Raisa Fudim

Raisa Fudim

Mortgage Loan Officer NMLS: 1416438

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I know firsthand how overwhelming the homebuying process can be. My journey into the mortgage industry started after a frustrating experience with my first home purchase. Instead of letting that experience define me, I used it as motivation to learn everything I could about the mortgage process. What began as simply helping friends and family understand their options turned into a fulfilling career—one where I get to guide homebuyers and investors toward making confident, informed decisions.

I believe that everyone deserves a clear path to homeownership. My approach is simple: I never turn a client away. Instead, I walk them through what it takes to achieve their real estate goals—whether that’s buying their first home, investing in properties, or refinancing for a better financial future. Over the years, I’ve had the privilege of not only helping families purchase their first homes but also guiding many toward building long-term wealth through real estate investments. Seeing my clients secure their financial future through smart real estate decisions is what drives me every day.

Homeownership and real estate investing are two of the most powerful ways to create stability and generational wealth. Whether you're ready to buy your first home, expand your investment portfolio, or explore refinancing options, I’m here to help. Let’s connect and create a plan to turn your real estate dreams into reality.

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Reviews

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

Buying a house is always easy if you have a good team of professionals. Thanks to our Mortgage Advisor, Raisa Fudim, she shelped make our "American Dream" come true-get a low interst loan, quickly complete documents and buy a house. Thanks to our Realtor, Mark Peek with him we found our "Dream" and wond the offer. It was a pleasure to work with them. Choose professionals if you want to quickly and easily go this way. I recommend

Iuliana Golovachova Borrower via Google

This company is amazing! Our loan officer got us approved and we were able to purchase a home within less than a month! :) Couldn't be happier! Raisa Fudim was the best and such a great asset to this company

Albina Taran Borrower via Google

Raisa and her team is just amazing! My aunt recommended Raisa years ago and I've stuck with her ever since. She is just wonderful. Hands down!

Brandi L Borrower via Experience.com

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

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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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