Joshua Havner

Joshua Havner

Mortgage Loan Officer NMLS: 49915

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Experienced Mortgage Loan Officer with over 20 years in the industry, licensed in 35 states. Proven track record of successfully assisting clients in diverse financial situations. Specialized in offering a wide range of mortgage products to meet individual needs, from conventional loans to government-backed programs.  Also providing Non-Traditional Products like Bank Statement, DSCR, ITIN, ect.  Committed to providing personalized guidance throughout the entire loan process, ensuring clients make informed decisions. Adept at navigating complex financial landscapes and offering tailored solutions. Passionate about helping individuals achieve their homeownership goals. With a reputation for integrity and excellence, I bring extensive expertise to every client interaction, making the mortgage journey seamless and rewarding.  My approach is centered on providing individually customized advice throughout the entire loan process, ensuring that clients are well-informed at every step. I am skilled in handling intricate financial scenarios as I specialize in devising customized solutions that align with clients' aspirations of current goals and future goals. My passion for assisting people in realizing their dream of owning a home is unmatched, I encourage my clients to bring me any other options they may have been given.  I don’t shy way from competition, I want to make you a client for life, not just one transaction.

The world of real estate lending is complex, especially when faced with challenging situations such as divorce, estate settlements, or probate buyouts; these scenarios require a knowledgeable and steady hand, which is where my expertise comes into play. I excel in guiding attorneys, CPAs, and real estate professionals through the financial intricacies of various transactions, ensuring equity and fairness for all parties involved. My services also extend to assisting borrowers in refinancing or securing their home purchase. My role is to demystify and streamline all mortgage-related processes.  My leadership style is rooted in calm and kindness, ensuring clear explanations and encouraging constructive feedback to enhance results. I believe in transparent communication to help all parties navigate towards optimal solutions, even in the face of challenges. Maintaining respectful interactions, especially in emotionally charged situations, is paramount.

A personal note from Joshua: My family has been involved in the real estate and mortgage industry for over 55 years, witnessing many changes, their knowledge was my inheritance and by continuing the tradition this is my legacy.

A professional recommendation for Joshua:  For over two decades, Joshua Havner has prioritized understanding his clients' life goals over the quick completion of a single transaction for mere commission. His approach involves taking the time to offer clients a comprehensive and clear perspective on the wide variety of mortgage options available in today's market, many of which are not readily accessible through other companies. Joshua's deep insight into purchase transactions and his extensive network of over 52 realtors make choosing his services an easy decision. Clients seeking to buy or sell property without the hassle and stress know that Joshua is the go-to expert—attentive, knowledgeable, and straightforward.  Joshua is committed to guiding clients towards financial freedom and satisfaction by leveraging their most significant asset: their home. Whether it's refinancing to optimize monthly cash flow or securing a loan for a dream home or investment property that generates passive income, Joshua offers limitless options. He presents these opportunities clearly and is always ready to address any questions, ensuring a smooth and transparent process.

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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

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Based on 388 reviews

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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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Monthly Payment $1,264
Loan Amount $200,000

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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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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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