Steve Lopez at Clear Mortgage Capital caught my attention because he advertises lower rates. Unfortunately, that turned out to be misleading, as there was no follow-through once I actually engaged him. After I sent him my financial documents to get pre-qualified for a property I was submitting an offer on, he stopped responding. I followed up multiple times by email, text, and phone. When he did respond, he repeatedly said he would call me back, but he never did -- this happened twice. Because of this lack of follow-through, I lost the opportunity to move forward on a triplex I was trying to purchase. He only reached out again after I contacted one of his colleagues. When I later called him back, he again said he would call me in a few minutes and never did. At that point, I stopped reaching out because none of his promises were kept. This experience was extremely frustrating and unprofessional, and it cost me a real opportunity to purchase a property. I will not be using this lender for any future transactions. read more

I cant say enough good about Steve Lopez. I had been spending well over a month trying to get a refi through a bank when I gave up and responded to one of Steve's texts. I thought the emojis were quite cute and Steve was persistent but not annoying. He answered me immediately and the refi through him and his team went seamlessly and quicker than I could have imagined. He came through with everything he promised and more. He is also tall dark handsome and debonair (ok he asked me to say that). Seriously, I would highly recommend Steve Lopez! read more

Although we ended up choosing another lender for our refinance I had to write this review! I emailed James and spoke to him over the phone a couple times during our refi process. In short, I felt like I was talking to an old friend. He was clear, patient, easy to talk to and incredibly helpful through the process. For any future loans he will be the first person I will call. Thank you James - you are sincerely appreciated! read more

Dear Clear Mortgage Team, I am writing to express my heartfelt appreciation for the exceptional service I received from your team. Your commitment to doing what's best for clients is evident in every aspect of your business. Johnny Lee, VP of Sales, embodied your philosophy and the promise you make to clients. His compassion, expertise, and follow-through were impressive. He coordinated a top-notch team to assist me throughout the loan process, making the experience seamless and efficient. Thank you for your honesty, ethics, and dedication to excellence. I am thrilled to give you a 5.0 rating to add to your 4.9 overall rating from your previous customers. Sincerely, Godwin Higa Human Relations Commissioner, San Diego, 8 years The Gang Prevention and Intervention Commissioner is currently appointed by the Mayor of San Diego. read more

Working with Luis Rabago was one of the most frustrating experiences I've had. The process was full of delays and unnecessary extensions caused by lack of attention to detail, transparency and poor communication. Instead of making things smoother, Luis made the entire transaction far more stressful than it needed to be. I would not recommend this broker if you want someone reliable, responsive, and capable of handling the process with professionalism. read more

Jaime Lara is absolutely beyond amazing! He went above and beyond. He is highly recommended! He made a new, first time home buying experience easier and puts you at ease. I can't say there weren't any hiccups or bumps in the road but he was very empathetic and moved the process along where needed. He addressed any outstanding issues and was very timely on problem solving. I would definitely use him again and recommend him to everyone! read more

Isn't it obvious from their deliberately deceptive mailings that one should NOT have anything to do with this unethical business? - The front of the envelope says "Applicant(s):" and then your name and address. I have never heard of nor applied for a mortgage from this business. - The envelope itself has perforations on three sides akin to a W2 or important financial communication. This solicitation is neither. Lastly, there are instructions in the mailer to contact DMAchoice.org to opt out of prescreened offers by *paying a fee*. It is a violation of CCPA to (a) buy personal data in bulk from title companies and then abuse the personal data to send deceptive mailers to our addresses without our consent, and (b) charge consumers to exercise their right to opt-out. read more

We recently closed our very first mortgage refinance with the brilliant support of Loan Officer, Nadia Farkas. We had no idea the type of predatory behavior that lenders are capable of when trying to pass off a "good deal" with their rate offerings, points, etc. on the Loan Estimate. We were very fortunate that we found Nadia during our search. She was able to help us understand all of our questions, and she was able to beat the other loan estimates substantially. Nadia is very knowledgeable, responds promptly, and sticks with your loan from start to finish -- she's the only point of contact -- no getting passed off to loan processors or administrative staff. We highly recommend her for your next purchase or refinance loan. read more

Alex Kim is a loan officer rockstar (NMLS 1882351). I worked with him to help refinance two family members' mortgages. Not only did Alex have the best rates by a mile, his closing costs were rock bottom, and his service was sterling. He communicated quickly to all my questions and concerns. The process was smooth, and even with some small bumps on the road, Alex was quick to help resolve them. This is the guy you want working for you. read more

