Ayata at Clear Mortgage Capital handled my unique situation with care and timeliness. Choose Ayata for quick closing and quality service.

Having recently purchased my first home in the ridiculously competitive Bay Area housing market. I am so very grateful to have had Ayata as my mortgage broker during this transaction. I don't think I would've been able to purchase in this market at this particular time without her expertise, shared-knowledge, coaching, and overall diligence. Throughout the experience she made it more of a priority to educate and advise me and placed very little emphasis on "selling" her broker services. This made my decision to work exclusively with her a very easy choice. I would recommend Ayata to any of friends, family, or colleagues. read more

Ayata has helped us refinance our house in North Berkeley twice. She combined very professional service with a friendly demeanor that made the entire experience a pleasure. While the interest rate on our mortgage is now so low (thanks Ayata) that we will probably never use her again, I would recommend her to anyone who needs a mortgage. However, even though she made no money, Ayata recently referred us to another person who set us up with a great Home Equity Line of Credit. Nothing but praise for Ayata. read more

Ayata is the best! In person or virtually she always finds the great rates and is available to help all the way through the process. We have worked with her several times now and would work with her again! read more

Ayata is an excellent real estate broker, I loved the fact that we cross path because my fiancé and I had been looking to purchase our first home for the past year and it didn't happen until we met Ayata. She was very responsive and willing to take her time to re-explain things over and over again because I had so many questions. The process went very smoothly and we definitely want to keep in touch with Ayata for refinancing and possibly purchasing a second home down the road! I can't ask for a better broker as she is the best that we've met!! We would totally recommend her!! read more

Ayata is a pleasure to work with. She will go above and beyond for her clients. I would definitely recommend her services as a loan agent.

Ayata assisted me with my resent refinance and the process was smooth. Her attention to details and quick response when I had questions was awesome. I will definitely use her again and will always recommend her services. read more

Ayata provided outstanding service throughout our refinance and we are very pleased with our new mortgage and interest rate. The entire process was completed remotely. Ayata patiently coached us on what documents needed to be submitted. We were able to scan them or send them through a phone app, which was very convenient. I highly recommend working with Ayata for your mortgage needs. read more

I loved working with Ayata. She helped me with my mortgage application and getting my finances in order for my first home purchase. It is a daunting, drawn out task, but she wants very responsive, friendly, and helpful throughout the entire process. I would recommend her help if you're trying to navigate the hectic bay area market! read more

Ayata helped me refinance my home this year and it was about as pleasant as taking out a mortgage loan could be. She said that she was my partner in this effort and it truly felt like it throughout the entire process. When I was just shopping around for a new lender she answered all of my questions thoughtfully and thoroughly, and if there was something she couldn't answer she told me exactly why (e.g. compliance issues). I always felt like she was giving me all the information she could in a way I could understand. There was the option the e-sign papers so that was very convenient but when I wanted to read through documents in person Ayata met me at her office after hours and went over each document with me until I felt comfortable signing. Overall Ayata is your partner in refinancing your mortgage. read more

I am very grateful with Ayata. She saved a transaction for us. It was a condo in Union City where the buyer had been denied because of the percentage of owner occupancy versus non-owners did not comply FNMA guidelines. She quickly found a lender that would accept the current conditions and was able to close within 21 days. This is really a record for such a difficult scenario. She not only dealt with the time pressure but communicated with all parties very efficiently. I highly recommend Ayata for any of your mortgage loan needs. She is awesome to work with. read more

Ayata is the BEST you can find. As a first time home buyer in one of the most challenging and competitive markets I was able to accomplish what I always thought was the impossible. She not only faught for me, but she leaned on her relationships within the industry to make sure I got the most perfect little home. She is patient, kind and trustworthy of your most private of information. She not only stepped up to the challenge of helping me, but she showed up in every way possible. She was there on a Sunday when we put in our first offer and was able to guide us through many counter offers later. She made me feel confident that I could do this and she never left my side. She knows her products well and has a great team behind her. Between her and my agent, there was no stopping us. A dream come true! Thank you Ayata & Guerenteed Rate I am now a PROUD homeowner in Oakland! read more

I'm a real estate agent and have worked with Ayata on a number of deals. I cannot adequately express how good she is on all fronts. Communication, integrity, market knowledge, and experience combined with a healthy dose of common sense and empathy make every transaction with Ayata--no matter how difficult--as pleasant an experience getting a loan can possibly be. read more

Ayata is the perfect lender. Not only was she able to get my client financed when no one else could, she got her a great interest rate, kept all parties informed, and closed quickly before the holidays. My client was able to move into her home before Christmas. She made my whole team look AMAZING! And most importantly my client was very happy. She's the best hands down for all my clients. read more

I want to thank Ms Ayata Colbert, for a service that was beyond expectation. I am a first time home buyer and felt I would face a lot of challenges with the process, after speaking with Ms Colbert I had a sense that I was in good hands. She kept me updated with the progress of my loan, she responded in a timely manner, and she brought clarity and reassurance to the whole process. I am Blessed to be one of her clients, and look forward to further business with her. Thank You for your exemplary service. read more

