Claudia Villalobos

Mortgage Loan Officer NMLS: 2533193

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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

Rating 4.96

Based on 412 reviews

Rating 5

Based on 821 reviews

Rating 4.5

Based on 34 reviews

Loan Options

Get competitive rates across our wide variety of loans.

Conventional

FHA Loans

DSCR Loans

VA Loans

Jumbo

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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How it works

We make the digital mortgage process fast and easy.

1

Apply Online
- Start your application by taking five minutes to answer a few questions about you and your loan. Once we receive your application, we’ll contact you for the next step to keep the ball rolling. To start the process, Apply Now.
2

Connect & verify documents
- Once your loan application is accepted, you’ll submit the documents requested by our loan officer.
3

Contact & lock your rate
- Our agent will send you different loan options that best match your profile. Select one of the options and our agent will proceed with the paperwork to lock in your rate.
4

Loan is underwritten & funded!
- We complete the underwriting process as quickly as possible, making sure you understand how it all works as we go. Once everything’s ready, we promptly fund your loan.

Monthly Payment Calculator

Find your monthly payment

What does a monthly mortgage payment look like for you?
Get an estimate with some basic information.

Home Price

Down Payment

Zip Code

Interest Rate

Loan Term

Property Type

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

Have Questions? Contact Us!

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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.

Get In touch

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

Get In touch

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

Or you can contact using:

Call Now

Send Email

FAQS

Frequently Asked Questions

Why should I use Clear Mortgage Capital for my home loan?

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.

Do you require a minimum credit score for a loan?

We currently require a credit score of at least 500 for purchase and refinance, and 550 for a cash out refinance.

Is there a fee to apply for a home loan?

No, there’s no fee to apply for a loan with Clear Mortgage Capital.

How are you able to offer such low mortgage rates?

Traditional banking institutions use traditional methods to process loan applications. Our digital mortgages are much simpler, which translates directly to cost savings for you.

Do you offer a rate match policy?

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.

Claudia Villalobos

Want to contact or send documents to Claudia?

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

Company Rating

Get competitive rates across our wide variety of loans.

We make the digital mortgage process fast and easy.

Find your monthly payment

Apply Appointment

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.

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

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

Frequently Asked Questions