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.

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

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Business Information

Category: Mortgage Lender
Location: Houston, TX
Status: Standard
Founded: 2002
Type: Direct Lender
Profile Views: 0

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