Ayata Colbert

Ayata Colbert

Mortgage Loan Officer NMLS: 308143

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With over a decade of experience in financial services and real estate financing, I understand the need to connect with people, which becomes particularly important when you are entrusting a professional with your financial information. To address the needs of all clients, I stay abreast of all programs available to assist with the home purchase process, by offering competitive loan products to meet the unique and complex needs of each individual borrower. This includes, “but not limited to” down-payment assistant programs, grants, and customized programs that fit your scenario.

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Reviews

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

Ayata is the Best. She made the process of refinancing seamless. I truly recommend her. Thank you, Ayata for your service, professionalism and awesomeness.

Jean Borrower via Zillow

Ayata, was great when I was purchasing my home. When we ran into problems, Ayata took care of it. It was so fast, I closed in 45 days. I would highly recommend working with Ayata. My interest rate is really low too!!!

Antoinette Borrower via Zillow

When my wife and I were looking to buy in Oakland, Ayata came highly recommended by our agent. Ayata was quick to pre-approve our loan and during our escrow, was attentive and responsive to our needs. We closed in less than 30 days! Ayata was great and I would recommend her for anyone seeking a mortgage in the Bay Area. Thanks Ayata!

Brian Hoadley Borrower via Yelp

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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What does a monthly mortgage payment look like for you?
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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
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.

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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