Virginia Delgado

Virginia Delgado

Mortgage Loan Officer NMLS: 2414158

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My name is Virginia Delgado, and I am a Mortgage Loan Officer with Clear Mortgage Capital, a Mortgage Brokerage with access to many loan products. I am currently licensed as Mortgage Loan Officer in CA, AZ, NV & TX.

I spent over 25 years in the Escrow & Title side of Real Estate transactions. As a former Escrow Operations Manager & Central Processing manager for a couple of Home Builders, I built and applied solutions to better serve our customers, teams, and organizations in the following states: Arizona, California, Washington, Colorado, Texas, Florida, Maryland, Virginia, Nevada, North Carolina & South Carolina. My extensive background in escrow and title made me resourceful and I'm able to evaluate the circumstances of transactions quickly and apply resolutions in a thoughtful, well-organized manner. 

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Reviews

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

Virginia was incredibly knowledgeable and patient, answering all my questions and guiding me through the entire loan process. She kept me informed at every step and was always available for any concerns I had. I highly recommend Virginia to anyone looking for a reliable and professional loan officer!

Saul Hernandez Borrower via Google

I had the best experience working with Virginia. Working with her was an excellent experience from start to finish. She was incredibly knowledgeable about the loan process, which made everything smooth and straightforward. Virginia was also very responsive, promptly addressing any questions or concerns my husband and I had along the way. Her expertise and efficient communication made a potentially daunting process surprisingly easy-going. Being a bilingual agent gives her a plus. I would highly recommend Virginia Delgado to anyone seeking a knowledgeable and responsive professional for their loan or refinancing needs.

Rocio Chio Cruz Borrower via Google

Virginia was very helpful answering my questions in a simplified manner, until I understood the entire refi process, never making me feel awkward for needing to explain it several times. She was always there to answer doubts and keep me on track with everything. Thank you for all that you do.

Elsa Reynoso Borrower via Google

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 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.

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.

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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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