All Government Programs
First-Time Buyer, Rural and Veterans Programs
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To improve your credit scores...
Starting with only...
530 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
Foreign National Program without:
Residency, Social Security or Income in the US
Lowest down payment option, the 3% DOWN PMT Program has become the solution to buyers with low credit and limited funds for closing...
The 3% DOWN PMT Program enables buyers more cash available after closing compared to traditional conventional home loans. The total amount of down payment required is 3% of the purchase price.
The 3% DOWN PMT Program features:
- Great low rates.
- Closings of 30 days or less.
- Available with no monthly Mortgage Insurance.
- 97% LTV - 3% equity for your borrower.
- FICO score of 620.
- Interested party contribution of 3%.
- Max DTI will now be set by Automated Underwriting findings.
The 3% DOWN PMT Program requires borrowers to verify their eligibility based on the property which will be purchased.
Lenders must determine borrower/loan eligibility in accordance with Selling Guide policy. In the event of any conflict with this document, the Selling Guide and/or DU findings will govern.
Do not wait any longer and find out how much you can get Pre-Approved for.
If you are looking for a low down payment home loan program, Clear Lending can help you with The 3% Down Payment Program. Simply complete our secure and encrypted Pre-Approval Form online and we will contact you right away to review 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.
I would like to take a few minutes to thank you and your team. Although we had some unforeseen issues and it was a bit rocky your team stayed focused on the task at hand. Thank you for all that you did. We officially completed the closing.
Joan Gallardo, Elena, and the rest of the team at Clear Lending really impressed me from the beginning! They are the most honest, ethical, humble, and hardworking team I have ever come across. They are the true experts in the home mortgage/ lending industry. I met Joan after being jerked around by Quicken Loans for 2 months. Quicken tried to screw me over so bad with fees thinking I was not going to read any documents. They are pure scum! I was days away from closing when Quicken told me "Not everyone can afford a home". Then I called and spoke with Joan and within an hour, he told me that a home purchase was definitely doable. Being a first time home buyer, I was very nervous about the whole process, and more so having to go through it a second time. However, Joan worked tirelessly, like I've never seen before. He explained everything to me in detail and always answered when I called; something that is very important in my eyes. There was never any gimmicks, just truth. He was always optimistic even when I was down and feeling hopeless. The exceptional service that Joan and Clear Lending provided me was just beyond what words can explain. They definitely think of every single option before giving any glimpse of negativity. Clear Lending was able to get my debt to income approved and the bank to approve my loan; All in 1 month! One major hurdle that Joan assisted me with was with my employment. The day of my closing, I got word that I was laid off. I thought the deal was dead and I was going to lose all the money I had already put down. It was one of the worst possible things that could happen. I had given up! I had no hope! I could not close on that day, but Joan went as far as speaking with the bank, and seller's realtor to extend the contract. Once extended, I was blessed enough to find another job (same industry) the very next week and with a strong Verification of Employment, I was able to close on my home AND with a low interest rate that no one else can beat! I truly feel blessed to have worked with Joan and Clear Lending. Joan and the rest of the staff wholeheartedly care about their clients. I would not think twice about referring Joan and Clear Lending to anyone. I will forever remember the hard work and dedication Joan provided to me. With gratitude and so much appreciation, I want to thank everyone at Clear Lending. I am officially a home owner! And it's all because of your outstanding work ethic.
July 28th.... A very important day for someone at age 44. A huge change that was much needed but none the less, very difficult. After living in my previous home for 15 years and being with someone for 25 years, I found myself back at my Mom’s house and starting over. After wallowing in my sadness for a while, I decided to start looking for a new home for my young adult children, dogs and myself. Thankfully, a cousin had given me a number to a realtor that led me to Joan with Clear Lending. With all the difficult changes I also was in for a fight when it came to applying for a mortgage. Being naive to the process, Joan was very patient and helpful. Even when I felt hopeless, he reminded me constantly it would be okay and it was part of the process, I'm not sure but I think maybe a part of him was starting to see the difficulty I was facing. But one night, I received the best phone call in the world!! I was clear to move forward and close on my home. I thank God every day for putting the right people in my path to help in my new chapter of life. Thank you Joan and Clear Lending for working so hard on my approval for my mortgage.