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 Conventional
Mortgage Loan Officer / NMLS 2332988
James Dockery
Your loan officer at Clear Mortgage Capital — here to answer every question about your next purchase, refinance or home equity loan.
About James
Meet James.
- Title
- Mortgage Loan Officer
- NMLS
- 2332988
- Phone
- (619) 581-7311
- Company
- Clear Mortgage Capital, Inc.
NMLS 1935005
I have been a loan officer for 2 years and have been fortunate to have a 10 year Military career so I am thrilled to have the opportunity to Help our service members with their VA home loans and Refi's.
James is a licensed mortgage loan officer with Clear Mortgage Capital, Inc. (NMLS 1935005), with access to dozens of wholesale lenders to help find you a competitive rate on a purchase, refinance or home equity loan.
- Many lenders, one applicationJames compares options across a wide network of wholesale lenders for you.
- Clear numbers up frontSee your rate, payment and costs side by side before you commit.
- Secure and fully digitalApply online, upload documents securely and get updates through closing.
Loan programs
Competitive rates across a wide variety of loans.
From first-time buyers to seasoned investors, we'll match you with the right program.
Most popular
First-time buyersFHA Loans
Mortgages 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
DSCR 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 membersVA Loans
A 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 homesJumbo Loans
If 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-employedBank Statement Loans
For 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 equityHELOC
A 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 HELOCSwipe to explore all 7 programs
Payment calculator
Find your monthly payment.
What does a monthly mortgage payment look like for you? Get an estimate with some basic information.
Monthly payment calculator
Estimated monthly payment
$4,630
Loan amount $600,000- Principal & interest$3,792.41
- Property tax$687.50
- Home insurance$150.00
- HOA fees$0.00
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.
How your loan pays down
Total interest$765,267
Total of payments$1,365,267
Payoff dateOct 2056
Remaining balanceInterest paid to date
View yearly amortization schedule
| 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 |
How it works
Four steps from application to funding.
01
Apply online
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.
02
Connect & verify documents
Once your loan application is accepted, you'll submit the documents requested by our loan officer.
03
Lock your rate
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.
04
Underwritten & funded
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.
11,200Home loans completed
$4.1BTotal loan funding
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.
Get in touch
We will help guide you through the process and get you to your goal sooner.
Talk to a loan expert today — no fee to apply and no obligation.
Call us(619) 581-7311
Visit us19800 MacArthur Blvd, Suite 880, Irvine, CA 92612
Why should I use Clear Mortgage Capital for my home loan?
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.
Do you require a minimum credit score for a loan?
We currently require a credit score of at least 500 for purchase and refinance, and 550 for a cash out refinance.
Is there a fee to apply for a home loan?
No, there's no fee to apply for a loan with Clear Mortgage Capital.
How are you able to offer such low mortgage rates?
Traditional banking institutions use traditional methods to process loan applications. Our digital mortgages are much simpler, which translates directly to cost savings for you.
Do you offer a rate match policy?
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)