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.
The above detailed loan information belongs to a real loan transaction closed thru Clear Lending. Loan terms are disclosed and available under Loan Terms banner.
Let us know your desired monthly payment (including insurance/taxes), zip code you prefer to live
and estimated credit score and we will estimate the max purchase price you should be looking for
Some borrowers think their loan approval is guaranteed because of their "excellent" credit, they have plenty of cash at home for down payment and because they earn a lot money. To their surprise not only their loan gets denied but also lose their earnest money deposit... Read more information
Have you ever calculated the savings you can realize in mortgage interest expenses if you pay a little bit more to principal balance each month? With our custom-designed calculator now we can… Read more information
The Veterans Administration Loan Program enables veterans and active-duty personnel to purchase or refinance VA Jumbo Loans in Texas. VA Jumbo Loan size limits are over the conforming loan limit of $647,200 to a max $4,000,000 at a 100% Loan-To-Value. Read more information
Next we will explain the keys to succesfully buy a house in 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... Read more information
Buying a house will be one of the most important financial decisions you will make in your life and knowing well in advance how much money it will take to buy the right house; it will make this process much easier... Read more information
Since 2002, Clear Lending has helped thousands of clients with the smoothest loan application process minimizing potential loan complications and assuring fastest loan approval. It doesn’t make sense seeing homes until you are familiar what your monthly payment will be on areas you wish to live... Read more information
Our four program custom mortgage calculator allows you to figure out each program monthly payment including principal & interest, taxes, insurance and mortgage insurance. It also allows computing total savings if you decide to pay more towards the principal... Read more information
Debt-to-income ratio indicates how much of a percentage of your income you are paying towards your debt each month. High debt-to-income ratio is a reason for many lenders issue a denial. Contact us for a free analysis... Read more information
In order to assure your loan approval, it is imperative before you start the loan process to make sure all credit cards or installment loans are free of accounts in dispute in some cases no matter how old they are... Read more information
If you are considering investing in residential property and would like to have more options please contact us to refer you our most experienced agents and review areas to consider before deciding where to invest. Maximize your return on investment... Read more information
Dear Joan,
Thank you so much for helping us get our very first home. You were very helpful every step of the way. Thank you for your patience, kind manner, and incredible knowledge in getting us approved and into our first home in such little time. I will send anyone I meet wanting to get a home straight to you. You are the very best Joan! Thanks a million.
Jimmy Nuno & Juany Diaz
Joan is an awesome loan officer! Not only has he helped me but also my family and friends I referred him. He literally is available any time you have questions or need him. He makes the home buying/refinance process very stress free. With his professionalism and expertise, he finds a way to get you the house of your dreams. I highly recommend him!
I would like to thank Mr. Joan Gallardo and his team for the information and support given in the complicated process of buying a house for the first time. I thought it would be very difficult and that things would not go as expected but it was all otherwise ... Thanks to the dedication of the staff of the Clear Lending office, everything went better than we had thought .. .. Closing with a very low interest and with input to our favor at the close of our house ... I reiterate our gratitude and I highly recommend this special team ...
