Johnny Lee

Johnny Lee

AVP, Branch Manager NMLS: 1383918

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Johnny began his extensive career in mortgage lending and financial services for over 12 years. He started off as a Loan Officer and quickly became one of the top 3 Loan Officers at a couple of the largest mortgage lenders in the United States. He has been promoted several times and is now a Vice President of Sales. Johnny credits his success to always putting the customer first, being honest and caring in every situation, and knowledge of the mortgage industry. The flexibility, pricing, and how quickly he is able to close loans now is why he is thriving at the highest level of his career.

With over 12 years of mortgage lending experience, Johnny has the knowledge and expertise to help each borrower structure the optimal mortgage to achieve their financial goals. Johnny prides himself on taking the time needed to understand his customer’s immediate and long-term goals, finding the best financial solution to achieve their objectives. Having helped countless clients, he understands how confusing the home finance process can be and he works hard to walk each client through the process in an organized and efficient manner. Because of his extensive knowledge of available programs, problem solving skills, and steadfast commitment to customer service, Johnny will ensure you receive superior guidance as you pursue one of the most personal investments of your lifetime.

Johnny resides in Orange County, California with his soon to be wife and their Goldendoodle Luna. In his free time, he enjoys spending time with his family, watching football, and basketball.

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

I was very apprehensive in filling out one of those generic loan forms online because I didn't have any idea what to expect, and was inundated with emails right after I did. But Johnny's email stood out from the crowd, and was the only one who would give me information via email without having to fill out an application. That's why I initially decided to go with him and I am glad I did! Easiest loan process EVER and Johnny was totally awesome to work with! Very knowledgeable, friendly, was Always there to answer any questions that came up, and kept me updated throughout the whole process. And I can't believe how quickly the loan closed! I highly recommend him and will certainly use him in the future should the need arise. Appreciate you are a real blessing! =)

Betty Croney Borrower via Zillow

Working with Johnny was like working with a friend. He did not pressure me to make a decision right away he kept me informed and answered all my questions with no hesitation. I actually learned a great deal about mortgages from him. Johnny got sick during my refinance time and didn't skip a beat he stayed in contact with me and informed me which team members would assist me while he recuperated. I will recommend Johnny to anyone I come across looking to buy a home or refinance. He also gave me the best rate.

Marlisa Williams Borrower via Zillow

From start to finish, Johnny lee and his team made the home refinancing a process easy, seamless, and stress-free. One of the things I appreciated most about Johnny Lee was the user-friendly interface. The website is incredibly intuitive and easy to navigate, which made it easy for me to search for homes and filter my results to find exactly what I was looking for. I was able to save my favorite listings and receive updates whenever a new home that met my criteria came on the market. The team was also incredibly helpful throughout the entire process. Their customer service was top-notch, and they were always available to answer any questions I had, whether it was about a particular property or the home-buying process in general. They were patient, knowledgeable, and genuinely invested in helping me find the perfect home for me and my family. Overall, I would highly recommend Johnny to anyone looking to buy or sell a home even refinancing. Their platform is easy to use, their team is helpful and supportive, and they truly care about their customers. I couldn't be happier with my experience and I'm so grateful to have with their help."

Elena Espino Borrower via Zillow

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Loan Options

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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.

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.

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

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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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