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
There's no greater reward than to make a positive difference in someone's life.
Below please find unbiased reviews from our clients' personal experiences from application to closing revealing how Clear Lending helped accomplish their dreams working together as a team towards their goal.
Thank you so much Joan for helping me get approved and close on my beautiful house after being denied by AMCAP and CORNERSTONE over silly stuff. I signed a contract with Stormi Harris from NEWMARK homes and she pretty much requested me to get approved with their preferred lenders. First, I went to AMCAP and later I was sent to CORNERSTONE. Both first approved me but after waiting and a second review or something like that denied me for not having 2-year employment history with same employer and for a couple of silly old issues on credit. At that point, I had given NEWMARK homes over $13,000 which sometimes as per all communications I felt builder I was not going to get back if I didn’t get approved. Then I after searching on google for local lenders I was lucky enough to find Clear Lending and after sending an approval request I got a call from Broker Joan Gallardo. I advised him about the urgency and after I sent him my documents requested he gave me peace of mind by telling me I had 90% chance of being able to close. Joan was so clear and precise with what to expect I felt I was on the right place. After few conditions we had to clear I got the good news I was Clear-To-Close. I am so thankful I want everyone to know this guy rocks and if you are buying a brand new house maybe you want to avoid builder lenders if you don’t have everything perfect. Loan Officers will tell you everything is ok but as I lived it I can see they had no idea what underwriting may come back with after waiting and waiting for an approval. Soo scary!!!! Thanks Clear Lending for saving me from a huge loss and helping realize my dreams. I will refer you all my friends or whoever ask me if I know a good lender!!!
Good afternoon Joan, thank you so much for all your hard work and patience during this journey. I know it was not easy but we made it. I hope God continues to use you to help make other people's dreams come true. You and your team have been a blessing to my family. Have a Merry Christmas and a most wonderful and prosperous New Year!!!!! Once again, Thank you and Best Regards Carolyn De Leon
Thanks Joan for you amazing work with our home loan. I still can’t believe I purchased a house for $174,000 and went to closing with $769 besides my $1000 earnest money deposit. I submitted an application online on 10/5/2016 after I read online about VA Programs Clear Lending offered. Next day Joan Gallardo called me and after his applications dept. completed an Pre-Approval, he told me from the start not to worry that he would be able to take care of me. And boy he did! He even negotiated on behalf of my agent with listing agent getting me a large seller contribution. This guy is very knowledgeable and I truly recommend him. Joan my wife and I cannot thank you enough all hard work you have done and no need to say I will refer you my friends. Actually I already sent you my boss. Take good care of Jorge! Thanks Joan.
Thank you so much Joan for all the hard work you put into getting me and my family our mortgage approval.
Joan, you are the man with miracle hands! I have really been enjoying my new home. It was a long time coming and it happened right on time. Thanks to you, this whole process was phenomenal. The closing went smooth with no problems. I appreciate the professionalism, the hard work, and the late hours. I would highly recommend your services. Again, thank for everything!
It was great to have Clear Lending support to achieve my objectives. My Family and I contacted Clear Lending from Indonesia for primary home mortgage. All the process was completed remotely by email and Whatsapp. Upon getting the credit approval, we chose our new home and closed the purchase successfully and timely. My Family and I are very lucky to count on you and we wish to thank you for a fantastic services and for your guidance and advise.
