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.
FROM GOOGLE: Thank you, Mr. Joan and Patricia, for all your hard work and patience your team is a blessing to my family and I really appreciate everything you guys did for us to get our first home !!!
Thank you so much Joan for helping me get approved and close on my beautiful house after being denied by AMCAP and CORNERSTONE over silly stuff. I signed a contract with Stormi Harris from NEWMARK homes and she pretty much requested me to get approved with their preferred lenders. First, I went to AMCAP and later I was sent to CORNERSTONE. Both first approved me but after waiting and a second review or something like that denied me for not having 2-year employment history with same employer and for a couple of silly old issues on credit. At that point, I had given NEWMARK homes over $13,000 which sometimes as per all communications I felt builder I was not going to get back if I didn’t get approved. Then I after searching on google for local lenders I was lucky enough to find Clear Lending and after sending an approval request I got a call from Broker Joan Gallardo. I advised him about the urgency and after I sent him my documents requested he gave me peace of mind by telling me I had 90% chance of being able to close. Joan was so clear and precise with what to expect I felt I was on the right place. After few conditions we had to clear I got the good news I was Clear-To-Close. I am so thankful I want everyone to know this guy rocks and if you are buying a brand new house maybe you want to avoid builder lenders if you don’t have everything perfect. Loan Officers will tell you everything is ok but as I lived it I can see they had no idea what underwriting may come back with after waiting and waiting for an approval. Soo scary!!!! Thanks Clear Lending for saving me from a huge loss and helping realize my dreams. I will refer you all my friends or whoever ask me if I know a good lender!!!
Thank you so much to the entitire team. I cant thank you enough for helping me find my dearm house and got a loan approved at a better rate than my own bank. Cannot belive it!!! Thanks Again.
