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
The HomeStyle Renovation (HSR) mortgage provides a convenient and economical way for borrowers considering moderate home improvements to make repairs and renovations with a single-close first mortgage, rather than a second mortgage, home equity line of credit, or other, more costly methods of financing.
Clear Lending offers renovation loan mortgage programs that might be right for you.
Our HomeStyle Renovation program allows borrowers to combine the purchase or refinance of a home with the costs to renovate or extensively remodel the property. At closing, an interest-earning account will escrow all funds for renovation. After all renovation work is complete, any remaining funds in the renovation escrow account will help pay down the mortgage's principal balance.
Program Highlights:
• Include in renovation loan six months of mortgage payments if borrower must vacate the house (Loan + Taxes + Insurance).
• Finance up to 97% of your home purchase and renovation costs (Refinance allows max 75% for renovation costs).
• Eligible properties: 1 - 4 units, PUDs and manufactured homes.
• 15 and 30-year terms.
• Loans from $250,000 to $806,500.
• No Minimum Credit Score but Automated Underwriting System Approval.
• Renovation loans for primary, secondary, and investment homes.
• A minimum of a 10% and maximum of 15% contingency reserve is required and can be financed into the loan.
• Renovation funds are escrowed in an interest-bearing account.
• Finance soft costs (architectural services, engineering, permit fees, etc.).
Get today's lowest mortgages rates.
Whether you are considering purchasing or refinancing an existing property in need of renovations, Clear Lending can help you. Apply online, and we will contact you right away to review the best options for you.
Don't wait any longer, and find out how much loan you can get Pre-Approved.
Whether you are considering purchasing or refinancing an existing FHA mortgage loan, Clear Lending can help you. 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.
Joan is simply amazing! He truely cares about his clients and works day in and day out to ensure they are satisfied. We used a VA loan and despite the credit hiccups we have had in the past he was able to assist us and give us a better rate than was offered by other lenders. Joan showed us that mortgage lenders are people too and he really understood our circumstances and our need to be able to close soon after contacting him. He is simply the best and we would recommend him to anyone else using a VA home loan or any other type of home loan.
Joan makes you feel you are his only customer. And he doesn't seem to sleep either. Always speaks with kind works with us. Thank you again Joan.
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.
