All Government Programs
First-Time Buyer, Rural and Veterans Programs
Ask us about our program
To improve your credit scores...
Starting with only...
500 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
VA Mortgage loans can be guaranteed with no money down and there is no private mortgage insurance requirement. An exclusive benefit for active-duty military personnel, veterans and their families.
Our number one mortgage loan program and our highest dedication owed to America's Heroes. Our Veterans and Military Active-Duty Personnel residing in Texas receive red carpet treatment through our standard VA Loan Programs, VA JUMBO Loan Programs, and our custom VA Mortgage Loans for bad credit.
Clear Lending is in contact with the Houston Regional Loan Center from the Department of Veteran Affairs, receiving updated guidelines affecting the insurability and, thus, the approval of all VA mortgage loan programs.
Our VA mortgage loan programs allow us to secure financing, starting with 500+ credit scores as well as assist in search of the perfect house. However, one of the main requirements from our applicants' credit reports history is that none of the agencies, whether Experian, Transunion or Equifax report late payments over 30 days within the last 12 months. On a case-by-case basis, we may be able to still approve loans regardless of late payments within the previous 12 months as long as the borrower can document specific reasons other than financial mismanagement.
For those applicants with credit challenges such as unpaid collection accounts, old outstanding debts, or home loan foreclosure (or deed-in-lieu of foreclosure) in an applicant's or spouse's credit history does not in itself disqualify the loan. Please let us analyze your credit in-depth and work your options even if a central bank or financial institution has denied your loan.
At Clear Lending, we are proud of having served hundreds of VA loans as well as negotiated the purchase transaction details helping VA applicants close homes with very little or no closing costs. For instance, a recent close of a 3,000+ sq. Ft. and 10-acre lot property required a VA Jumbo Loan of over $453,100 (update - For 2021 limit is $548,250) and only needed $3,350 at closing. This loan scenario is one of the reasons why Clear Lending is one of the leading VA lenders in Texas with the best interest rates specializing in VA loans for bad credit.
We help veterans obtain the Certificate of Eligibility (COE), which is the only reliable Proof of Eligibility to be able to close the loan. Although eligible for the home loan benefit, veterans must still qualify based on income and credit before underwriting grants loan approval. The great news is the debt to income ratios can go to 60% if other conditions apply.
Furthermore, if you have student loans and its repayments are deferred for a period over 12+ months, don't need to be considered in the analysis for qualification giving greater flexibility and chances for approval. Don't worry, and let us analyze your loan options.
Features and Benefits:
• NO down payment ($0.00) for loan amounts up to $548,250.
• No down payment per VA county limit.
• 10, 15, 20, 25 or 30-year fixed-rate mortgage.
• 3- or 5-year adjustable-rate mortgage.
• Seller assistance may be possible to even 4% of the sales price.
• Low minimum credit score of 500.
• Cash-out refinances available.
• 1- to 4-unit property.
• Manufactured homes (refinances of currently serviced loans only).
Grab the Opportunity to Use VA Loan Programs in Houston
Whether you are considering purchasing or refinancing an existing VA mortgage loan, 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 regarding VA loan programs in Houston.
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.
Our experience with Joan was phenomenal. He worked diligently throughout the holidays last year to ensure we closed as promptly as possible. Will and have definitely recommended him to anyone else that's been looking. Thanks again for everything you did!
We finally get the opportunity to write down our review. First, we would like to thank Patricia and Joan for all their efforts. It was a bit overwhelming as we were from out of state, from Massachusetts to be exact. From day 1 to closing date. Patricia & Joan worked with us every step of the way. There was NEVER a day off, and NOT one question unanswered. We got FHA loan approved. And today, we are happy to say, we are home owner’s! Thank you so much! Joan & Patricia.
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.