Business Details
Your Trusted Mortgage Partner in Irvine, CA
Clear Mortgage Capital is a brokerage dedicated to transforming the home-buying experience through exceptional speed, savings, and service. Founded on core values of transparency, excellence, agility, integrity, and teamwork, we specialize in digital mortgage solutions that simplify the loan process for homeowners and refinancers. Our team of seasoned loan officers combines expertise with a client-first approach, leveraging relationships with top lenders to secure competitive rates.With over 11,200 home loans completed and $4.1 billion in total funding, we prioritize fast turnaround times, end-to-end encryption for secure document sharing, and a paperless process tailored to modern needs. Recognized for our digital innovation, we serve clients across California and beyond, offering personalized guidance to meet diverse financial goals.
Services
Mortgage Loans
Refinancing
Digital Applications
Rate Matching
Secure Document Handling
Highlights and features
- We offer a fully digital mortgage process with fast turnaround times.
- Our team provides tailored loan options to minimize your costs.
- We ensure transparency with no hidden fees or legal hassles.
- Our end-to-end encrypted platform secures your sensitive documents.
- We are backed by top lenders to deliver competitive mortgage rates.
Associations and certifications
- NMLS
What people say
Amazing rate
Smooth process
Professional expertise
Great rate
Accessible support
Services
Mortgage Loans
We provide tailored mortgage solutions for home purchases, leveraging relationships with top lenders to secure competitive rates. Our digital platform streamlines applications, ensuring fast approvals and transparent terms for first-time buyers and seasoned homeowners.
Refinancing
Our refinancing services help clients reduce monthly payments or adjust loan terms through a simplified digital process. With expert guidance, we identify cost-saving opportunities and handle documentation securely to ensure a seamless transition.
Digital Applications
Our fully digital mortgage application takes five minutes to start, eliminating paperwork and in-person visits. Clients benefit from encrypted data security, instant status updates, and 24/7 access to their loan officer via chat or phone.
Rate Matching
If you find a lower rate elsewhere, well match it (subject to restrictions). This policy ensures clients receive the most competitive offers while maintaining personalized service and rapid underwriting.
Secure Document Handling
We protect sensitive information using end-to-end encryption during document submission and storage. Clients upload tax returns, pay stubs, and IDs securely, with real-time tracking and automated verification to accelerate loan approval.
People
Nathan Kowarsky
CEO
Nathan leads Clear Mortgage Capital with a focus on digital innovation and client satisfaction. With decades of industry experience, he has streamlined mortgage processes to deliver faster closings and transparent service.
Christopher Sauser
Mortgage Loan Officer
Christopher specializes in personalized mortgage solutions, guiding clients through purchases and refinances. His expertise in digital lending ensures efficient transactions and tailored rate options for diverse financial situations.
Chuck La Flair
AVP, Branch Manager
Chuck oversees branch operations with a focus on client education and loan process optimization. His leadership ensures consistent delivery of competitive rates and seamless digital mortgage experiences.
Dustin Andersen
AVP, Branch Manager
Dustin manages loan origination teams, emphasizing compliance and customer-centric service. His strategic oversight helps maintain Clear Mortgage Capitals reputation for fast, transparent mortgage solutions.
Jason Vieira
Mortgage Loan Officer
Jason specializes in first-time homebuyer programs and refinancing strategies. He leverages digital tools to simplify complex loan processes, ensuring clients understand every step of their mortgage journey.
Questions
Why should I use Clear Mortgage Capital for my home loan?
Our team offers digital convenience, competitive rates, and personalized service with a 963-review 5-star rating. We streamline mortgages through secure, paperless processes.
Do you require a minimum credit score for a loan?
We require a minimum credit score of 500 for purchase/refinance and 550 for cash-out refinances.
Is there a fee to apply for a home loan?
No application fees. Our process includes free rate quotes and personalized consultations.
How are you able to offer low mortgage rates?
Our digital platform reduces overhead costs, allowing us to pass savings to clients through competitive rates.
Do you offer a rate match policy?
Yes, we match lower rates found elsewhere with certain restrictions.
