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 2571827
Your loan officer at Clear Mortgage Capital — here to answer every question about your next purchase, refinance or home equity loan.
Frank brings over two decades of experience in mortgage lending and financial services, earning a reputation as a top performer and trusted advisor. He began his career as a Loan Officer in 2005 and quickly rose through the ranks, becoming a top producer at one of the largest mortgage lenders in the United States. His consistent success led to multiple promotions, and he now serves as an Executive Licensed Mortgage Adviser with Clear Mortgage Capital, Inc.
Frank credits his achievements to always putting the customer first, providing honest and compassionate service, and maintaining deep industry expertise. He thrives in his current role thanks to the flexibility, competitive pricing, and fast loan closings he’s able to offer—allowing him to serve clients at the highest level of his career.
With years of hands-on experience, Frank has developed the ability to structure optimal mortgage solutions tailored to each borrower’s unique financial goals. He takes the time to understand both the immediate needs and long-term objectives of his clients, delivering personalized, strategic guidance. Having helped countless individuals and families navigate the home financing process, Frank understands how overwhelming it can be—and is committed to making the experience clear, organized, and stress-free.
Thanks to his comprehensive knowledge of loan programs, strong problem-solving skills, and unwavering dedication to customer service, Frank ensures every client receives expert support during one of life’s most important financial decisions.
Frank lives in Orange County, California with his wife and their two children. Outside of work, he enjoys spending time with his family, watching his kids play sports, and following motorsports.
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)