Most popularConventional
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good option if you plan on staying in your home for years to come.
Apply for ConventionalMortgage Loan Officer / NMLS 49915
Your loan officer at Clear Mortgage Capital — here to answer every question about your next purchase, refinance or home equity loan.
Experienced Mortgage Loan Officer with over 20 years in the industry, licensed in 35 states. Proven track record of successfully assisting clients in diverse financial situations. Specialized in offering a wide range of mortgage products to meet individual needs, from conventional loans to government-backed programs. Also providing Non-Traditional Products like Bank Statement, DSCR, ITIN, ect. Committed to providing personalized guidance throughout the entire loan process, ensuring clients make informed decisions. Adept at navigating complex financial landscapes and offering tailored solutions. Passionate about helping individuals achieve their homeownership goals. With a reputation for integrity and excellence, I bring extensive expertise to every client interaction, making the mortgage journey seamless and rewarding. My approach is centered on providing individually customized advice throughout the entire loan process, ensuring that clients are well-informed at every step. I am skilled in handling intricate financial scenarios as I specialize in devising customized solutions that align with clients' aspirations of current goals and future goals. My passion for assisting people in realizing their dream of owning a home is unmatched, I encourage my clients to bring me any other options they may have been given. I don’t shy way from competition, I want to make you a client for life, not just one transaction.
The world of real estate lending is complex, especially when faced with challenging situations such as divorce, estate settlements, or probate buyouts; these scenarios require a knowledgeable and steady hand, which is where my expertise comes into play. I excel in guiding attorneys, CPAs, and real estate professionals through the financial intricacies of various transactions, ensuring equity and fairness for all parties involved. My services also extend to assisting borrowers in refinancing or securing their home purchase. My role is to demystify and streamline all mortgage-related processes. My leadership style is rooted in calm and kindness, ensuring clear explanations and encouraging constructive feedback to enhance results. I believe in transparent communication to help all parties navigate towards optimal solutions, even in the face of challenges. Maintaining respectful interactions, especially in emotionally charged situations, is paramount.
A personal note from Joshua: My family has been involved in the real estate and mortgage industry for over 55 years, witnessing many changes, their knowledge was my inheritance and by continuing the tradition this is my legacy.
A professional recommendation for Joshua: For over two decades, Joshua Havner has prioritized understanding his clients' life goals over the quick completion of a single transaction for mere commission. His approach involves taking the time to offer clients a comprehensive and clear perspective on the wide variety of mortgage options available in today's market, many of which are not readily accessible through other companies. Joshua's deep insight into purchase transactions and his extensive network of over 52 realtors make choosing his services an easy decision. Clients seeking to buy or sell property without the hassle and stress know that Joshua is the go-to expert—attentive, knowledgeable, and straightforward. Joshua is committed to guiding clients towards financial freedom and satisfaction by leveraging their most significant asset: their home. Whether it's refinancing to optimize monthly cash flow or securing a loan for a dream home or investment property that generates passive income, Joshua offers limitless options. He presents these opportunities clearly and is always ready to address any questions, ensuring a smooth and transparent process.
From first-time buyers to seasoned investors, we'll match you with the right program.
Most popularThe traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good option if you plan on staying in your home for years to come.
Apply for Conventional
First-time buyersMortgages insured by the Federal Housing Administration (FHA) offer more lenient qualification requirements. You might consider an FHA loan if you have a modest credit score or prefer a lower minimum down payment on your home.
Apply for FHA
Real estate investorsDSCR loans are ideal for real estate investors, using the property's income potential rather than personal income for qualification. Loan amounts are based on the property's ability to generate rental income, so you can grow your portfolio without traditional income verification.
Apply for DSCR
Veterans & service membersA VA home loan is guaranteed in part by the US Department of Veterans Affairs and offers more favorable terms. Active duty, veteran, and surviving spouses are all eligible for VA loans.
Apply for VA
Luxury & high-value homesIf you need to finance a home that's too expensive for a conventional loan, you may need a jumbo loan. Feel free to contact us if you're not sure whether this is for you and we can talk through your options together.
