Foreign National Program without:
Residency, Social Security or Income in the US
USDA Loans for moderate income Families
0% down payment - 100% financing
All Government Loan Programs
FHA, USDA and VA
Ask us about our program
To improve your credit scores...
Starting with only:
580 Credit Scores!!!
Don't worry and submit your information
We will help you.
Contact us to analyze your options.
Don't worry and submit your information
We will help you.
Upto 90% financing for
Purchases of up to $830,000.
Buying a home involves two major parts: finding and negotiating the right property 🏠 and obtaining the right mortgage financing 💰. Traditionally, buyers work with a real estate agent for the home purchase and a separate loan officer for the mortgage.
But what if one qualified professional is licensed to handle both? 🤝
Working with a professional who is both a licensed Real Estate Agent and Mortgage Loan Officer can make the home-buying process simpler, faster, and better coordinated from pre-approval to closing. 🔑
Before looking at homes, your loan officer can review your:
💵 Income and employment
💳 Credit profile
🏦 Available assets and down payment
📊 Existing monthly debts
🏠 Estimated mortgage payment
🧾 Property taxes, insurance, HOA fees, and other housing expenses
This helps establish a realistic price range before you begin touring homes.
Instead of falling in love with a house and then figuring out whether the financing works, you can focus on properties that make sense for your financial situation. 🎯
Not every property works equally well with every mortgage program.
A professional who understands both real estate and mortgage lending can evaluate potential homes while considering the financing requirements.
For example, the condition, type, price, taxes, HOA, insurance costs, and appraisal considerations of a property may affect the financing. 🔍
Having mortgage knowledge available during the home search can help identify potential issues before you make an offer.
The price of a home is only one part of an offer.
A dual-licensed professional can help evaluate how factors such as:
💲 Purchase price
💰 Seller contributions
📅 Closing date
🛠️ Repairs
🏦 Financing terms
📉 Potential rate or closing-cost strategies
may affect both the real estate transaction and the mortgage.
That can help you structure an offer around the complete financial picture, rather than looking only at the sales price.
One of the biggest frustrations in a traditional transaction is communication between multiple parties.
The buyer may need to communicate with the:
Real Estate Agent ➡️ Loan Officer ➡️ Processor ➡️ Underwriter ➡️ Title Company ➡️ Seller's Agent
When your real estate professional is also your loan officer, important information can move more efficiently between the real estate and financing sides of the transaction. 📲
Fewer communication gaps can mean fewer surprises and a smoother path toward closing.
After going under contract, the inspection may uncover repairs or other property concerns. 🛠️
At this stage, decisions made during negotiations can potentially affect:
The purchase price
Seller concessions
Closing costs
Financing
Appraisal
Cash needed at closing
Having one professional who understands both sides of the transaction can help you evaluate these decisions from a real estate AND financing perspective.
Two homes with similar prices don't necessarily have similar monthly payments.
Property taxes, homeowners insurance, HOA fees, special assessments, and other expenses can make a significant difference. 💵
A dual-licensed professional can help you compare homes based not only on the purchase price, but also on how the property may affect your estimated total monthly housing expense.
Instead of having one professional focused only on the property and another focused only on the financing, a dual-licensed professional can see the transaction as a whole.
Home Search → Offer → Negotiation → Contract → Inspection → Repairs
Pre-Approval → Loan Application → Processing → Appraisal → Underwriting → Final Approval
Closing → Homeownership 🎉
This can create a more coordinated experience from the moment you determine your buying power until you receive the keys to your new home.
Experienced mortgage professionals understand that seemingly small changes can sometimes create financing problems.
Buying a car 🚗, opening new credit cards 💳, changing jobs 💼, moving money between accounts 🏦, or making large deposits can potentially affect a mortgage approval.
When the same professional is involved throughout the home search and financing process, there is an opportunity to identify potential financing concerns before they become closing problems.
Buying a home can already feel complicated. Working with fewer points of contact can make the process easier to understand.
Instead of asking:
“Should I call my Realtor or my lender?” 🤔
You have one professional who understands what is happening on both sides of your transaction.
At Clear Lending, our goal is to make buying a home easier to understand and navigate.
From determining your financing options and getting pre-approved to helping you search for a home, negotiate the transaction, coordinate inspections, complete the mortgage process, and reach the closing table, we can help guide you through the journey. 🏡🔑
⭐ Clear Steps. Clear Terms. Clear Loans.
Joan was such a pleasure to work with! When Quicken denied my client's loan, Joan stepped in immediately and made every effort to make sure my client was approved. Joan was always available when I called. I am going to definitely refer him to future clients. Thanks Joan! It was a pleasure working with you.
I cant thank enough all the hard work I have seen all staff do for my approval. When I applied my score was 2 points under the required to have low down payment. They rescored my credit after paying couple of bills and on top were able to negotiate few repairs on the house I was buying. Sellers didnt want to contribute but eventually Joan was able to convince them. I am really happy with my new house and I will be eternally grateful for making this possible.
Thanks Joan, Patricia and Jorge for helping us to buy our first home. You all are kind, knowledgeable and very professional. Even thgough we were referred to you guys and so we were told you were amazing, my husband and I are happy to confirm you are everything our friends already told us about working with Clear Lending. We will use you again for an investment house we have soon in mind. Thanks again for your hard work.
