Rubin Quintero

Rubin Quintero

Mortgage Loan Officer NMLS: 860209

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I have been in the mortgage and financial services industry since 2011. I truly enjoy working with my clients to help them achieve their financial goals whether it be refinancing or purchasing a new home. I have an extensive background with the origination, processing, and underwriting of both Purchase and Refinance transactions. Obtaining a mortgage can be stressful but it doesn't have to be and that is where I come in. I strive to make the process as painless and easy as possible for my clients and have found that communication is key to this. I look forward to working with you. 

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Reviews

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

Rubin made the entire process easy and seamless from start to finish. He is nonweldable, patient and personable. I will use him for all of my loan needs in the future.

Kathy Black Borrower via Google Reviews

Easy to work with, Rubin and his team have handled our last two refi’s and a HELOC and have delivered quickly while also presenting all of our options clearly. The next time we have to do anything like this, Rubin and his team will be the first we call.

Ben Lawless Borrower via Google Reviews

Rubin was great and patiently explained everything, often pro-actively! I'd recommend him. Thank you!

Osha Shukla Borrower via Google Reviews

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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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 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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