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 2019 limit is $484,350) 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:
• 10, 15, 20, 25 or 30-year fixed-rate mortgage.
• 3- or 5-year adjustable-rate mortgage.
• No down payment per VA county limit.
• 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.
BEST LOAN OFFICER!!! I had a terrible experience with Nations Reliable Lending. After wasting time, I met Joan Gallardo. He cleaned my credit explaining WITH details what had to be done. He worked day, nights, even on SUNDAYS on getting me approved. Who does that? Just Joan Gallardo!!! I got a 100% financing thanks to Joan. Thanks to Joan my family and I have a place to call a HOME. I recommend everyone to contact JOAN GALLARDO! You will NOT regret it. Thank you Joan!!
FROM GOOGLE: Joan was incredible and helped me get my VA jumbo loan to purchase my property. From finding the right property to walking me through every step of the loan and closing process, Joan provided superior service. I highly recommend him!!!
Joan, you are the man with miracle hands! I have really been enjoying my new home. It was a long time coming and it happened right on time. Thanks to you, this whole process was phenomenal. The closing went smooth with no problems. I appreciate the professionalism, the hard work, and the late hours. I would highly recommend your services. Again, thank for everything!