Mark Berman at Clear Mortgage Capital was extremely wonderful to work with. He was very knowledgeable, friendly, attentive and most importantly, accessible/available. I hope this helps get the proper recognition he deserves and has definitely earned. Not only was he upfront with all options (which was refreshing), he also took his time to explain them to me. I received a really great rate and the time it took to close was even sooner than expected, with no unexpected surprises/costs. Thank you Mark and thank you Clear Mortgage Capital! I will definitely recommend you guys to friends and family. This process could not have gone any better. read more

I just completed a refinance with Brian, and it was about as painless as this process can be. Paperwork was accurate and completed promptly, despite the large number of people getting refinances right now. Rates were very competitive and reduced by 0.25% while we were going through the process. Brian was proactive in letting us know about the improved rates, and gave us good advice about not locking under current loan market conditions. Overall, a great experience! read more

Nathan and his team were amazing! Bought my place back in December of 2018. We found a place that was going up for sale. With the help from Nathan, we were able to get it all settled and completed very quickly. The real estate agent from the seller side told us after the sale that he was skeptical about doing business with us because he was worried about our lender. Since we were first time buyers, he thought we would have gotten some random lender that would cause delays. The seller needed to close ASAP to move to Texas. Once the selling agent met with Nathan over the phone, he said he was blown away with how professional and knowledgeable Nathan was. That definitely goes a long way in my book. Thanks again, E Mortgage Capital! We are VERY HAPPY with the purchase and wouldn't have done it any other way. read more

We are so happy we found this company. We were able to refinance our home within just a few months and lower our mortgage payment. There was a bump in the road and we thought for a moment we wouldn't be able to close. But Sarabeth, Eric, and Regina all found a way to make it happen. We would definitly use this company again. It was simple, easy, and like another reviewer commented...it was like "dealing with a friend". read more

We had a great experience using Clear Mortgage Capital for our recent refinance. Giselle, our Loan Processor was the icing on the cake, very professional and extremely communicative. She was always available to answer my husbands questions and he had many. Shout out to Ryan as well, who also was very communicative. This level of customer services by this duo made our experience effortless. This team stepped up to help us out when other lenders looked away. We appreciate you both for your dedication to our loan, quick response and professionalism. read more

The simplest most efficient friendiest mortgage person ive ever used And i got the best rate out of all the other companies i had talked to without paying points Easy no hassle mortgages!!!! I highly recommend these guys They are top notch!!! read more

I had an amazing experience working with Ryan and Serena at Clear Mortgage Capital, Inc. This is my second (or third?) time working with their team and they have always been prompt in their responses/follow ups, transparent with information, honest and have watched out for my best interest on every instance. I highly recommend working with their team and have recommended Clear Mortgage Capital, Inc. to all of my neighbors and friends alike. Thank you for your hard work! read more

This mortgage company has been by far the WORST mortgage company I have EVER worked with. This had been my 4th time in the last 6 years in obtaining a loan/refinancing my condo and I was appalled with the lack of professionalism, attention to details and responsiveness. I initially found this company through the LendingTree.com website when I entered my information to be contacted by mortgage companies. James Kang reached out to me via email and text to obtain my business and at first, I thought, wow, this guy is so responsive. He gave me the answers I was looking for so, I decided to move forward with him on a 30 year fixed loan. I even made a deal that if he can match the going deal right now without a lot of back and forth, that I'd also refer my brother to refinance with him as well. So we ended up working together. However, as soon as he got our business things turned for the worst. It just seemed like he didn't care anymore and stopped initiating getting the deal done in a timely manner. The loan start to finish took about a month when he had all my paperwork in the FIRST 24 hours. Keep in mind my last refinance in January, took 10 days to close. His processor, Aya, seemed spacey because she would ask me for documents/information I already provided her such as the contact name and number to verify employment and my most recent pay stub. It was extremely frustrating. The absolute WORST part I had to deal was when James would continue to ask me to sign all the closing disclosures that NEVER had the correct numbers. I told him that I want a ZERO cost loan. James would always tell me to "just sign them" so it would start the "timer" to get my loan documents sooner and he'd review them and adjust for lender credits before I get the final loan docs. I mean who does this? Then all of a sudden, I have a notary at my house with an escrow statement that DOESN'T MATCH the closing disclosure. If this is not shady, I don't know what is. He got my LOAN AMOUNT incorrect AND thought I wanted to pay my title recording fee. What part of a zero cost loan didn't he not understand? I always said that I wanted the loan amount to be the principal balance only and I would pay for any interest and reconveyance fee at time of closing. Nope, he built that into the loan amount. He even had the audacity then to use foul language on the phone with me when I said I was going to walk away because I felt this was shady. Later, he called back and said he'll cover the title fee and I asked him to put that in writing. He then later stated, "what, you think that will be legally binding?" I mean that is just despicable. Long story short, I ended up signing because we came so far in the process and didn't want another ding on my credit report. But when I emailed him about the status of my loan a week after my loan was supposed to close, he asked if "I was mad?" Yes, I'm mad because why am I reaching out to you to find out if my loan is closed. They just didn't care. Last but not least, almost 2.5 weeks after my loan has closed, I have not received a final closing package from their escrow company, Prime Service Escrow in Buena Park. I had to call to ask about it and the refund I thought I was about to get back since I fluffed it up by a tiny amount per the notary public's recommendation they said that there is no refund due. Another shady plot at this point, I'm just so over it and MAD! read more

