Guram Ilishayev

Guram Ilishayev

Mortgage Loan Officer NMLS: 880965

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Throughout his 15-year career, Guram has maintained top-level standards by becoming very accustomed to the fast-paced environment entailed in a mortgage process. He is extremely versed in both refinance and purchase transactions and all loan options including but not limited to VA, FHA, and Conventional products. His expertise and no-nonsense approach help him in earning the trust of his customers while also educating and providing five-star rated customer service along the way. 

Call him today (949) 617-1568 at to get started

  • Building positive relationships with clients
  • Collect personal and financial information to custom-tailor the borrower’s needs
  • Evaluate creditworthiness and eligibility for obtaining a mortgage loan
  • Prepare and submit mortgage loan applications
  • Monitor and report on application processes
  • Inform clients about the loan approval process and expectancies
  • Quickly resolving problems throughout application processes
  • Ensure compliance with privacy laws and confidentiality policies
  • Build a supportive referral network (clients, lenders, real estate agents)

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

"Guram is my go-to guy. He has completed several mortgages for me. He is hard working and he gets the job done. I will use him again and recommend him to anyone looking for a loan."

Ralph H. Borrower via Google

Company Rating

Rating 4.96

Based on 388 reviews

Rating 5

Based on 704 reviews

Rating 4.5

Based on 34 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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What does a monthly mortgage payment look like for you?
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$ /month
Monthly Payment $1,264
Loan Amount $200,000

How is my monthly payment calculated?

Principal & Interest $1,264.14
Property Insurance $0.00
Property Tax $0.00
HOA Fees $0.00
Estimated Monthly Payment $1,264 GET PRE-APPROVED
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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.

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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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