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VA Loan Program:

The best financing benefits and easiest access to housing for our Heroes

U.S. Department of Veterans Affairs

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.

 

Clear Lending offers VA loans for low credit scores starting with 530 credit scores.

The Veterans Administration loan program enables veterans and active duty personnel to purchase or refinance a home with favorable loan terms. 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 loan approval is granted.  The great news is debt to income ratios can go to 60% if other conditions apply. 

For those applicants with credit challenges such as unpaid collection accounts, old unpaid 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 major bank or financial institution has denied your loan. 

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.

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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 sales price.
• Low minimum credit score of 530.
• Cash-out refinances available.

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Eligible Properties:

• 1- to 4-unit property.
• PUDs.
• Condominiums.
• 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 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.

Customers Reviews:

  • Julio Gomez • October 09, 2016

    It was great to have Clear Lending support to achieve my objectives. My Family and I contacted Clear Lending from Indonesia for primary home mortgage. All the process was completed remotely by email and Whatsapp. Upon getting the credit approval, we chose our new home and closed the purchase successfully and timely. My Family and I are very lucky to count on you and we wish to thank you for a fantastic services and for your guidance and advise.

  • Rildon & Edis • May 04, 2017

    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.

  • Jerald Sidney • October 12, 2016

    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!

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