Ayata is the true definition of " Wonder Woman". This has been a 2 year journey and I have worked with 5 lenders. I finally spoke with my realtor about the roadblocks I was experiencing and shortly after I received a call from Ayata who was extremely devoted to helping me reach my goal. At times when I started to feel discourage she kept me encourage. Ayata didn't make me feel like another client, but more so a friend and even my big sister. Thank you Ayata for all the time and effort you spent making not only my dream come true, but for my daughter to have a place to call home! I recommend Ayata to all first time home buyers. read more

It was great working with Ayata. Buying my place in Oakland was so much more complicated than buying my home in Philly, but Ayata helped every step of the way, including helping me navigate a rather unexpected credit situation. She was super responsive the entire time, including after work hours. And it says a lot to me that she showed up for the closing appointment--she totally didn't need to do that! read more

There are some many wonderful words i can use to describe Ayata but i will start with compassionate and relentless! I brought her a client that had been denied a loan through Union Bank -- Ayata and her team worked tirelessly to make sure this deal closed! I was so emotional tied to this family as the mother had rented the house for almost 30 years and her son was 150% committed to purchase and it seemed unfair for this family to have to move. We experienced challenge after challenge--- but we closed the deal. A huge thank you to Ayata and her team! I am forever grateful and will be sending more clients your way! read more

Ayata helped us buy condo and house in west oakland. She was very professional and always available.,sometimes late at night. She talked us through the whole process. She seems very experienced Would highly recommend her. read more

I recently worked with Ayata Colbert and purchased my first home. She was very professional, pleasant and easy to get in contact with. She was able to explain everything in every step of the process and made this a great experience. I highly recommend her. read more

Ayayta Colbert was God sent. I was in contract with a seller( I'm a first time homebuyer) and my original loan officer sold me a fake dream and wasn't able to come through on what he said he would be able to do. So my real estate agent got me in contact with Ayayta Colbert and the rest is history. She was able to get me the loan I needed in a very short period of time, and was very straight forward with the process and what to expect. As long as she does home loans I will always back her name so if your looking for a home loan she is the very best. read more

My husband and I just purchased our first home together thanks to the tenacious efforts of Ayata Colbert. Ayata worked swiftly and methodically together with her team to find the right loan and qualify us for a home loan that we could afford and that positioned us in presenting an offer that the sellers would accept, while also ensuring that everything closed on schedule. She was like a theater production manager making sure everything came together properly with full attention and care for her client. Thank you Ayata!!! read more

Our family is so thankful to have had Ayata as our mortgage broker during our home buying process. This is our first home and we were prepared but extremely anxious. She was patient, professional, and thorough which helped us tremendously. When I started to panic, Ayata remained calm and continued to walk us through the process. Her assistant Deona was also incredible in keeping us on track with supplying our documentation. Every step of the way was made easier because Ayata was very hands on. We ended up getting a great deal and our interest rate is superior! We are over the moon. Home ownership is a possibility for everyone when people like Ayata give you the blueprint to find the loan product that meets your budget. We went from home loan approval to home ownership in three months! Dreams do come true. read more

Ayata and I just closed another deal together - for repeat clients, which says a lot about Ayata and the way she works. She is responsive, knowledgable, and professional. I wold gladly recommend Ayata for anyone who wants great mortgage broker who is a problem solver and not only will get the job done, but will be nice to work with all the while. read more

It was a pleasure working with Ms. Colbert and the staff at Holmgren & Associates in securing my refinance. She was positively excellent! Her expertise and professionalism came across as personable and caring which made all the difference in the world. She shopped the best options to fit my need and allowed me to make my decision without any pressure. She returned my numerous emails and calls with thorough and clear explanations making me feel she always had my best interest at heart. Even after closing she assured me she would continue to monitor and keep me abreast of new opportunities as well as provide guidance in evaluating future solicitations. When dealing with an enormous decision it is best to deal with someone you can trust and Ms. Colbert is someone I will definitely recommend to family and friends!! I will not hesitate to use her for future endeavors. read more

We have purchased a few homes and dealt with a number of mortgage brokers over the years and Ayata is heads above the rest. She is very professional and has excellent followup. She's very proactive by thinking beyond the current situation and prepares you for what might be. She doesn't miss a step. If it can be done Ayata can do it. I won't hesitate to refer her to family, friends or anyone who needs a great mortgage broker. read more

I worked with Ayata to fund the purchase of my first home and she is great! She is professional, knowledgeable, and really walked me through this very stressful process. I really couldn't ask for somebody better. I really appreciate her quick response to all of my questions and needs. I strongly recommend Ayata! read more

Ayata has been my gateway to home ownership since 2011. She was willing to work with my wife and me on our first home when other lender's didn't return our calls. Now 4 years later she has processed our refinance and also purchase of a second property. Ayata has been nothing but professional and a pleasure to work with. She is responsive and has your best interests at heart. I will absolutely work with Ayata for my future financing needs. read more

We have worked with Ayata on two occasions to refinance our home. She is proactive and always looks to get us the best deal possible. She is patient and takes time to explaine each step so that we feel completely secure and confident in the process. Thank you for all your support. read more

When my wife and I were looking to buy in Oakland, Ayata came highly recommended by our agent. Ayata was quick to pre-approve our loan and during our escrow, was attentive and responsive to our needs. We closed in less than 30 days! Ayata was great and I would recommend her for anyone seeking a mortgage in the Bay Area. Thanks Ayata! read more