Michael Kim
Mortgage Loan Officer NMLS: 894223
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Michael is a highly accomplished mortgage executive dedicated to helping homebuyers and homeowners navigate home purchases, refinancing, and home equity solutions. He takes a personalized approach to educating clients, understanding their goals, and finding financing solutions that fit their needs.
For Michael, homeownership is more than a transaction—it’s an important milestone. He is committed to providing professional, transparent, and exceptional service throughout every step of the mortgage process.
We are proud to have helped thousands of happy customers over the years.
I cannot say enough great things about my experience working with Mike and the team at Clear Mortgage Capital. From start to finish, the process was completely seamless — I barely had to lift a finger. They handled everything efficiently and kept me informed every step of the way, which made what can often be a stressful process feel totally stress-free. Not only that, but they secured me a fantastic rate that was better than what you'd find at other shops. The most impressive part? We closed in just two weeks. I've heard horror stories from friends about drawn-out closings, so to have it wrapped up that quickly was beyond impressive. If you're looking for a mortgage broker who is professional, responsive, and actually delivers results, look no further. Highly recommend!
Nothing but professionalism and attention to detail when working with Clear Mortgage Capital, specifically Michael Kim. Any big purchase comes with complications and endless pages of financial confusions..Michael helped pave the way and made things digestible. He made himself available pretty much 24/7 and I felt like a priority. 10/10 going to be recommending any friend/family to him when it comes to any major loan/purchase as he is a financial guru.
Michael did a very good job at helping me and my husband refinance our home for the very first time. He always answered all our questions and explained the process so well to us it made us more comfortable to refinance. Very friendly, professional and works quickly! Highly recommend.
Company Rating
We make the digital mortgage process fast and easy.
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Apply Online1
- Start your application by taking five minutes to answer a few questions about you and your loan. Once we receive your application, we’ll contact you for the next step to keep the ball rolling. To start the process, Apply Now.
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Connect & verify documents2
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Contact & lock your rate3
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Loan is underwritten & funded!4
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Get an estimate with some basic information.
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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.
We will help guide you through the process and get you to your goal sooner.
We will help guide you through the process and get you to your goal sooner.
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.