I personally worked with Sergio Becerra for my loan. Everyone knows that getting or refinancing a loan can be tedious and stressful, however working with Sergio proved otherwise. Sergio's expertise and professionalism are commendable. From day one, he made himself available for any questions or concerns I had. I appreciated how quickly Sergio responded to my emails and calls regardless of the time or which day of the week it was. Sergio's financial proficiency and expertise made me feel comfortable knowing that he got the lowest and best rate for my loan! If you're reading this and in need of a loan I highly recommend that you contact Sergio Becerra. read more

I just completed refinancing with Clear Mortgage Capital and highly recommend them. My neighbor used Clear Mortgage Capital and recommended them so I called. The whole process went well and I was able to get a very low rate. I want to acknowledge Htet Maung. She worked hard, answered my questions and when a last minute glitch happened, she escalated the problem and solved it. My refi was completed on time with a very low rate. As a mater of fact, the notary who has been working as a notary for 20 years said that it was one fo the best rate he had seen. read more

If I could give the team I had a Clear Mortgage Capital 10 stars I would!! Tina Tamburrino and Kyanna Franke made our cash out Refi go fast and smoothly! Tina found us a great rate @ 2.87.5 fixed. Both Tina and Kyanna were very patient with all my questions and always got back to me ASAP. I never went a day without knowing the status of our refi. They both are true professionals and I could tell they care a lot about their clients. My husband said this was the first time a mortgage refi has gone so smoothly for us with no hiccups! We are very happy. We started the process on May 27th and we finished today June 12th ,2021. I am so thankful I was contacted by Tina after I had put in an inquiry about cash our refi.. I am excited to get started with our home remodel. :) Thank you Tina and Kyanna from both Jack and I. These ladies ROCK! read more

Worked with Ryan Parto and, I have to say, he made our refi so easy. Best refi ever! He was patient while I was neurotic! But he got us through this. We also worked with Giselle who was equally as patient. These guys do a lot of good work. Thank you Clear capital Mortgage. read more

This was the second time we've worked with Nathan at E Mortgage Capital. It was so easy the first time, and this time was even easier, if that's possible. It's like dealing with a friend, and we would recommend their services to anyone looking for a mortgage company. Thank you again Nathan, and thanks for introducing us to Helen - she's awesome as well! -Stephanie S read more

We did a cashout refi with Nathan and eMortgage about a month ago and it was absolutely the smoothest process I've ever gone through. This was our third time getting a mortgage, but our first refi, so we weren't sure how quickly it would all get done. From beginning to end (cash in my bank account), it took less than 3 weeks! Granted, we made sure to get him the requested docs ASAP, but still...no issues with getting the loan financed, appraisal, escrow, or the notary. All the documents were filed correctly as well. Highly recommend you at least talk to Nathan if you are thinking about a refi. read more

We just closed our VA purchase loan through Emortgage Capital and Nathan Kowarsky was really great. We were referred to Nathan by a friend who is also a mortgage professional because of Nathan's ability to offer a better rate and easier processing. We found this to be very true. Nathan handily dealt with any and all obstacles early on in the process and we were clear to close almost immediately. We cannot endorse Nathan and Emortgage Capital enough except to recommend them to everyone we know that may be looking to purchase a new home or refinance their current mortgage. read more

