Garrett McCargar

Garrett McCargar

Mortgage Loan Officer NMLS: 871556

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With over 15 years of mortgage experience, Garrett McCargar is very knowledgeable in assisting individuals with home purchase and refinancing needs. He is well versed in FHA, VA, and Conventional mortgage underwriting guidelines which enable him to complete his loans in a timely manner as well as answer any questions that may come up through the process.

Throughout his career, he has consistently maintained top-level performance standards by custom tailoring a variety of loan options to his customer's needs while always being readily available to speak to answer any questions.

Feel free to call and get your application started with him today!

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We are proud to have helped thousands of happy customers over the years.

Garrett was great to work with and was able to lower my interest percentage and my payment amount despite having debt already. He was very efficient and quick to respond. I will definitely refer him to people in the future.

Rachel Borrower via Google

Garrett McCargar And his team were great! They made the process very quick and simple. They were also very knowledgeable and trustworthy. Couldn’t of asked for a better team to assist me with my refinance.


Esther Borrower via Google

When it comes to refinance brokers, there are hundreds of agents out there, and then there is Garrett McCargar. From the first time he contacted me by email, Garrett’s certainty that he could get me the best possible rate and cost for a refinance of my mortgage never wavered and he matched that certainty by patiently walking me through whatever steps were necessary along the way. Every financing broker comes loaded with promises, but Garrett comes loaded with promises he keeps. If that were not enough, he did it with a smile (even detected over the phone!) and the patience of Job. For someone who sees financing as a black hole, I could not have imagined being in better hands.

Hal Borrower via Google

Company Rating

Rating 4.95

Based on 375 reviews

Rating 5

Based on 655 reviews

Rating 4.5

Based on 32 reviews

Loan Options

Get the best rates across our wide variety of loans


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.

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.

Interest rates on an adjustable-rate mortgage (ARM) vary with the market after an initial fixed period. Also known as a variable-rate or floating mortgage, an ARM could be a consideration if you have the flexibility to pay it off if the rate rises quickly or over an extended period of time.

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.

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 or not this is for you and we can talk through your options together.

How it works

We make the digital mortgage process fast and easy.

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Our lenders

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.

UWM, Loan Depot, and more. UWM, Loan Depot, and more. partners
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We will help guide you through the process and get you to your goal sooner.

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We will help guide you through the process and get you to your goal sooner.

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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 the best rate available.

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.

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