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 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 (update - For 2019 limit is $484,350) 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.
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.
• 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.
It was an absolute pleasure working with Clear Lending Home Mortgage! Joan and his team truly worked hard on helping me receive my dream home. As a first time home buyer I was unaware of the process and very unsure of what all it took to complete the process. After receiving constant let down and missed opportunities. I was on the verge of giving up until I spoke to Joan. He and his staff worked hard for me in closing on my first home in under 30 days, with an amazingly low interest rate. There was never a time I questioned Joan or his staff. I went into closing confident with no suprises.They were with me the entire process. Words cannot express how grateful I am of Clear Lending Home Mortgage. The level of professionalism and dedication to work hard for the home buyer is exceptional. I would recommend this company to anyone looking to purchase a home, they won't disappoint! Thank you Joan for everything, you made a dream come true!
Joan is a phenomenal person who took the time to explain in detail the entire loan process and what to expect! His knowledge and dedication made me feel comfortable as a first-time home buyer with a teacher salary. He was there from beginning to closing and even after! Without hesitation, I would seek him again for his services. Highly regarded and HIGHLY RECOMMENDED.
My experience with Joan and the clear lending team has been amazing! Joan helped us greatly, with poor credit and a job loss he was able to get us a loan! He looked out for us when choosing a home he didn’t try to push us to buy a house and always did his research. He explained every step, made sure we understood, and was there at every hour to answer any questions we had. Even after the purchase he has followed up to make sure we have no issues with our home.If you’re looking to buy a house I definitely recommend Joan and the team!