Ricardo Flores

Ricardo Flores

Mortgage Loan Officer NMLS: 642695

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¡Claro que se puede!  Are you looking for a professional you can count on? 

Ricardo Flores brings a comprehensive mortgage lending perspective from his diversified background as a financial advisor, solar consultant, Real Estate partner and financial services regional leader. He will customize a mortgage lending solution based on your needs and what’s most important to you. 

UC Riverside Alumnus with a bachelor’s degree in business administration and over 25 years serving his community in financial services, working with Ricardo and his team you will experience a professional, client-centric process that is efficient, thorough and you will be more than pleased you worked with him.

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

Ricardo Flores went above and beyond to help me and my mom with our loan. He answered every single question we had with respect and professionalism. He is super responsive and diligent. I have never felt this happy with a loan company, or any other finance company, they earned my trust and respect. Ricardo really has a commitment to serve and add value, it shows in his work. Escrow went super smooth. I will definitely come back

Kaled Serdio Borrower via Google

Ricardo and his team were extremely helpful and easy to work with. Ricardo answered all my questions and returned emails and calls promptly. They got my loan closed quickly. Highly recommend.

Donna K. Borrower via Google

Refinancing my home was not an easy task due to a legal issue but Ricardo Flores really went above and beyond to help me out. He made the process look easy and got us the best rate possible. He was assertive, efficient and a pleasure to work with. His professionalism is outstanding! I couldn’t be happier with the results!

Viridiana Alba Borrower via Google

Company Rating

Rating 4.96

Based on 388 reviews

Rating 5

Based on 704 reviews

Rating 4.5

Based on 34 reviews

Loan Options

Get the best rates across our wide variety of loans


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.

How it works

We make the digital mortgage process fast and easy.

Monthly Payment Calculator

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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
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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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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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