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Jacqueline Barraza

Jacqueline Barraza

Mortgage Loan Officer NMLS: 1885597

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Reviews

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

Jacqueline was amazing!! I couldn't have asked for a better rep! As a first-time homebuyer, Jacqueline was patient in explaining every detail along the way. She took time to answer all of our questions and even be present in person whenever she could. I can't thank you enough, Jacqueline!!

Isabel Cortes Borrower via Google

Jacqueline is a gem. The right kind of human for one of the most enduring of processes in life. She embodies ownership and creativity, and advocates, defends and pushes where needed when logic, reason are missing from underwriting teams. She and I talked basically daily during my family's purchase, and she made us feel like we were her only deal to manage, though I know she was juggling more + life. When you're arranging financing and imagining a life transition - you don't want the best salesman or best rate or busiest broker; but instead, a great human like Jacqueline who owns your file like it's her mortgage to commit to and makes you feel like you are her most important client. 10 stars and will continue to refer folks her way.

Adam Luther Borrower via Google

Jacqueline was wonderful to work with! Always reachable, quick to answer any questions and was ahead of schedule our entire transaction. Can’t wait to work with her again!

Clarissa Shanner Borrower via Google

Company Rating

Zillow
Rating 4.96

Based on 412 reviews

Google
Rating 5

Based on 963 reviews

Yelp
Rating 4.5

Based on 34 reviews

Loan Options

Get competitive 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.

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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.

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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.

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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.

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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.

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For self-employed individuals or those with non-traditional income sources, bank statement loans offer flexibility. These loans use your bank statements to verify income instead of tax returns, making homeownership more accessible for entrepreneurs and gig workers.

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A Home Equity Line of Credit (HELOC) allows you to borrow against your home's equity as needed. With flexible draw periods and repayment terms, it's an excellent option for funding home improvements, consolidating debt, or covering large expenses.

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

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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 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.

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