WEBSITE DISCLAIMER
The information provided by Clear Mortgage Capital, Inc. ("we," "us" or "our") on https://www.clearmortgagecapital.com (the "Site") is for general informational purposes only. All information on the Site is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability or completeness of any information on the Site except when explicitly required by applicable governmental laws and regulations. UNDER NO CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SITE OR RELIANCE ON ANY INFORMATION PROVIDED ON THE SITE. YOUR USE OF THE SITE AND YOUR RELIANCE ON ANY INFORMATION ON THE SITE IS SOLELY AT YOUR OWN RISK.
The Site may contain (or you may be sent through the Site) links to other websites or content belonging to or originating from third parties. Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability or completeness by us. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR THE ACCURACY OR RELIABILITY OF ANY INFORMATION OFFERED BY THIRD-PARTY WEBSITES LINKED THROUGH THE SITE OR ANY WEBSITE OR FEATURE LINKED IN ANY BANNER OR OTHER ADVERTISING. WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.
PROFESSIONAL SPECIALTY
The Site may contain (or you may be sent through the Site) links to other websites or content belonging to or originating from third parties. Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability or completeness by us. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR THE ACCURACY OR RELIABILITY OF ANY INFORMATION OFFERED BY THIRD-PARTY WEBSITES LINKED THROUGH THE SITE OR ANY WEBSITE OR FEATURE LINKED IN ANY BANNER OR OTHER ADVERTISING. WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.
FAIR LENDING
In accordance with the Equal Credit Opportunity Act and Fair Housing Amendments Act, we do not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer's income derives from a public assistance program; or any other basis prohibited by law.
We are committed to fair lending practices. It is our policy to ensure products and services are available to all applicants on a consistent and fair basis, provided they meet standard guidelines for safe and sound lending. We do not originate loans that would be considered "High Cost Loans" under the Federal Home Ownership & Equity Protection Act (HOEPA). We do not engage in and are emphatically against any predatory lending practices.
LICENSING
CLEAR MORTGAGE CAPITAL, INC.; NMLS ID: 1935005; CLEAR MORTGAGE CAPITAL, INC. Equal Housing Lender. Terms and conditions apply. Telephone number 866-239-8068. NMLS#1935005 Regulated by the CA Department of Real Estate; Clear Mortgage Capital, Inc. Equal Housing Lender. Terms and conditions apply. Address: 19800 MacArthur Blvd, Suite 880 Irvine, CA 92612. Oregon Mortgage Lending Licensee. NMLS#1935005; Clear Mortgage Capital, Inc. Equal Housing Lender. Terms and conditions apply. Washington Mortgage License#CL-1935005. NMLS#1935005; DRE CA license#02110465, Loans made or arranged pursuant to a California Department of Real Estate License #02110465. 950 S Coast Drive, Suite 220 Costa Mesa, CA 92626. Licensed by the New Hampshire Mortgage Banker License #23342-MBR, NMLS 1935005 Address: 950 S Coast Drive, Suite 220 Costa Mesa, CA 92626. Florida Mortgage Broker License# MBR3586. NMLS 1935005 Address 950 S Coast Drive, Suite 220 Costa Mesa, CA 92626.
Rate Disclaimer
Maximum loan amounts determined by Federal Housing Finance Agency's (FHFA) conforming loan limit for each California county. Disclosed rate assumes a 15 year fixed (180 payments) with a loan amount of $400,000 rate and term refinance loan on an owner-occupied single family residence in California. Minimum 740 FICO credit score, 50% loan to value with no subordinate debt. If these factors are not met, you may still qualify and additional pricing adjustments may apply. Subject to underwriting approval. Not all applicants will qualify.
