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Hello,
I'm Carmel Woodard
Loan Officer

NMLS#: 2259705

Carmel Woodard
Hello, welcome to my page.

At Happy Home Lending, I’m more than just a mortgage loan officer—I’m your dedicated partner in navigating the path to homeownership. With a commitment to transparency, I ensure you fully understand your options, empowering you to make informed decisions. My dedication to your goals means I’ll work tirelessly to find the best loan solutions tailored to your unique needs.

Kindness is at the heart of my approach. I genuinely care about your journey and strive to make the mortgage process as smooth and stress-free as possible. Hard work and integrity guide every step I take, from pre-approval to closing.

Whether you’re a first-time homebuyer, looking to refinance, or exploring investment property options, I’m here to help you achieve your homeownership dreams with confidence and peace of mind.

Ready to take the next step? Contact me today to explore your mortgage options and start your journey toward a new home.

All-in-One Solution

Our Loan Process...

PRE-APPROVAL

A loan pre-approval sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

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