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VA Loan Program:

The best financing benefits and easiest access to housing for our Heroes

U.S. Department of Veterans Affairs

VA Mortgage loans can be guaranteed with no money down and there is no private mortgage insurance requirement. An exclusive benefit for active-duty military personnel, veterans and their families.

 

Our number one mortgage loan program and our highest dedication are owed to America’s Heroes. Our Veterans and Military Active-Duty Personnel residing in Texas receive red carpet treatment thru our standard VA Loan Programs, VA JUMBO Loan Programs, and our custom VA Mortgage Loans for bad credit.

Clear Lending is in contact with the Houston Regional Loan Center from the Department of Veteran Affairs receiving updated guidelines affecting the insurability and thus the approval of all VA mortgage loan programs.

Our VA mortgage loan programs allow us to secure financing starting with 500+ credit scores as well as assist in the search of the perfect house. However, one of the main requirements from our applicants’ credit reports history is that none of the agencies whether Experian, Transunion or Equifax report late payments over 30 days within the last 12 months. On a case-by-case basis, we may be able to still approve loans regardless of late payments within the last 12 months as long as the borrower can document specific reasons other than financial mismanagement.

For those applicants with credit challenges such as unpaid collection accounts, old unpaid debts or home loan foreclosure (or deed-in-lieu of foreclosure) in an applicant’s or spouse’s credit history does not in itself disqualify the loan. Please let us analyze your credit in-depth and work your options even if a major bank or financial institution has denied your loan.

At Clear Lending, we are proud of having served hundreds of VA loans as well as negotiated the purchase transaction details helping VA applicants’ close homes with very little or no closing costs. For instance, a recent close of a 3,000+ sq. ft. and 10-acre lot property required a VA Jumbo Loan of over $453,100 (update - For 2019 limit is $484,350) and only required $3,350 at closing. This is one of the reasons why Clear Lending is one of the leading VA lenders in Texas with the best interest rates specializing in VA loans for bad credit.

We help veterans obtain the Certificate of Eligibility (COE) which is the only reliable Proof of Eligibility to be able to close the loan. Although eligible for the home loan benefit, veterans must still qualify based on income and credit before loan approval is granted. The great news is the debt to income ratios can go to 60% if other conditions apply.

Furthermore, if you have student loans and its repayments are deferred for a period over 12+ months don’t need to be considered in the analysis for qualification giving greater flexibility and chances for approval. Don't worry and let us analyze your loan options.

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Features and Benefits: 

• 10, 15, 20, 25 or 30-year fixed-rate mortgage.
• 3- or 5-year adjustable-rate mortgage.
• No down payment per VA county limit.
• Seller assistance may be possible to even 4% of sales price.
• Low minimum credit score of 500.
• Cash-out refinances available.

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Eligible Properties:

• 1- to 4-unit property.
• PUDs.
• Condominiums.
• Manufactured homes (refinances of currently serviced loans only).

Grab the Opportunity to Use VA Loan Programs in Houston

Whether you are considering purchasing or refinancing an existing VA mortgage loan, 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 regarding VA loan programs in Houston.

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.

Customers Reviews:

  • Michael Estrada • July 31, 2017

    Joan with Clear Lending is direct, honest and very helpful. We were very lucky to have him. He is very easy to communicate with. He gives you a clear view of your loan situation and then he helps and guides you in each and every step. Ours was not an easy transaction but he was there guiding us the whole time. We got our loan but even if it didn't go our way, I would gladly use him again and very proudly recommend him to anyone.

  • Debra Goss • July 09, 2017

    Definitely would recommend this company to anyone trying to get a home. Joan with Clear lending really helped us to close on a home after previous attempts to get a home prior did not go work out. They really worked with our situation and made it possible for us to get our first home. He took the time to answer all our questions and concerns. He was also honest and sincere in his feedback. And For that my husband and I are forever grateful! We were losing hope thinking we wouldn't be able to ever get approved, but clear lending gave us hope again. Thank you clear lending for all your help and making it possible for us to get our first home!!!

  • Rosa Iraheta • March 28, 2018

    Joan has help many of my clients to get their loans, he is very professionals and helpful, and always available for any questions that me or my clients had during the loan process. One of my client was in DACA program and Joan help him to get his loan. I will recommend Joan and his team . Thanks you

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