Monthly Payment and APR Disclosure
| Conforming 15 year | |||
|---|---|---|---|
| Rate(%) | Points | APR(%) | Monthly Payment per $1,000 |
| 1.875 | 0 | 1.875 | $6.38 |
| 1.99 | 0 | 1.99 | $6.43 |
| 2.125 | 0 | 2.125 | $6.49 |
| 2.25 | 0 | 2.25 | $6.55 |
| 2.375 | 0 | 2.375 | $6.61 |
| 2.5 | 0 | 2.5 | $6.67 |
| 2.625 | 0 | 2.625 | $6.73 |
| 2.75 | 0 | 2.75 | $6.79 |
| 2.875 | 0 | 2.875 | $6.85 |
| 2 | 0.5 | 2.059 | $3.70 |
| 1.75 | 0.5 | 1.861 | $6.32 |
| 1.875 | 0.5 | 1.986 | $6.38 |
| 1.99 | 0.5 | 2.102 | $6.43 |
| 2.125 | 0.5 | 2.238 | $6.49 |
| 1.75 | 1 | 1.93 | $6.32 |
| 1.875 | 1 | 2.056 | $6.38 |
| 1.99 | 1 | 2.172 | $6.43 |
| 2.125 | 1 | 2.308 | $6.49 |
| 2.25 | 1 | 2.434 | $6.55 |
| 2.375 | 1 | 2.56 | $6.61 |
| 2.5 | 1 | 2.686 | $6.67 |
| 2.625 | 1 | 2.812 | $6.73 |
| 2.75 | 1 | 2.938 | $6.79 |
| 2.875 | 1 | 3.065 | $6.85 |
| 1.75 | 1.5 | 1.998 | $6.32 |
| 1.875 | 1.5 | 2.125 | $6.38 |
| 1.99 | 1.5 | 2.241 | $6.43 |
| 2.125 | 1.5 | 2.377 | $6.49 |
| 2.25 | 1.5 | 2.504 | $6.55 |
| 2.375 | 1.5 | 2.63 | $6.61 |
| 2.5 | 1.5 | 2.756 | $6.67 |
| 2.625 | 1.5 | 2.883 | $6.73 |
| 2.75 | 1.5 | 3.009 | $6.79 |
| 2.875 | 1.5 | 3.135 | $6.85 |
| 1.75 | 1.75 | 2.033 | $6.32 |
| 1.75 | 1.875 | 2.05 | $6.32 |
| 1.875 | 1.875 | 2.176 | $6.38 |
| 1.99 | 1.875 | 2.293 | $6.43 |
| 2.125 | 1.875 | 2.429 | $6.49 |
| 1.875 | 2 | 2.193 | $6.38 |
| 1.99 | 2 | 2.31 | $6.43 |
| 2.125 | 2 | 2.446 | $6.49 |
| 2.25 | 2 | 2.573 | $6.55 |
| 2.375 | 2 | 2.7 | $6.61 |
| 2.5 | 2 | 2.826 | $6.67 |
| 2.625 | 2 | 2.953 | $6.73 |
| 2.75 | 2 | 3.079 | $6.79 |
| 2.875 | 2 | 3.206 | $6.85 |
| High Balance 15 year | |||
| Rate(%) | Points | APR(%) | Monthly Payment per $1,000 |
| 1.875 | 0 | 1.875 | $6.38 |
| 1.99 | 0 | 1.99 | $6.43 |
| 2.125 | 0 | 2.125 | $6.49 |
| 2.25 | 0 | 2.25 | $6.55 |
| 2.375 | 0 | 2.375 | $6.61 |
| 2.5 | 0 | 2.5 | $6.67 |
| 2.625 | 0 | 2.625 | $6.73 |
| 2.75 | 0 | 2.75 | $6.79 |
| 2.875 | 0 | 2.875 | $6.85 |
| 1.875 | 1 | 2.042 | $6.38 |
| 1.99 | 1 | 2.168 | $6.43 |
| 2.125 | 1 | 2.294 | $6.49 |
| 2.25 | 1 | 2.42 | $6.55 |
| 2.375 | 1 | 2.546 | $6.61 |
| 2.5 | 1 | 2.672 | $6.67 |
| 2.625 | 1 | 2.798 | $6.73 |
| 2.75 | 1 | 2.924 | $6.79 |
| 2.875 | 1 | 3.05 | $6.85 |
| 1.875 | 1.5 | 2.111 | $6.38 |
| 1.99 | 1.5 | 2.237 | $6.43 |
| 2.125 | 1.5 | 2.363 | $6.49 |
| 2.25 | 1.5 | 2.49 | $6.55 |
| 2.375 | 1.5 | 2.616 | $6.61 |
| 2.5 | 1.5 | 2.742 | $6.67 |
| 2.625 | 1.5 | 2.869 | $6.73 |
| 2.75 | 1.5 | 2.995 | $6.79 |
| 2.875 | 1.5 | 3.121 | $6.85 |
| 1.875 | 2 | 2.18 | $6.38 |
| 1.99 | 2 | 2.306 | $6.43 |
| 2.125 | 2 | 2.433 | $6.49 |
| 2.25 | 2 | 2.559 | $6.55 |
| 2.375 | 2 | 2.686 | $6.61 |
| 2.5 | 2 | 2.812 | $6.67 |
| 2.625 | 2 | 2.939 | $6.73 |
| 2.75 | 2 | 3.065 | $6.79 |
| 2.875 | 2 | 3.192 | $6.85 |
Monthly payment does not include amounts for taxes and insurance premiums. The actual payment obligation will be greater.