Foreign National Program without:
Residency, Social Security or Income in the US
USDA Loans for moderate income Families
0% down payment - 100% financing
All Government Loan Programs
FHA, USDA and VA
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.
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.
For our Heroes under disability we offer zero out of pocket lender related closing costs and on a case by case basis as certain conditions may apply, we may be able to offer ALL closing costs included in the loan so you would go at closing with $0.00 out of pocket. Let us serve you now and help you get your dream home.
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 home loans with a credit score of 550.
Our VA mortgage loan programs allow us to secure financing, starting with 550+ credit scores, as well as assist in the search for 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 thousands of VA loans and 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 (for year 2026 limit is increased $832,750) and only needed $3,350 at closing. This loan scenario is one reason 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 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 their repayments are deferred for over 12+ months, you 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.
Get today's lowest mortgage rates.
Features and Benefits:
• NO down payment ($0.00) for loan amounts up to $4,000,000.
• No down payment per VA county limit.
• 10, 15, 20, 25 or 30-year fixed-rate mortgages.
• 3- or 5-year adjustable-rate mortgage.
• Seller assistance may be possible to even 4% of the sales price.
• Low minimum credit score of 550.
• Cash-out refinances available.
Get today's lowest mortgage rates.
Eligible Properties :
• 1-to4-unit property.
• PUDs.
• Condominiums.
• Manufactured homes (refinances of currently serviced loans only).
Grab the Opportunity to Use VA Loan Programs in Houston, TX.
Whether you are considering purchasing or refinancing an existing VA 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 regarding VA loan programs in Houston, TX.
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.
It was an amazing experience. My family and I are extremely thankful for all the hard work Joan and his team , above all Ms Elena and Ms Patricia. They all made our first time buying a home just as easy as it could be , even though my husband had to fix his credit. They told us what to do and what to work in order for us to improve his credit score . They fallowed us and Guided us for almost a year and then when we could be able to buy the process did not last a month . We were approved very quickly and the whole process was very fast , they work very fast and they work with you , they are an excellent team and I would recommend them 100% sure that they will do an excellent job helping you to buy the perfect house . Thank you so much , I am so deeply thankful.
My wife and I had been trying to purchase a home for over two years and due to some other unforeseen issues we felt that that dream would never come true. I am grateful that we found Joan Gallardo with Clear Lending to make our dream come true. Joan was there every step of the way and two months after closing he is still there for us if we need anything or have any questions about our mortgage. Being first time buyers we were scared and nervous about the entire process but Joan made it as simple as possible and the whole experience was great. He gave us all the information we needed to make the home purchase that fit our needs and we could have not asked for a better mortgage lender. Our family is forever grateful for his hard and professionalism.
Hello to all those people who follow closely Clear lending Houston tx. First, tell them not to be afraid to make a decision and approach to seeking information. I know that for many they think that buying a house is a big problem or a tedious process, I also thought the same thing but I can not tell you that since I arrived at the clear lending office where I was well received, I already knew that I was part of the big family that is clear lending for good attention the positive environment and where you breathe airs of achievement. I can also tell you that the professionalism and knowledge of these people make this long process less heavy and more enjoyable. When there are people who know what they are doing, they make the processes easier, I say so because not only is it I want such a house or another. I tell them that no, throughout this process it is where you start to find what you want, you learn from several tips that are provided by a great agent that is Joan thanks to his knowledge and his advice I managed to get the house that I did not think to have. Regardless of thinking about my budget and my possibilities, your help was very important for my final decision, achieving this great dream.
