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.
Are you ready to buy your dream home but still missing enough savings for a down payment? We can help!
So, you make the income, can afford the monthly payment, have saved some money, but need help with down payment and closing costs?
You are in the right place. Clear Lending can help you obtain Down Payment Assistance regardless of whether you are a First Time Home Buyer or not!
The Down Payment Assistance Program provides the maximum amount of up to $30,000. Funds can be used toward your down payment and reasonable closing costs. Under this program, you would be able to choose amongst a 30-year fixed-rate FHA, VA, USDA, and Conventional mortgage loan, whichever you can qualify. In case you wonder about the mortgage loan you would be getting, there is no pre-payment penalty or federal recapture tax for the mortgage loan.
Please note currently Clear Lending offers this program only in the following counties:
- Harris County
Another essential requirement to obtain our Down Payment Assistance Program is that it requires our preferred real estate office from HoustonDesignHomes.com to negotiate the purchase and, thus, the contract of the chosen house. This process requires a non-refundable application fee of $590.00 to the real estate company.
Our preferred agents are experienced Texas Real Estate Commission Licensed Sales Agents knowledgeable about the entire process. From the home search process to complete purchase contract documents, inspection, and closing, our agents will guide you, giving peace of mind for a successful experience. Once you apply online will provide you with a detailed explanation about the process.
The following are some essential details about the Down Payment Assistance Program:
- First Time Homebuyer or lost a house during Harvey hurricane requirement.
- Non-Occupant Borrowers are OK.
- Property types can only be 1-4 Single Family Residence, Townhouse/Condo.
- Minimum FICO Score of 580+ for the FHA and case by case basis 500+ VA mortgage loans.
- Minimum FICO Score of 620+ for the USDA and Conventional mortgage loans.
- Borrowers will need to meet maximum Program Income Limits.
- Complete online Homebuyer Education Class. The class must be completed before you purchase your home.
Do not wait any longer, and let's start the process to buy your dream home and apply for Down Payment Assistance.
If you need more information about Down Payment Assistance Programs in Houston, Clear Lending can help you. Simply complete our secure and encrypted Pre-Approval Form online, and we will contact you right away to review the best options for you.
Not all applicants will qualify. This advertisement is not an offer for an extension of credit. Please meet with a licensed loan originator for more information as programs are available only to qualified borrowers. Programs rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to underwriting guidelines and program guidelines and are subject to change without notice. Some restrictions may apply.
Would recommend 1000%!!!!! What an experience! Called Joan about buying a home and within 2 months, we looked at A LOT of homes, found one we loved, and closed within 30 days. Before calling Clear lending, I was stressed about the home buying process due to the COVID virus, never thought we would be able to close during a pandemic. Joan made the home buying experience simple and straightforward, answering all questions via phone and WhatsApp, and we also made sure to send all needed documentation in, when requested, to ensure a smooth close... The closing process was stressful due to the anticipation of wanting the process to come to an end, however, that's normal and Joan was readily available answering my never-ending questions. Joan truly cares about his clients and was in my corner throughout the process. Superexcellent home buying experience and a great person to work with. Thanks, Joan/clear lending!!!!
I wanted to buy a second home, without having to sell my primary home in Florida. I had originally contracted another mortgage broker to help me secure a loan. I spent so much valuable time with this broker only for her to tell me that I could not obtain any financing unless I sold my house in Florida. I was so frustrated with the original broker that I decided to look online for another mortgage company. I found Clear Lending. OMG talk about professionalism, knowledgeable, and the dedication Joan from Clear Lending, and his staff that in 3 months I had a new home in Texas, without selling my home in Florida. The best part of this that under the Clear Lending umbrella I was able to get my mortgage and Real Estate agent under one roof.
Thank you so much clear lending. I cant thank you enough for working with us to be able to buy our home. We are so happy and grateful we have been able to close on our first home. Anyone in need of committed loan officer dont look any where else. Joan is the real deal. Thank you Sir.
