Business Details
8 Years
experience
Emergency
services
Your Trusted Mortgage Partner in Hallandale, FL
Clear 2 Close Home Loans was founded in 2018 by industry veteran Michael Ninomiya, leveraging 16 years of mortgage expertise and advanced technology to revolutionize the home loan process. Our team of seasoned professionals utilizes cloud-based systems and virtual platforms to streamline applications, reduce costs, and deliver competitive rates across residential, commercial, and investment loan products. With a focus on speed and efficiency, we consistently achieve 21-day closing timelines while maintaining personalized service through multilingual support and 24/7 client communication. Licensed in Florida and operating in eight states, our company combines Wall Street insights with local market knowledge to provide tailored solutions for first-time buyers, investors, and foreign nationals.Our proprietary online platform enables real-time document submission and pre-approval within 30 minutes, while our Gold Standard Pricing ensures transparent rates for all credit profiles. Backed by 145 five-star Google reviews, we prioritize client education and long-term relationships, evidenced by our 95% repeat customer rate and industry-leading 10-day closing record for urgent transactions.
Services
Residential Loans
Commercial Loans
Refinancing
New Construction Loans
Online Mortgage Application
Details
- Year established: 2018
Highlights and features
- We offer 16 years of mortgage industry expertise with Wall Street origins
- Our virtual platform enables 30-minute pre-approvals and 21-day closings
- Multilingual support (English, Spanish, Portuguese) for diverse clients
- Gold Standard Pricing ensures competitive rates for all credit profiles
- 95% client retention rate from exceptional service and 10-day emergency closings
What people say
Fantastic service
Stress-free process
Quick closings
Professional staff
Multilingual support
Services
Residential Loans
We specialize in residential mortgage solutions for primary residences and second homes. Our streamlined process delivers competitive rates through digital verification, with personalized guidance from experienced loan officers. Clients benefit from 24/7 support and multilingual services in English, Spanish, and Portuguese. Our 21-day average closing time ensures quick access to funds while maintaining compliance and transparency.
Commercial Loans
Our commercial lending division provides financing for office spaces, retail properties, and industrial facilities. We offer tailored terms for investors and business owners, with expedited underwriting for qualified applicants. The virtual platform supports complex documentation while maintaining security and compliance. Our team has arranged over $500 million in commercial financing since 2018.
Refinancing
We help homeowners reduce monthly payments through rate-and-term refinancing and cash-out options. Our digital tools analyze current market conditions to optimize savings, with specialists handling VA, FHA, and conventional loan conversions. Clients receive personalized break-even analyses and closing cost comparisons to make informed decisions.
New Construction Loans
Our construction loan program funds custom home builds and development projects. We coordinate with contractors and title companies to release funds at each building stage, with interest-only payments during construction. The process includes budget verification and contingency planning to ensure project completion within financial parameters.
Online Mortgage Application
Our secure online platform enables 24/7 loan applications with real-time document upload from financial institutions. The system provides status updates and automated reminders while maintaining encryption standards. Loan officers are available via chat or video conference for document review and clarification throughout the process.
People
Michael Ninomiya
President & Founder
With 16 years in mortgage banking, Michael founded Clear 2 Close after leading teams at Wells Fargo and VanDyk Mortgage. He developed the company's proprietary technology platform that reduces closing times by 30% compared to industry averages.
Paola Hernandez
CFO & Owner
Paola oversees financial operations with 12 years of mortgage industry experience. She manages risk assessment and capital allocation for the company's $200 million annual loan volume, ensuring competitive pricing while maintaining compliance.
Barry Hochberg
Senior Loan Officer
Barry has closed over $100 million in residential loans since 2018. He specializes in complex transactions requiring rapid processing, including the company's record 10-day closing for a Florida home purchase.
Rob Hamilton
Loan Officer
Based in Columbus, Ohio, Rob focuses on first-time homebuyers and credit rehabilitation cases. He has maintained a 98% client satisfaction rate through personalized financial counseling and transparent communication.
Tiago Quinamo
Branch Manager
Tiago leads the Orlando team with expertise in foreign national loans. He has facilitated over 200 international transactions, developing specialized documentation protocols that comply with both US and overseas regulations.
Questions
What loan types does Clear 2 Close offer?
We provide residential mortgages, commercial loans, investment property financing, new construction loans, and foreign national loans with tailored solutions for each client's needs.
How does the online application process work?
Our secure platform allows document upload from banks and financial institutions, with real-time status tracking and loan officer support throughout the 30-minute pre-approval process.
What is your typical closing timeline?
We average 21-day closings, with emergency processing available for qualified applicants needing completion in as little as 10 days through our accelerated verification system.
Do you work with clients having non-traditional credit profiles?
Yes, our Gold Standard Pricing offers competitive rates for all credit scores, with specialized programs for clients needing credit rehabilitation or alternative documentation.
Which states do you currently serve?
We operate in Florida, Georgia, Tennessee, Ohio, South Carolina, North Carolina, and Texas, with expansion plans to additional states in the coming year.
