Frank Kim

Frank Kim

Branch Manager NMLS: 2571827

Apply Now

Want to contact or send documents to Frank?

Frank brings over two decades of experience in mortgage lending and financial services, earning a reputation as a top performer and trusted advisor. He began his career as a Loan Officer in 2005 and quickly rose through the ranks, becoming a top producer at one of the largest mortgage lenders in the United States. His consistent success led to multiple promotions, and he now serves as an Executive Licensed Mortgage Adviser with Clear Mortgage Capital, Inc.

Frank credits his achievements to always putting the customer first, providing honest and compassionate service, and maintaining deep industry expertise. He thrives in his current role thanks to the flexibility, competitive pricing, and fast loan closings he’s able to offer—allowing him to serve clients at the highest level of his career.

With years of hands-on experience, Frank has developed the ability to structure optimal mortgage solutions tailored to each borrower’s unique financial goals. He takes the time to understand both the immediate needs and long-term objectives of his clients, delivering personalized, strategic guidance. Having helped countless individuals and families navigate the home financing process, Frank understands how overwhelming it can be—and is committed to making the experience clear, organized, and stress-free.

Thanks to his comprehensive knowledge of loan programs, strong problem-solving skills, and unwavering dedication to customer service, Frank ensures every client receives expert support during one of life’s most important financial decisions.

Frank lives in Orange County, California with his wife and their two children. Outside of work, he enjoys spending time with his family, watching his kids play sports, and following motorsports.

Learn More
Reviews

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

“Nathan locked us into an amazing rate and closed our loan in less than two weeks! He did everything he promised and made the entire process simple and smooth.”

Alex Borrower via Zillow

“This is not our first refi, but it was by far the most pleasurable and easiest because of Nathan. He is a professional and understands the ins and outs of this industry.”

Chelsea Borrower via Zillow

“I just did a refinance with Nathan. He and his staff got me a great rate and made the process extremely easy. He was accessible and promptly responded to all my questions. I would definitely recommend him. In fact, I recommended him to two other friends who were interested in refinancing as well.”

Mark Borrower via Google

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.

test

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.

Monthly Payment Calculator

Find your monthly payment

What does a monthly mortgage payment look like for you?
Get an estimate with some basic information.

$
$
%
%
$ /year
$ /year
$ /month
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
Have Questions? Contact Us!

Apply Appointment

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
Get In touch

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

Get In touch

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

Or you can contact using:

*Please fill up the reCAPTCHA.

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.

Skip to content Rate Quote Funnel