Foreclosure is such a life changing event that when executed the whole world is turned upside-down in just hours. Take action now before is loo late.
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Joan Gallardo, Elena, and the rest of the team at Clear Lending really impressed me from the beginning! They are the most honest, ethical, humble, and hardworking team I have ever come across. They are the true experts in the home mortgage/ lending industry. I met Joan after being jerked around by Quicken Loans for 2 months. Quicken tried to screw me over so bad with fees thinking I was not going to read any documents. They are pure scum! I was days away from closing when Quicken told me "Not everyone can afford a home". Then I called and spoke with Joan and within an hour, he told me that a home purchase was definitely doable. Being a first time home buyer, I was very nervous about the whole process, and more so having to go through it a second time. However, Joan worked tirelessly, like I've never seen before. He explained everything to me in detail and always answered when I called; something that is very important in my eyes. There was never any gimmicks, just truth. He was always optimistic even when I was down and feeling hopeless. The exceptional service that Joan and Clear Lending provided me was just beyond what words can explain. They definitely think of every single option before giving any glimpse of negativity. Clear Lending was able to get my debt to income approved and the bank to approve my loan; All in 1 month! One major hurdle that Joan assisted me with was with my employment. The day of my closing, I got word that I was laid off. I thought the deal was dead and I was going to lose all the money I had already put down. It was one of the worst possible things that could happen. I had given up! I had no hope! I could not close on that day, but Joan went as far as speaking with the bank, and seller's realtor to extend the contract. Once extended, I was blessed enough to find another job (same industry) the very next week and with a strong Verification of Employment, I was able to close on my home AND with a low interest rate that no one else can beat! I truly feel blessed to have worked with Joan and Clear Lending. Joan and the rest of the staff wholeheartedly care about their clients. I would not think twice about referring Joan and Clear Lending to anyone. I will forever remember the hard work and dedication Joan provided to me. With gratitude and so much appreciation, I want to thank everyone at Clear Lending. I am officially a home owner! And it's all because of your outstanding work ethic.
Working with Joan at clear Lending has been the best experience of my life. I have been turned down several times because of my credit score. No one ever took the time to explain to me what exactly I needed to do so I lost all hope, just when I was about to give up and continue to pay extremely high rent I found Clear Lending and I would be forever thankful I did. They are very upfront with you through your whole process, not only that they help you. Everyone I have spoken with has been extremely nice and professional and was able to work with my credit score to give me my dream home. Joan said we will find a home before my lease was up in March and we did I closed on March 26,21 and it was a smooth process. Joan is very hands-on with you through the whole process and works EXTREMELY! hard to make sure you are happy, any time I had a question he answers right away. It never left a message and I will have him call you back kind of place. Any time I had a question no matter how late or early it was he responded quickly. If I could give the me 100 stars I would, if I can give them a review every day I would. I never thought this day would ever happen after being turned down by other companies and it did thanks to Clear Lending. Not only that my closing cost was less than I expected it to be. Joan said he would give me the best rate he could and he did just that. Thank you, Joan. I and my kids will be forever thankful for you and your team, for everything you guys did for us to get us in our home with kindness and patience.
FROM GOOGLE: I worked with Joan at Clear Lending. Joan worked not only as a lender but as a realtor showing me the houses. He communicated with me every step of the way and answered any questions I had. He was honest about the properties we looked at and was very helpful with suggestions for renovations I was interested in. He made suggestions for contractors after I closed on a house who offered fair prices and did exceptional work. Joan will go the extra step for you plus some and I would recommend him and Clear Lending to anyone who is interested in buying a new home. Joan is dedicated and will get the job done! He made my first home buying process enjoyable and easy. His honesty and hard work are appreciated! I have already recommended Joan to friends who have just started looking for new homes.