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First-Time Buyer, Rural and Veterans Programs
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580 Credit Scores!!!
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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
The Federal Government helps victims in Presidentially-Declared Major Disaster Area (PDMDA) recover by making it easier to get mortgages and become homeowners or re-establish themselves as homeowners.
The Federal Government helps victims in Presidentially-Declared Major Disaster Area (PDMDA) recover by making it easier to get mortgages and become homeowners or re-establish themselves as homeowners. The Disaster Relief Loan Program allows victims of a major disaster who have lost their homes and are in the process of rebuilding or buying another home.
The Borrower must provide conclusive evidence that their previous residence was located in a disaster area and was destroyed or damaged to such an extent that replacement is necessary. Documentation showing a permanent home in the affected site before the disaster includes a valid driver's license, a voter registration card, utility bills, etc. Documentation regarding the destruction of the residence may consist of an insurance report, an inspection report by an independent fee inspector or government agency, or conclusive photographic evidence showing the destruction or damage. The Borrower may have been the owner or a renter of the property affected.
Disaster Relief Loan Program offers features that make a recovery from a disaster easier:
Eligibility:
• Program is available to renters and homeowners of damaged homes.
• Credit score as low as 600 as well as borrowers with no credit (non-traditional credit).
• The purchased property must be a single-family residence.
• The purchased house must be primary residence only.
• Eligible applicants include U. S. citizens, permanent resident aliens, Non-permanent resident aliens as allowed by HUD guidelines, and Non-occupant co-borrowers.
• Applicant must proof prior residence is uninhabitable.
Benefits:
• No down payment is required.
• The Borrower is eligible for 100 % financing.
• Closing costs and prepaid expenses can be paid through premium pricing or by the seller, subject to a 6 % limitation on seller concessions.
• Loans available with 10, 15, 20, 25, 30-year terms.
• Mortgage Payment on the destroyed residence located in a PDMDA excluded from the Borrower's liabilities IF Borrower obtains the information that the Borrower is working with the servicing Mortgagee to address their mortgage obligation appropriately, and apply any property insurance proceeds to the Mortgage of the damaged house.
Don't wait any longer and find out how much loan you can get Pre-Approved.
If you have lost your primary residence due to a natural disaster, 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.
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.
FROM GOOGLE: We were first time buyers and did not know how much work it was when purchasing a new home but Joan went above and beyond to get us into our dream home. He educated us on the process, kept us up to date with our account, made himself available day or night if we had questions and was very patient with us. He made an experience that can be tiresome as smooth as possible. Our family is forever grateful for all his hard work and we will definitely refer him and this company to our friends looking to purchase a new home.
I can't thank enough clear lending for the amazing service I received since I applied online. I really felt everyone involved in the process had plenty of experience plus loved the fact not only have helped me with the loan approval but also the home search. This has been my third home purchase and working with someone who not only gets you approved but also can help on the home search has been priceless. One stop shop with plenty of excperience. Thanks to all for such a smooth process.
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.
