With over two decades of combined experience in sales, business development, and relationship management, I serve my clients as a dedicated Sr. Mortgage Loan Officer. The best compliment I can receive is the opportunity to be of service, and my approach to every home financing journey is rooted in integrity, passion, and a commitment to going above and beyond. I specialize in strategic, finance solutions whether FHA, VA, DPA/DAPs, Conforming, Non-Conforming/Jumbo, W2 or Self-Employed.
A proud alumnus of San Diego State University, I hold a B.A. in International Business with triple emphases in Marketing, Spanish, and Latin America. This unique background, combined with being fully bilingual (English/Spanish), bicultural, and binational, allows me to serve a diverse clientele with a keen understanding of various needs and perspectives. I leverage my extensive experience in B2B and B2C relations, marketing, and consulting to provide comprehensive guidance tailored to your unique situation. Buying a home can be complex, which is why I pride myself on being a resourceful problem-solver. My excellent analytical, problem-solving, and time-management skills are vital in navigating the fast-paced lending environment. I work tirelessly to streamline business solutions, ensure information accuracy, and provide exceptional customer service to make the process as seamless as possible. My focus is always on exceeding your expectations and increasing the likelihood of a smooth and successful closing. Voted MVP multiple times throughout my career for personal production, exceeding customer expectations and an unquestionable work ethic, I thrive on challenging my goals daily.
I am an extroverted, high-energy professional with a meticulous eye for detail and execution, both crucial in securing your dream home financing. My ultimate call to action is to serve you. I am ready to be your resource and partner on your path to homeownership. Connect with me today to discuss your mortgage needs.
We are proud to have helped thousands of happy customers over the years.
When it comes to giving stellar service, Ana is amazing. She made me a believer let me explain. I never knew home ownership was possible; you see I have always struggled with my credit from divorce to job loss to literally starting over and I have had my share of loan consultants who promise me the moon and back over many years so when I happened upon Ana well I was very doubtful and not a believer that buying a property was in future for me at all, however Ana changed my whole outlook and restored hope and that feeling that home ownership was not just possible, but attainable. She started by reviewing my credit and recommended things that could help improve the score. I truly appreciate Ana for her patience and know it all. In addition, Ana was recommended highly by a good friend and from the time we spoke up until my closing Ana was there for me every step of the way, her friendly demeanor is very contagious. When it comes to making a life changing decision like owning your own home, you want someone who is positive, professional and someone who has a can-do attitude and will get business done. Ana is that person! :) Ana Padilla made me a believer and a proud homeowner. I count myself lucky to have met such a dedicated amazing and beautiful person. Thank you, Ana, Bernie B, Santee, CA.
We had a great experience working with Ana. She was responsive to all of our questions and needs. She is knowledgeable and a true professional in her field. We will definitely look to her in the future. Thank you, Ana, and thank you to your wonderful team of experts who made it all possible!!
Ana is incredibly amazing. She is very responsive, and we can count on her each and every time!!!
Company Rating
We make the digital mortgage process fast and easy.
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Apply Online1
- Start your application by taking five minutes to answer a few questions about you and your loan. Once we receive your application, we’ll contact you for the next step to keep the ball rolling. To start the process, Apply Now.
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Connect & verify documents2
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Contact & lock your rate3
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Loan is underwritten & funded!4
Find your monthly payment
What does a monthly mortgage payment look like for you?
Get an estimate with some basic information.
How is my monthly payment calculated?
Apply Appointment
We’re backed by some of the top lenders in the market, allowing us to search dozens of options to find you the most competitive rate.
We will help guide you through the process and get you to your goal sooner.
We will help guide you through the process and get you to your goal sooner.
Frequently Asked Questions
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.
We currently require a credit score of at least 500 for purchase and refinance, and 550 for a cash out refinance.
No, there’s no fee to apply for a loan with Clear Mortgage Capital.
Traditional banking institutions use traditional methods to process loan applications. Our digital mortgages are much simpler, which translates directly to cost savings for you.
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)
If you have any other questions, just call us or send a message.
