Foreign National Program without:
Residency, Social Security or Income in the US
All Government Programs
First-Time Buyer, Rural and Veterans Programs
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.
USDA Loans for moderate income Families
0% down payment - 100% financing
Here’s how you can be sure to be ready to buy your dream home in the year 2022! Searching for the best mortgage lender in houston or real estate professional is not an easy task. Below are some of our best tips that you can use to efficiently plan out your home purchase:
1. First and before even begin searching for homes, you need to make sure that you check your credit scores. Keep in mind well known and heavily advertised online companies offering your scores are often misleading as scores are just estimates, not the Tri-Merge Scores used in the mortgage banking industry. Your credit score is crucial towards you being approved for a home loan since the lender takes a close look at not only your income, assets or employment history but also your middle credit score. Search for a lender which will allow you purchase a copy of Tri-Merge credit score so you don’t have to pull credit at several institutions to obtain a quote.
CONGRATULATIONS HOMEOWNERS 
2. Second and no matter how appealing the thought of buying anything new might seem to be at that moment specially during the holidays, our recommendation is to wait. Doing so may eliminate your chance to purchase a house for another 2 or 3 more years. Buying on credit even with the stores’ promise of delayed future payments, the balance of your purchase and its monthly payment show up almost immediately under your credit report. So, if your desire is to become a home owner consult first with us whether your intended future purchases will affect your qualification chances.
3. Third save money at closing by asking your loan officer about available special incentive programs from preferred real estate agents and/or brokers which may help you save in some cases even $2,500 which you would need to otherwise pull from your pocket. Only one question may get you enough money to buy brand new appliances for free!
4. Be humble and loyal once you chose the lender and/or real estate professional you feel gives you best value after your complete a thorough research about market options. Buying a house is almost a full-time job for a brief period of time. In certain occasions, buyers’ bossy attitudes may discourage loan officer and/or real estate agents from going the extra mile searching incentives they could have obtained if had a nicer and humble attitude.
5. Last but certainly not the least, always research for the best mortgage lender in Houston and/or real estate agents offering best value. We cannot stress on the importance of this because as a homebuyer, there are a lot of things that you might not be aware of, therefore getting an agent who is trustworthy, informative and reputable is key!
Great company, great service and great results. I am very satisfied with the level and quality of service. I can tell these people know what they are doing.
Nuestra experiencia con Clear Lending fue sin duda una de las mejores. Al principio pensamos que era imposible comprar casa pero con la ayuda de Joan y su equipo nuestro sueño se hizo realidad. Si tienes duda llama ellos siempre estan disponibles. Incluso una amiga quien estuvo en mi caso ya obtuvo su primer casa. MIL GRACIAS!!!
Thank you soooo much Joan, Patricia and Samantha for helping us purchase our first home ever. My wife and I are so thankful there are no words to express the joy we feel each time we open the door of our house. I say to my wife… wait is this our house? Then I remember that yes, we just closed few days ago…. LOL. Jokes aside everything you Joan have done for us ever since day one is beyond any words of appreciation. In our case, we truly feel you have been godsent. I still remember the day my wife and I went to Wells Fargo to be told our chances were very limited due to my taxes’ deductions and so we needed to wait 2 possibly 3 years???? My own bank Wells Fargo, Bank of America, Chase, Capital One and God knows how many places we tried. Each one gave us similar reasons but at the end the message was that we didn’t qualify and zero instructions. Well yes, the instructions were that our taxes didn’t reveal the true picture and health of my business operations. Great and now what? Nothing. And so, I stopped searching. Sometime later after talking to a client about my hopeless attempt to buy a house, he told me about a loan officer who showed up from time to time in the radio station offering home loan programs traditional banks would not offer. And so, I started googling until I found Clear Lending. I asked my colleague and bingo! This was the company. And so, I applied online, got a call back very fast, completed an application over the phone, sent income documents and then I was asked to go with my wife at their office. After one hour or so, I was given precise instructions to become a home owner with a government loan program. All I remember was… “If you follow my advice, we will make it happen”. And a year later, Joan got us the house of our dreams, negotiated best deal to cover most closing costs and closed our loan with a 4.25% interest rate when my own was offering me 4.875%???? I am so thankful I found this guy I still cannot believe the miracle he worked for us. Again, thank you Joan and your team for being a true servant and valuable tool to make possible what for me I was told bank after bank to stop searching as it was not possible. I will always refer you absolutely everyone desiring to buy a house. You are indeed the miracle man!!!!
