Denysse Montano

Denysse Montano

Mortgage Loan Officer NMLS: 2635052

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Hi, I'm Denysse Montano, a Mortgage Loan Originator dedicated to helping people navigate one of the biggest financial decisions of their lives with confidence and clarity.

As part of a mortgage brokerage, I have access to multiple lenders and loan programs, which means I can shop around on your behalf to help find financing solutions that fit your goals, not just whatever one bank happens to offer. Whether you're a first-time homebuyer, purchasing your next home, or refinancing, my focus is on finding the right loan for your unique situation.

I believe mortgages don't have to be confusing. My job is to simplify the process, answer your questions, keep you informed, and make sure you feel supported from application to closing. At the end of the day, I'm here to help you secure the financing you need while making the journey as smooth and stress-free as possible.

More options. Personalized guidance. A mortgage strategy built around you.

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Reviews

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

This women is amazing she walked this loan down with me. Denyees explained everything and went through every step with me. Countless hours day and night. Every time I called her she was there to guide me through the questions that were asked..I am so blessed that I met her. She made me feel so comfortable at this big step that I have took. This is the go to Lady...I appreciate her more then she will ever understand.If u need a loan office she is the one u want!! Promise she is dedicated !!! I give her a 10 star ⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐

Starr Alvarez Borrower via Google Business Page

Working with Denysse Montano was an outstanding experience from start to finish. As a first-time homebuyer, I had a lot of questions and concerns, but she guided me through every step of the mortgage process with patience, clarity, and professionalism.

Aubree Washington Borrower via Google Business Page

It was an absolute pleasure working with Denysse!

Josh Armstrong Borrower via Google Business Page

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

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

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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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