Htet Maung emailed me when I was tired of taking a million phone calls. She worked with me with, (No pressure) and answered all my questions through txt and email. That's when I decided to move with my refi through her. Htet was amazing getting me a 1.9% 15 yr refi. She worked quickly and professionally to get my load completed in 2 weeks!!! I highly recommend Clear Mortgage, and Htet Maung. Hardest worker out there. Thank you! Steve read more

For anyone looking for highest quality of customer care and service getting their first loan or refinancing on an existing loan I highly recommend Ryan Parto and his team. His was particularly great at navigating a challenging situation and was an excellent communicator all the way through the whole process. Most importantly, he held to his word and did everything to get us the lowest interest rate possible. We are incredibly grateful. Thank you! read more

Don't waste your time. Horrible experience working with this company. They are disorganized and don't know what they're doing. Got the runaround from them for 4 months. I provided them every single piece of documentation they requested and despite their promises to get me a refinance, they were unable to. read more

I couldn't have had an easier loan experience! As a single retiree, I was nervous about the process, but Htet walked me through every step and patiently answered all my questions. My loan was funded in less than 3 weeks. This company has outstanding personal customer service as well as an electronic platform that is extremely effective. I've already referred a friend! read more

Tina Tamburrino make my refi much simpler and quicker without any surprises, everything disclosed and straight forward. This the way all business transactions should be. read more

I had worked with many loan officers in the past and very happy and pleased to say my loan officer, HTET, is 'THE GREAT'. Very nice and easy to work with. She provided an unique package (rate and MI) that other lenders/agents are surprised to hear. Well looks like things do happen if you're in the right hands and she's the one you should call. Finally, I found a loan officer whom I should be able to use for the future dealings. Overall, working with Clear Mortgage Capital was such a smooth process and just had to deal with one person throughout the process and they closed the loan in just 2 weeks. If you're reading this, at least give them a call before you choose your lender. read more

I just did a refinance with Nathan. He and his staff got me a great rate, and made the process extremely easy. He was accessible and promptly responded to all my questions. I would definitely recommend him. In fact, I recommended him to 2 other friends who were interested in refinancing as well. read more

Our loan manager, Rubin Quintero, at Clear Mortgage Capital was awesome in getting us through a quick refinance. From beginning to end he made sure to communicate regularly...Whenever I had questions or needed clarification, I got answers immediately. We were please with his professionalism, knowledge, and interest in working for results that benefited us. read more

I worked with James and Aya on my home refinance. They were absolutely amazing and did not miss a beat! They both returned all of my emails and calls within minutes and offered great advice. I have worked with several lenders in the past but none with the caliber of James and Aya. I will always reach out to James for all of my future home mortgage needs. I could not have been happier or pleased with the quality of customer service I received. read more

Clear MortgageCapital, did not create a good experience, they promised what I wanted to hear about refinancing my home loan and then they were taking over 90 days and kept wanting more and more paperwork. I did not complete the loan and went with another company that took only 30 days. read more

Just closed last week. Nathan made all smooth and simple . I will refer him to friends. Thanks again Nathan

Nathan is truly the most trustworthy, friendly, and professional mortgage broker I have ever worked with. He made the refi process the smooth and easy. He also got us the best possible rate. Go with him and you won't regret it later. read more

If your looking for help at refinancing your home mortgage or making a home loan, I highly recommend E Mortgage Capital! Our experience with Regina and Sarabeth made the transition very smooth and we closed in a matter of 3 weeks! Regina explained everything clearly and made us feel comfortable. Thanks E Mortgage Capital read more

Just closed a refinance my home with Nathan. It was really nice to work with someone who is quick and to the point. Competitive quoted rates, up front, were true and accurate to reality. No ridiculous negotiations or hidden costs, super smooth process, quick closing, a great experience. read more

Very helpful. Smooth process. Exactly what I needed. Exceeded expectations. Nathan was extremely helpful In working through options and securing the best option. Highly recommend. read more

Nathan helped me complete a home refinance loan in record time. Along with his assistant Helen, they were efficient and helpful. Easy document upload system made the process easy. Very happy with their work and customer service. read more