Happy Financial Services is committed to helping middle-income families improve the quality of their housing and access to credit. Providing access to housing credit will be particularly important for first-generation urban families who may need to extend or improve their current housing as their families grow. As these families' incomes rise, Happy Financial Services hopes to help them acquire higher quality new housing that they can service through their credit offerings.

It's great to see that Happy Financial Services is not only focused on building a profitable business, but also on making a positive impact on society by increasing the housing stock and improving health and education outcomes for middle-income families.