Conventional Fixed
Cierre rápido con estabilidadPlazos estándar de 10 a 30 años.
Verificar elegibilidadProgramas de préstamo
Nuestro arsenal de préstamos.
124 programas hipotecarios especializados, desde el convencional fijo a 30 años hasta el financiamiento DSCR para inversionistas.
Encuentre su opción
Su préstamo ideal, identificado al instante.
Conectamos a cada prestatario con la ruta de aprobación más rápida y sencilla según su perfil, no con conjeturas.
FHA Solutions
Enganche flexibleDesde solo 3.5% de enganche, crédito más flexible.
Ver si calificaVA Home Loans
Cero enganche para veteranos$0 de enganche exclusivo + sin PMI mensual.
Ver mis beneficiosUSDA Rural
Sin enganche requeridoFinanciamiento completo para zonas rurales y granjas.
Evaluar mi escenario¿No sabe qué programa le conviene? Nosotros le ayudamos.
Nuestros especialistas arman una solución a la medida de su perfil.
Catálogo de programas
Explore todos los programas.
Foundation
30-Year Fixed Conventional
The primary choice for long-term homeowners seeking absolute payment stability.
- Long-term stability
- Predictable payments
- Standard conforming limits
15-Year Fixed Conventional
Designed for borrowers who want to build equity twice as fast as a standard mortgage.
- Lower interest rates
- Rapid equity growth
- Massive interest savings
Jumbo 30-Year Fixed
Financing for luxury properties that exceed standard conforming loan limits.
- High loan amounts
- Competitive luxury rates
- Flexible asset inclusion
FHA 30-Year Fixed
The most flexible entry point for first-time buyers and those with modest credit.
- 3.5% down payment
- Flexible credit scores
- Assumable financing
VA 30-Year Fixed
An exclusive, 0% down payment benefit for Veterans and Active Duty members.
- $0 down payment
- No monthly PMI
- Competitive interest rates
DSCR (Debt Service Coverage Ratio)
The ultimate tool for scaling a rental portfolio using property cash flow.
- No personal DTI used
- Unlimited properties
- Airbnb/STR friendly
Asset Depletion Loan
Qualify based on your high net worth and liquid assets instead of traditional income.
- Leverage liquid wealth
- No employment required
- Complex income solution
12-Month Bank Statement Loan
Qualify based on your real cash flow instead of traditional tax returns.
- No tax returns required
- Entrepreneur focused
- Up to 90% LTV
Smart HELOC (Home Equity Line of Credit)
Unlock up to 90% of your home's equity with a flexible line of credit.
- Interest-only options
- Fast 5-day funding
- No closing costs available
Fixed 2nd Mortgage
Access your equity with a predictable fixed rate without touching your low 1st mortgage rate.
- Lump sum funding
- Predictable monthly payments
- No teaser rates
Bank Statement 2nd Mortgage
Specialized equity access for self-employed borrowers using bank statements instead of tax returns.
- No tax returns needed
- Up to 85% CLTV
- Self-employed optimized
Foreign National Program
Financing for non-resident aliens looking to invest in US real estate.
- No US credit required
- Simple documentation
- Global wealth recognized
California Elite 30-Year Fixed Conventional
Specialized Foundation solution optimized for California market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Texas Fast-Track 30-Year Fixed Conventional
Specialized Foundation solution optimized for Texas market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Florida High-Balance 30-Year Fixed Conventional
Specialized Foundation solution optimized for Florida market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Arizona Reduced Documentation 30-Year Fixed Conventional
Specialized Foundation solution optimized for Arizona market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Nevada Asset-Based 30-Year Fixed Conventional
Specialized Foundation solution optimized for Nevada market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Colorado Community Hero 30-Year Fixed Conventional
Specialized Foundation solution optimized for Colorado market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Washington Direct Pricing 30-Year Fixed Conventional
Specialized Foundation solution optimized for Washington market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Georgia Secondary Market 30-Year Fixed Conventional
Specialized Foundation solution optimized for Georgia market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
New York Elite 30-Year Fixed Conventional
Specialized Foundation solution optimized for New York market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Virginia Fast-Track 30-Year Fixed Conventional
Specialized Foundation solution optimized for Virginia market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
California Fast-Track 15-Year Fixed Conventional
Specialized Foundation solution optimized for California market conditions.
- Lower interest rates
- Rapid equity growth
- Massive interest savings
Texas High-Balance 15-Year Fixed Conventional
Specialized Foundation solution optimized for Texas market conditions.
- Lower interest rates
- Rapid equity growth
- Massive interest savings
Contáctenos
Ahorremos tiempo y dinero en su próxima hipoteca.
Hable hoy con un experto en préstamos: solicitar no tiene costo ni compromiso.
Llámenos(866) 239-8068
Visítenos19800 MacArthur Blvd, Suite 880, Irvine, CA 92612
Preguntas frecuentes
¿Preguntas? Tenemos respuestas.
¿Tiene más dudas? Llámenos o envíenos un mensaje.
¿Por qué elegir Clear Mortgage Capital para mi préstamo hipotecario?
Nuestro equipo de oficiales de préstamo es muy respetado en la industria hipotecaria. A lo largo de los años hemos ayudado a innumerables personas y familias con sus nuevas hipotecas y refinanciamientos. Nuestra solicitud en línea es rápida y sencilla y, junto con nuestras relaciones con los prestamistas, nos permite ofrecerle tasas competitivas.
¿Necesito un puntaje de crédito mínimo para un préstamo?
Actualmente pedimos un puntaje de crédito de al menos 500 para compra y refinanciamiento, y de 550 para un refinanciamiento con retiro de efectivo.
¿Hay algún costo por solicitar un préstamo hipotecario?
No, solicitar un préstamo con Clear Mortgage Capital no tiene ningún costo.
¿Cómo pueden ofrecer tasas hipotecarias tan bajas?
Los bancos tradicionales procesan las solicitudes con métodos tradicionales. Nuestras hipotecas digitales son mucho más simples, y eso se traduce directamente en ahorros para usted.
¿Igualan la tasa de la competencia?
Por supuesto. Si encuentra una tasa más baja que la que le ofrecimos, avísenos y con gusto la igualaremos. (Aplican ciertas restricciones)