Foreign National Program without:
Residency, Social Security or Income in the US
All Government Programs
First-Time Buyer, Rural and Veterans Programs
Ask us about our program
To improve your credit scores...
Starting with only...
580 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
The HomeStyle Renovation (HSR) mortgage provides a convenient and economical way for borrowers considering moderate home improvements to make repairs and renovations with a single-close first mortgage, rather than a second mortgage, home equity line of credit, or other, more costly methods of financing.
Clear Lending offers renovation loan mortgage programs that might be right for you.
Our HomeStyle Renovation program allows borrowers to combine the purchase or refinance of a home with the costs to renovate or extensively remodel the property. At closing, an interest-earning account will escrow all funds for renovation. After all renovation work is complete, any remaining funds in the renovation escrow account will help pay down the mortgage's principal balance.
Program Highlights:
• Include in renovation loan six months of mortgage payments if borrower must vacate the house (Loan + Taxes + Insurance).
• Finance up to 97% of your home purchase and renovation costs (Refinance allows max 75% for renovation costs).
• Eligible properties: 1 - 4 units, PUDs and manufactured homes.
• 15 and 30-year terms.
• Loans from $250,000 to $806,500.
• No Minimum Credit Score but Automated Underwriting System Approval.
• Renovation loans for primary, secondary, and investment homes.
• A minimum of a 10% and maximum of 15% contingency reserve is required and can be financed into the loan.
• Renovation funds are escrowed in an interest-bearing account.
• Finance soft costs (architectural services, engineering, permit fees, etc.).
Get today's lowest mortgages rates.
Whether you are considering purchasing or refinancing an existing property in need of renovations, Clear Lending can help you. Apply online, and we will contact you right away to review the best options for you.
Don't wait any longer, and find out how much loan you can get Pre-Approved.
Whether you are considering purchasing or refinancing an existing FHA mortgage loan, Clear Lending can help you. 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 my first call to the final signature at closing, Joan and his team were amazing! They were patient with all my questions, and gave me the support and guidance to make my home buying process a very pleasant one. Their attention to customer service was incredible, always making me feel as if I was their only customer! Thank you Clear Lending for a wonderful home buying experience!
Joan Gallardo and his team are an exceptional group who are devoted to helping others realize their goal of home ownership. Compassionate and conscientious business people are a rare find. As first time home buyer and new to Texas I had no map of the territory. Joan was a reassuring presence through the entire experience and I will always remember and endorse his company for excellence.
After being denied by my credit union for a VA loan I search for someone local in the Houston area. I'm glad I found Joan, Jaqui and the whole team. They good people will take care of you never rush you in the process always guide you trough the whole process from getting a mortgage searching for a house to closing on the house. After four months of searching I'm a first time home buyer and the whole process was smooth even though I was outside of Houston, thanks to Joan and the team.
