Fast & Easy Home Loans
Getting a Mortgage shouldn’t be complicated and hard. Start your application now because you deserve it.
(4.8) Over 1,000+ Happy Homeowners
Get APPROVED Under 15 minutes!
It can be hard to shop for a home without knowing how much you can afford. Mortgage pre-approval lets you shop smarter and make stronger offers.
Home Loans Options
No matter what your financial situation, we have a wide of range products tailored to your specifics need to get you in to your dream home!
Conventional
Conventional loans typical require a 680 credit score and 20% down but we have conventional loan programs where you can put as low as 3% down and go down to as low as 620 credit score.
FHA
FHA loans are usually easier to qualify for, with a minimum credit score of 580 to be eligible to make a 3.5% down payment. If your credit score is 500 to 579, you may qualify for an FHA loan with a 10% down payment.
VA
VA Loans require no down payment and are exclusively for Veterans and their spouses. VA have no PMI and require only 620 credit score. VA loans are backed, or guaranteed, by the Department of Veterans Affairs.
Jumbo
A Jumbo loan is a mortgage used to finance properties that that is above the conventional conforming loan. The conforming loan limit is $766,550 in most counties as of 2024
Bank Statement
Bank statement loans are a type of loan that allows you to get a mortgage without the documents that most loans need to prove your income.
Investment
We have a variety of investment loans from beginner to experienced Real Estate investor. Our investment loan products comes with little hassle and we provide you with resources to to grow your portfolio.
The Home Loan Process
1. Apply Online
Fill out one simple application that takes just 15 Minutes
2. Pre-Approval
Once you complete the mortgage loan application, one of our senior loan officers will go over loan options with you and can issue you a pre-approval letter within a couple hours of application. t
3. Home Search
With your pre-approval letter, your ready to find your next dream home. We will work with your realtor to help you get the best scenarios on a potential home.
4. Closing
Once your Realtor gets you under contract, our team will work diligently to get you to the closing table as quickly as possible.
Why Work With Us?
Because We Get The Job Done!
19 Days Average Close*
We collect your documents upfront and have it reviewed by an underwriter before you even get under contract, that save about a week in the process. We get your closing disclosure out with the first week of contract which saves you another 3-5 days.
No Complicated Paperwork
Our easy to use portal allows you to conveniently upload docs and see exactly what you need so you can feel comfortable and in control of the process.
Competitive Rates
We work with the top lenders in the industry and you get to shop and pick the ones with the best rates instead of 1 lender with only 1 rate.
Personalized Loan Options
Even scenerio is unique and we understand. We work with you on a personal level to help you choose the right custom loan option for your buying needs.
Client Testimonials
" I bought my first home and at first I was a bit nervous. I didn't have a lot of money to put down. CCG was able to get me some down payment assistance and simplified the entire process."
Kelvin B.
" My representative, Andrew, was very professional. It was the biggest financial purchase of my entire life and i didn't thing it was going to be this easy."
Kelsi C.
"When me & my wife started the application for the the refinance loan everyone was very helpful and walk me through all of the process. Everyone were very helpful and I learned a lot."
Joanne J.
" We needed to get a home because I was tired of renting. My wife was almost ready to give birth and I wanted to welcome my child into a home. Clearwater really took a load of my should. I am grateful for them because I was able to get into my new home within 3 weeks".
Marsha B.
FAQs
Why should I get Pre-Approved before looking for a home?
You wouldn’t go shopping for a new car without knowing how much you can afford. Why would buying a home be any different?Let’s face it. One of the most stressful things about buying a home is adjusting to your new mortgage payment.
Knowing your family’s financial boundaries before shopping for your new home can make the process go much more smoothly.
Your pre-approval is an essential tool when house shopping, because it Determines what homes are in your price range Assures real estate brokers and sellers that you are a qualified buyer and aan be used to your advantage in future negotiations
Will my Mortgage be really fixed or will fluctuant?
A fixed rate loan offers a fixed term (for example, 15 or 30 years) as well as a fixed interest rate, so the monthly amount for the payment of principal and interest will not change during the term of the mortgage. However, your monthly mortgage payment may also include interest, taxes and insurance. While your principal and interest amounts will not change, the amount needed for taxes and insurance may.
What Is Private Mortgage Insurance (PMI)?
PMI or Private Mortgage Insurance is provided by a private company to protect the mortgage lender against losses that might be incurred if a loan defaults. It can make a big difference in how quickly your mortgage loan is approved and how much money you spend on a down payment. It is required if the loan amount is more than 80% of the home’s value.
How long will it take to close my loan?
Our goal is to have your loan ready for closing as soon as possible! Generally the items that take the longest to receive are things such as the appraisal and the title work and the conditions that you need to provide us with. We’ll want to get the appraisal and title work ordered as soon as possible to avoid any delays. If you are purchasing a new home, we’ll do our best to meet the date you and the seller have agreed upon.
NMLS# 1969887. Loans are subject to additional underwriting criteria. Clearwater Capital Group Inc is a registered ISO of North American Bancard, LLC. American Express may require separate approval. Designated trademarks and brands are property of their respective owners. Annual percentage rate may be increased after fixed-rate period expires. Clearwater Capital Group Inc is Equal Opportunity Lender.