Non-Permanent Resident Program

Customers Reviews:

• Atasha Alfred

  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.

• Samantha Villarreal

  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.

• Debra Goss

  Definitely would recommend this company to anyone trying to get a home. Joan with Clear lending really helped us to close on a home after previous attempts to get a home prior did not go work out. They really worked with our situation and made it possible for us to get our first home. He took the time to answer all our questions and concerns. He was also honest and sincere in his feedback. And For that my husband and I are forever grateful! We were losing hope thinking we wouldn't be able to ever get approved, but clear lending gave us hope again. Thank you clear lending for all your help and making it possible for us to get our first home!!!