This is not our first refi, but it was by far the most pleasurable and easiest because of Nathan. He is a professional and understands the ins and outs of this industry.
C
ChelseaBorrower
Expert guidance. Stress‑free mortgages.
Whether you're buying your first home or refinancing the one you love, we guide you through every step with a loan tailored to you.
★★★★★ 2,297 client reviewsZillow 4.96 · Google 5.0 · Yelp 4.5
Free e-book
Our free guide to buying your first home.
Ten short chapters that walk you from renting to owning, sent straight to your inbox.
- How to know you're ready to buy
- Getting pre-approved the right way
- Making an offer and negotiating
- Closing without surprises
Your information is never shared or sold.
Why Clear Mortgage Capital
A digital process that saves you time and money.
Our digital loan-application process helps avoid legal hassle while saving you time and money.
- 01
Fast turnaround
Our internal process ensures that we meet your needs with fast turnaround times.
- 02
Full transparency
We believe in transparency and open access to information related to your mortgage.
- 03
Secure documents
Enjoy peace of mind by sending documents securely with our end-to-end encrypted database.
- 04
Lower cost
We show you options that are best suited for your needs to minimize your cost.
- 05
Paperless
Our agents handle the documents, offering you a process that's as effortless as it is paperless.
- 06
Completely digital
Our mortgage process is completely digital, making it easily accessible and convenient for you.
Reviews
Thousands of happy homeowners.
We are proud to have helped thousands of happy customers over the years.
“Nathan locked us into an amazing rate and closed our loan in less than two weeks! He did everything he promised and made the entire process simple and smooth.”
A
AlexBorrower · ★★★★★
Zillow
I just did a refinance with Nathan. He and his staff got me a great rate and made the process extremely easy. He was accessible and promptly responded to all my questions. I would definitely recommend him. In fact, I recommended him to two other friends who were interested in refinancing as well.
M
MarkBorrower
Loan programs
Competitive rates across a wide variety of loans.
From first-time buyers to seasoned investors, we'll match you with the right program.
Most popularConventional
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good option if you plan on staying in your home for years to come.
Apply for Conventional
First-time buyersFHA Loans
Mortgages insured by the Federal Housing Administration (FHA) offer more lenient qualification requirements. You might consider an FHA loan if you have a modest credit score or prefer a lower minimum down payment on your home.
Apply for FHA
Real estate investorsDSCR Loans
DSCR loans are ideal for real estate investors, using the property's income potential rather than personal income for qualification. Loan amounts are based on the property's ability to generate rental income, so you can grow your portfolio without traditional income verification.
Apply for DSCR
Veterans & service membersVA Loans
A VA home loan is guaranteed in part by the US Department of Veterans Affairs and offers more favorable terms. Active duty, veteran, and surviving spouses are all eligible for VA loans.
Apply for VA
Luxury & high-value homesJumbo Loans
If you need to finance a home that's too expensive for a conventional loan, you may need a jumbo loan. Feel free to contact us if you're not sure whether this is for you and we can talk through your options together.
Apply for Jumbo
Self-employedBank Statement Loans
For self-employed individuals or those with non-traditional income sources, bank statement loans offer flexibility. These loans use your bank statements to verify income instead of tax returns, making homeownership more accessible for entrepreneurs and gig workers.
Apply for Bank Statement
Tap your equityHELOC
A Home Equity Line of Credit (HELOC) allows you to borrow against your home's equity as needed. With flexible draw periods and repayment terms, it's an excellent option for funding home improvements, consolidating debt, or covering large expenses.
Apply for HELOCSwipe to explore all 7 programs
How it works
Four steps from application to funding.
01
Apply online
Take five minutes to answer a few questions about you and your loan. Once we receive your application, we'll contact you to keep the ball rolling.
02
Connect & verify documents
Once your loan application is accepted, you'll submit the documents requested by our loan officer.
03
Lock your rate
Our agent sends you loan options that best match your profile. Pick one and we'll proceed with the paperwork to lock in your rate.
04
Underwritten & funded
We complete underwriting as quickly as possible, keeping you informed as we go. Once everything's ready, we promptly fund your loan.
Ready for step one? It only takes five minutes.
16,450+Home loans completed
$4.9BTotal loan funding
We're backed by some of the top lenders in the market, allowing us to search hundreds of options to find you the most competitive rate.
Our team
Find a Loan Officer Seasoned loan officers, real dedication.
Get in touch
Let's save you time and money on your next mortgage.
Talk to a loan expert today — no fee to apply and no obligation.
Call us(866) 239-8068
Visit us19800 MacArthur Blvd, Suite 880, Irvine, CA 92612
Why should I use Clear Mortgage Capital for my home loan?
Our team of loan officers is highly respected in the mortgage industry. We've helped countless individuals and families over the years with their new-mortgage and refinancing needs. Our online application process is quick and painless, and when it's combined with our lender relationships, we're able to offer you competitive rates.
Do you require a minimum credit score for a loan?
We currently require a credit score of at least 500 for purchase and refinance, and 550 for a cash out refinance.
Is there a fee to apply for a home loan?
No, there's no fee to apply for a loan with Clear Mortgage Capital.
How are you able to offer such low mortgage rates?
Traditional banking institutions use traditional methods to process loan applications. Our digital mortgages are much simpler, which translates directly to cost savings for you.
Do you offer a rate match policy?
We certainly do. If you find a lower rate than we offered you, please let us know and we'll gladly match it. (Certain restrictions apply)
Free quote
Get a free quote
A loan officer will follow up with your real numbers. No cost, no obligation.
You're all set.
A loan expert will reach out shortly, usually within one business day. Want to move faster? Start your application or call (866) 239-8068.
★★★★★2,297 client reviews(866) 239-8068