Apply for Jumbo
Self-employedFor self-employed individuals or those with non-traditional income sources, bank statement loans offer flexibility. These loans use your bank statements to verify income instead of tax returns, making homeownership more accessible for entrepreneurs and gig workers.
Apply for Bank Statement
Tap your equityA Home Equity Line of Credit (HELOC) allows you to borrow against your home's equity as needed. With flexible draw periods and repayment terms, it's an excellent option for funding home improvements, consolidating debt, or covering large expenses.
Apply for HELOCWhat does a monthly mortgage payment look like for you? Get an estimate with some basic information.
For illustration only. This is not a commitment to lend or extend credit, or a rate quote. Mortgage rates change daily and vary depending on your unique situation. Does not include mortgage insurance. All loans are subject to credit approval.
| Year | Principal | Interest | Balance |
|---|---|---|---|
| Year 1 | $6,706 | $38,803 | $593,294 |
| Year 2 | $7,155 | $38,353 | $586,138 |
| Year 3 | $7,635 | $37,874 | $578,503 |
| Year 4 | $8,146 | $37,363 | $570,357 |
| Year 5 | $8,692 | $36,817 | $561,666 |
| Year 6 | $9,274 | $36,235 | $552,392 |
| Year 7 | $9,895 | $35,614 | $542,497 |
| Year 8 | $10,557 | $34,951 | $531,940 |
| Year 9 | $11,264 | $34,244 | $520,676 |
| Year 10 | $12,019 | $33,490 | $508,657 |
| Year 11 | $12,824 | $32,685 | $495,833 |
| Year 12 | $13,683 | $31,826 | $482,150 |
| Year 13 | $14,599 | $30,910 | $467,551 |
| Year 14 | $15,577 | $29,932 | $451,975 |
| Year 15 | $16,620 | $28,889 | $435,355 |
| Year 16 | $17,733 | $27,776 | $417,622 |
| Year 17 | $18,921 | $26,588 | $398,701 |
| Year 18 | $20,188 | $25,321 | $378,514 |
| Year 19 | $21,540 | $23,969 | $356,974 |
| Year 20 | $22,982 | $22,527 | $333,992 |
| Year 21 | $24,521 | $20,987 | $309,470 |
| Year 22 | $26,164 | $19,345 | $283,307 |
| Year 23 | $27,916 | $17,593 | $255,391 |
| Year 24 | $29,785 | $15,723 | $225,605 |
| Year 25 | $31,780 | $13,729 | $193,825 |
| Year 26 | $33,909 | $11,600 | $159,916 |
| Year 27 | $36,180 | $9,329 | $123,737 |
| Year 28 | $38,603 | $6,906 | $85,134 |
| Year 29 | $41,188 | $4,321 | $43,946 |
| Year 30 | $43,946 | $1,563 | $0 |
Take five minutes to answer a few questions about you and your loan. Once we receive your application, we'll contact you to keep the ball rolling.
Once your loan application is accepted, you'll submit the documents requested by our loan officer.
Our agent sends you loan options that best match your profile. Pick one and we'll proceed with the paperwork to lock in your rate.
We complete underwriting as quickly as possible, keeping you informed as we go. Once everything's ready, we promptly fund your loan.
Ready for step one? It only takes five minutes.
We're backed by some of the top lenders in the market, allowing us to search dozens of options to find you the most competitive rate.
Talk to a loan expert today — no fee to apply and no obligation.
Our team of loan officers is highly respected in the mortgage industry. We've helped countless individuals and families over the years with their new-mortgage and refinancing needs. Our online application process is quick and painless, and when it's combined with our lender relationships, we're able to offer you competitive rates.
We currently require a credit score of at least 500 for purchase and refinance, and 550 for a cash out refinance.
No, there's no fee to apply for a loan with Clear Mortgage Capital.
Traditional banking institutions use traditional methods to process loan applications. Our digital mortgages are much simpler, which translates directly to cost savings for you.
We certainly do. If you find a lower rate than we offered you, please let us know and we'll gladly match it. (Certain restrictions apply)