Our Company

Clear Lending is a residential and commercial real estate lending services company dedicated to maintaining the highest ethical standards to its customers, agencies, and lenders and most definitely committed to customer satisfaction serving only the state of Texas.

Approved with many of the nation´s most aggressive lenders, we are able to deliver any program available in today´s marketplace for the state of Texas. Clear Lending will match the customer´s needs with a package based upon the many criteria involved in the underwriting process.

The delivery of our products and services is unsurpassed in the residential lending industry. We are committed to building long-term relationships. By choosing a lender that ensures the smoothest possible process from application to closing, it allows us to be the "clearest" source to all residential and/or commercial financing needs.

Clear Lending is licensed by the Texas Department of Savings and Mortgage Lending (Texas - SML) and registered with the Nationwide Mortgage Licensing System (NMLS).

Texas SML is an agency of the State of Texas and subject to the oversight and under the jurisdiction of the Finance Commission of Texas.

NMLS is the system of record for non-depository, financial services licensing or registration for participating state agencies. Also the system of record for the registration of depositories, subsidiaries of depositories, and Mortgage Loan Officers under the Consumer Financial Protection Bureau´s Regulation G (S.A.F.E. Mortgage Licensing Act - Federal Registration of Residential Mortgage Loan Originators), published December 19, 2011. 

NMLS was created by the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR)1 State Regulatory Registry LLC (SRR)2 and began operations in January 2008. It is owned and operated by the State a wholly-owned subsidiary of CSBS.

1 AARMR is the national organization representing state residential mortgage regulators. AARMR's mission is to promote the exchange of information between and among the executives and employees of the various states who are charged with responsibility for the administration and regulation of residential mortgage lending, servicing and brokering.

2 SRR is a nonprofit subsidiary of the Conference of State Bank Supervisors (CSBS) that operates NMLS on behalf of state financial services regulatory agencies.

Licenses:
Joan Gallardo - NMLS 367858 - 7324 Southwest Freeway Suite 292, Houston, TX 77074
Clear Lending Corp- NMLS 922703 - 7324 Southwest Freeway Suite 292, Houston, TX 77074
SecureMortgageCompany - NMLS 70160 - 825 Town and Country Ln, Suite 1200 #17, Houston, TX 77024
Mortgage Brokerage Company License - Texas SML