgage lenders on your behalf — giving you access to more home loan options than what a bank or online lender can offer.

The result is typically a cheaper, faster and easier mortgage for you.

14 days

Avg. Closing Time

Excellent

Reviews

20+

Years of mortgage experience

Process overview

Here's How
We Get It Done

1
Pre-Approval

Share your financials to see how much you can borrow and at what rate.

2
Loan Application

Find a home within your budget and formally apply for a mortgage.

3
Lock Rate

Secure a fixed interest rate for your mortgage during the lock-in period.

4
Loan Processing

The lender verifies your details and appraises the property.

5
Underwriting

The underwriter reviews your application to decide loan approval.

6
Closing

Sign final documents, pay closing costs & officially own your new home.

Our presence

Born And Bred in California. Built For Wherever Home Takes You.

Our team

Meet the Team

Chris Kobz
Loan Officer  |  NMLS #208371
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AJ Barandeh
Loan Officer  |  NMLS #1137611
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Alex Wahba
Loan Officer  |  NMLS #2666977
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Ari Gagne
Loan Officer  |  NMLS #1387310
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Ben Heinrichs
Loan Officer  |  NMLS #341577
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Jay Jones
Loan Officer  |  NMLS #1140576
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Jason Pezzetti
Loan Officer  |  NMLS #1720514
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Jeremy Williams
Loan Officer  |  NMLS #746758
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Justin Bowman
Loan Officer  |  NMLS #219579
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Megan Dusell
Loan Officer  |  NMLS #1566200
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Mike McKee
Loan Officer  |  NMLS #1537373
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Rudy Cortez
Loan Officer  |  NMLS #346190
Phone: (530) 354-7745
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Tori Goble
Loan Officer  |  NMLS #1158492
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Vinnie Anderson
Loan Officer  |  NMLS #1579648
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Happy Loans. Happy Homes.

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No impact on credit score
No hidden costs
No documents required