Conventional Fixed
Close quickly with stabilityStandard 10 – 30 year terms.
Check eligibilityLoan programs
The lending arsenal.
124 specialized mortgage programs, from 30-year conventional fixed to high-leverage DSCR investor financing.
Find your fit
Your best-fit loan, identified instantly.
We map borrowers to the fastest, cleanest approval path based on their profile, not guesswork.
FHA Solutions
Flexible down paymentAs little as 3.5% down, easier credit.
See if you qualifyVA Home Loans
Zero down for veteransExclusive $0 down + no monthly PMI.
See my benefitsUSDA Rural
No down payment requiredFull financing for rural and hobby farms.
Run my scenarioNot sure which program fits? We'll map it for you.
Our specialists build a solution around your specific profile.
Program registry
Browse every program.
Foundation
30-Year Fixed Conventional
The primary choice for long-term homeowners seeking absolute payment stability.
- Long-term stability
- Predictable payments
- Standard conforming limits
15-Year Fixed Conventional
Designed for borrowers who want to build equity twice as fast as a standard mortgage.
- Lower interest rates
- Rapid equity growth
- Massive interest savings
Jumbo 30-Year Fixed
Financing for luxury properties that exceed standard conforming loan limits.
- High loan amounts
- Competitive luxury rates
- Flexible asset inclusion
FHA 30-Year Fixed
The most flexible entry point for first-time buyers and those with modest credit.
- 3.5% down payment
- Flexible credit scores
- Assumable financing
VA 30-Year Fixed
An exclusive, 0% down payment benefit for Veterans and Active Duty members.
- $0 down payment
- No monthly PMI
- Competitive interest rates
DSCR (Debt Service Coverage Ratio)
The ultimate tool for scaling a rental portfolio using property cash flow.
- No personal DTI used
- Unlimited properties
- Airbnb/STR friendly
Asset Depletion Loan
Qualify based on your high net worth and liquid assets instead of traditional income.
- Leverage liquid wealth
- No employment required
- Complex income solution
12-Month Bank Statement Loan
Qualify based on your real cash flow instead of traditional tax returns.
- No tax returns required
- Entrepreneur focused
- Up to 90% LTV
Smart HELOC (Home Equity Line of Credit)
Unlock up to 90% of your home's equity with a flexible line of credit.
- Interest-only options
- Fast 5-day funding
- No closing costs available
Fixed 2nd Mortgage
Access your equity with a predictable fixed rate without touching your low 1st mortgage rate.
- Lump sum funding
- Predictable monthly payments
- No teaser rates
Bank Statement 2nd Mortgage
Specialized equity access for self-employed borrowers using bank statements instead of tax returns.
- No tax returns needed
- Up to 85% CLTV
- Self-employed optimized
Foreign National Program
Financing for non-resident aliens looking to invest in US real estate.
- No US credit required
- Simple documentation
- Global wealth recognized
California Elite 30-Year Fixed Conventional
Specialized Foundation solution optimized for California market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Texas Fast-Track 30-Year Fixed Conventional
Specialized Foundation solution optimized for Texas market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Florida High-Balance 30-Year Fixed Conventional
Specialized Foundation solution optimized for Florida market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Arizona Reduced Documentation 30-Year Fixed Conventional
Specialized Foundation solution optimized for Arizona market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Nevada Asset-Based 30-Year Fixed Conventional
Specialized Foundation solution optimized for Nevada market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Colorado Community Hero 30-Year Fixed Conventional
Specialized Foundation solution optimized for Colorado market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Washington Direct Pricing 30-Year Fixed Conventional
Specialized Foundation solution optimized for Washington market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Georgia Secondary Market 30-Year Fixed Conventional
Specialized Foundation solution optimized for Georgia market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
New York Elite 30-Year Fixed Conventional
Specialized Foundation solution optimized for New York market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
Virginia Fast-Track 30-Year Fixed Conventional
Specialized Foundation solution optimized for Virginia market conditions.
- Long-term stability
- Predictable payments
- Standard conforming limits
California Fast-Track 15-Year Fixed Conventional
Specialized Foundation solution optimized for California market conditions.
- Lower interest rates
- Rapid equity growth
- Massive interest savings
Texas High-Balance 15-Year Fixed Conventional
Specialized Foundation solution optimized for Texas market conditions.
- Lower interest rates
- Rapid equity growth
- Massive interest savings
Get in touch
Let's save you time and money on your next mortgage.
Talk to a loan expert today — no fee to apply and no obligation.
Call us(866) 239-8068
Visit us19800 MacArthur Blvd, Suite 880, Irvine, CA 92612
Why should I use Clear Mortgage Capital for my home loan?
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.
Do you require a minimum credit score for a loan?
We currently require a credit score of at least 500 for purchase and refinance, and 550 for a cash out refinance.
Is there a fee to apply for a home loan?
No, there's no fee to apply for a loan with Clear Mortgage Capital.
How are you able to offer such low mortgage rates?
Traditional banking institutions use traditional methods to process loan applications. Our digital mortgages are much simpler, which translates directly to cost savings for you.
Do you offer a rate match policy?
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)