Paul Lemerise

Paul Lemerise

Branch Manager NMLS: 133581

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With over two decades of dedicated experience in the mortgage industry, I currently hold the role of Associate Vice President of Sales at Clear Mortgage Capital, a highly respected mortgage broker and lender in the United States. I'm proud to hold DRE, BRE, and DBO certifications from NMLS, underscoring my expertise, ethical standards, and unwavering commitment to excellence in this field. Furthermore, I'm honored to be the top client of the nation's largest wholesale lender, granting me exclusive access to the most competitive rates and premium products available in the market.

 

Throughout my career, I've successfully closed over 4,600 residential loans, accumulating a remarkable loan volume exceeding $1.610 billion in mortgages. My expertise covers a diverse array of mortgage products, including Conventional, VA, FHA, Jumbo, Non-QM, and Reverse Mortgages. Every loan I handle is meticulously tailored to meet the unique needs and goals of my clients, and I leverage my project management skills acquired from the IT sector to ensure each transaction is completed promptly and up to the highest quality standards.

My unwavering mission is to deliver unmatched customer service and satisfaction, all while offering the most competitive rates and premier loan products available in the market. My commitment to excellence is evident in my availability, as I'm at your service seven days a week, eager to assist you or anyone in your network with their mortgage needs.

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Reviews

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

“Nathan locked us into an amazing rate and closed our loan in less than two weeks! He did everything he promised and made the entire process simple and smooth.”

Alex Borrower via Zillow

“This is not our first refi, but it was by far the most pleasurable and easiest because of Nathan. He is a professional and understands the ins and outs of this industry.”

Chelsea Borrower via Zillow

“I just did a refinance with Nathan. He and his staff got me a great rate and made the process extremely easy. He was accessible and promptly responded to all my questions. I would definitely recommend him. In fact, I recommended him to two other friends who were interested in refinancing as well.”

Mark Borrower via Google

Company Rating

Zillow
Rating 4.96

Based on 412 reviews

Google
Rating 5

Based on 821 reviews

Yelp
Rating 4.5

Based on 34 reviews

Loan Options

Get the best rates across our wide variety of loans

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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.

DSCR loans are ideal for real estate investors, using the property's income potential rather than personal income for qualification. This option allows for easier approval on investment properties, with loan amounts based on the property's ability to generate rental income. DSCR loans offer flexibility for investors looking to expand their portfolio without the traditional income verification process.

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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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.

UWM, Loan Depot, and more. UWM, Loan Depot, and more. partners
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FAQS

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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