Clear Lending - First Time Home Buyer Loans
Mortgage Lender serving Houston, TX
About Clear Lending - First Time Home Buyer Loans
Clear Lending is a dedicated mortgage lender based in Houston, Texas, operating with the motto “Clear Steps, Clear Terms, Clear Loans.” Since its establishment in 2002, the company has focused on simplifying the home loan process for a diverse range of borrowers, priding itself on clear communication and efficient approvals. They emphasize providing solutions for individuals who might face challenges with traditional lending, including those with lower credit scores or unique income situations.
The lender distinguishes itself by offering an extensive portfolio of home loan programs tailored to various needs. This includes government-backed options like FHA, VA, and USDA loans, as well as specialized programs such as DACA, ITIN, Foreign National, and 12-month Bank Statement loans designed for self-employed individuals. Clear Lending's commitment extends to offering assistance for first-time homebuyers, low down payment solutions, and renovation financing, ensuring accessibility to homeownership across different financial profiles.
Clear Lending aims to be a comprehensive resource, providing free consultations and a fast pre-approval process, particularly beneficial for clients in Texas. Their focus on client satisfaction, combined with a broad range of products, positions them as a key partner for individuals seeking personalized mortgage solutions and expert guidance in the Houston real estate market and throughout Texas.
The lender distinguishes itself by offering an extensive portfolio of home loan programs tailored to various needs. This includes government-backed options like FHA, VA, and USDA loans, as well as specialized programs such as DACA, ITIN, Foreign National, and 12-month Bank Statement loans designed for self-employed individuals. Clear Lending's commitment extends to offering assistance for first-time homebuyers, low down payment solutions, and renovation financing, ensuring accessibility to homeownership across different financial profiles.
Clear Lending aims to be a comprehensive resource, providing free consultations and a fast pre-approval process, particularly beneficial for clients in Texas. Their focus on client satisfaction, combined with a broad range of products, positions them as a key partner for individuals seeking personalized mortgage solutions and expert guidance in the Houston real estate market and throughout Texas.
Company Information
Founded: 2002
Lender Type: Direct Lender
Headquarters: Houston, TX
Licensed In
TX
Certifications & Credentials
FHA ApprovedVA ApprovedUSDA Approved
Digital Capabilities
Online Application
Pre-Qualification Tool
Rate Calculator
Home Loan Products
Conventional Loan Program
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
Low Down Payment ProgramHomeReady ProgramHome Possible ProgramDown Payment AssistanceRenovation Loan
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
3%
Min Down Payment
97%
Max LTV
580
Min Credit Score
FHA Loan Program
Loan Types:
FHARefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseManufactured/Mobile HomeMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment ProgramDown Payment Assistance
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
3.5%
Min Down Payment
96.5%
Max LTV
580
Min Credit Score
VA Loan Program
Loan Types:
VARefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseManufactured/Mobile Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
0
100%
Max LTV
580
Min Credit Score
USDA Loan Program
Loan Types:
USDA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeManufactured/Mobile Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
Low Down Payment ProgramDown Payment Assistance
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
0
100%
Max LTV
Jumbo Loan Program
Loan Types:
Jumbo
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)
10%
Min Down Payment
90%
Max LTV
VA Jumbo Loan Program
Loan Types:
VAJumbo
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
0
100%
Max LTV
580
Min Credit Score
Foreign National Loan Program
Loan Types:
PortfolioNon-QM
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
InvestorBusiness Owner
Income Verification:
No Income Verification
Special Programs:
Foreign National ProgramNon-Resident Alien Program
Non-Permanent Resident Program
Loan Types:
Conventional
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 Employee
Income Verification:
Full Documentation
Special Programs:
Non-Resident Alien Program
12 Month Bank Statement Loan Program
Loan Types:
Bank StatementPortfolioNon-QM
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-EmployedBusiness Owner
Income Verification:
Bank Statement
Special Programs:
Self-Employed ProgramBank Statement Program
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
ITIN Loan Program
Loan Types:
PortfolioNon-QM
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Income Verification:
Bank Statement
Special Programs:
ITIN Program
15%
Min Down Payment
DACA Loan Program
Loan Types:
ConventionalFHA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Income Verification:
Full Documentation
Special Programs:
DACA Recipient ProgramLow Down Payment Program
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
3.5%
Min Down Payment
600
Min Credit Score
Land Loan Program
Loan Types:
PortfolioConstructionRefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyVacation/Second HomeMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opTiny HomeModular HomeSingle-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Hard Money Loan
Loan Types:
Hard Money
Property Types:
Investment Property
Occupancy Types:
Investment Property
Employment Types:
Investor
Commercial Loan Products
SBA Loan Program
Loan Types:
SBA 7(a)
Property Types:
OfficeRetailIndustrial/WarehouseMultifamily (5+ units)HospitalityManufacturingHealthcare
Contact Information
2323 S Voss Rd Suite 335
Houston, TX 77057
US
Connect With Us
Get a Free Quote
Thank you! Your request has been sent. We will contact you soon.
An error occurred. Please try again.
Business Information
Category: Mortgage Lender
Location: Houston, TX
Status: Standard
Founded: 2002
Type: Direct Lender
Profile Views: 0
Advertisement Space