Natalie Steen

Natalie Steen

Mortgage Loan Officer NMLS: 673636

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I’ve been helping clients navigate the mortgage process since 1996. As a licensed DRE Broker and NMLS Loan Officer, I offer a wide range of financing options — including Conventional, VA, FHA, USDA, and private money loans.

I specialize in purchase loans and am currently licensed in California, Washington, Texas, Tennessee, Colorado, Florida, and Arizona. Whether you're buying your first home or your next investment, I’m here to guide you through every step with clarity and confidence.

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Reviews

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

Natalie has worked on my own personal home loan, my mothers home loan as well as my family members' and close friends' loans. If you want first class service, if you want to deal with someone who is ethical and believes and practices with 100% transparency then do not hesitate to call Natalie for your next refinance and/or your next home purchase loan. She will take care of you 100% before, during and after the deal is done. Thank you Natalie!

Ralph Wright Borrower via Yelp

! Natalie made our first home purchase/loan easy. She was quick to answer emails and text. Although I never met her in person I always had a great friendly professional vibe from her. Im not a genius with numbers, but she had no problem to send pictures, graphs, charts, anything to help me comprehend as a first time home buyer lol. I loved that I could ask her any question about the loan process and she was happy to explain in detail what to expect. I will definitely keep in touch with Natalie and I will certainly do business with her and her staff. Thank you Natalie, thank you for making it easy!

Chris C. Borrower via Yelp

Natalie is amazing, very knowledgeable!. Thank you for walking me through my initial loan a year ago and my recent refinancing that was funded today! She is a person you can trust and will give all the options that will benefit you, who does that? She does! Thanks again for all your help, I am forever grateful and a loyal customer.

Ricky G. Borrower via Zillow

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.

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.

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.

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.

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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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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