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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.

 

Our number one mortgage loan program and our highest dedication are owed to America’s Heroes. Our Veterans and Military Active-Duty Personnel residing in Texas receive red carpet treatment thru 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 the 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 last 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 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.

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 and only required $3,350 at closing. This 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 loan approval is granted. 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.

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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 500.
• 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 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.

Customers Reviews:

  • Jason Park • November 16, 2015

    Joan makes you feel you are his only customer. And he doesn't seem to sleep either. Always speaks with kind works with us. Thank you again Joan.

  • Maria Mendoza • October 12, 2017

    Good evening my wonderful Clear Lending Team, I just wanted to thank each and every one of you, including Patricia, for all your awesome and amazing job with our last closing. Thanks for putting the loan process together. As always you guys are wonderful and just wanted let you to know I truly appreciate each and everyone of you for all your hard and outstanding work. I know that working together as a team our business will grow. Big hug to all. Thanks and blessings!

  • Glenda Alvarez • May 05, 2015

    Joan I really appreciate all the patience you had with us. You gave us hope after we had a bad experience with our bank making sure our loan was first approved before looking for a house. This really brought our hopes up. You made sure houses we went to see met our expectations. Then no matter how late at night or early in the morning you would answer all our calls. Even when we signed the contract on the house you would still keep in touch with us and made sure everything was good. I will be referring you everyone I know and our next home purchase is going to be with you. Thank you so much Joan.

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