Programs
Loan Programs Built for Real Life
Conventional Loans
Straightforward and flexible, conventional loans are a solid fit for many buyers. We’ll show you what’s possible based on your credit, income, and goals.
- Low down payment options
- Fixed and adjustable terms
- Great for well-qualified buyers
- Easy to compare and customize
Refinance or Cash Out
Whether you want a lower monthly payment or need extra cash for upgrades or paying off debt, we’ll walk you through your options with no confusion and no pressure.
- Lower your rate or change your loan terms
- Use your home equity without overextending
- See exactly how much you’ll save
- Flexible cash-out options
- Quick and straightforward process
VA Loans
Backed by the Department of Veterans Affairs, VA loans offer great terms for those who have served. We help you get the most out of your benefit.
- No private mortgage insurance (PMI) required
- Competitive rates and reduced fees
- Quick, respectful, and veteran-focused support
- Eligible for $0 down payment
- Flexible income documentation options, including 1099 contractors
Investor Loans
Investors can qualify based solely on the cash flow of the property. Whether you’re a first-time investor or growing your portfolio, we make the process simple and flexible.
- No personal income or job verification required
- Available for both short-term rentals and long-term holds
- Close in your personal name or under an LLC
- Fast approvals with minimal paperwork
- Ideal for building or scaling your investment strategy
Self-Employed Buyers
If you run your own business or freelance, your income may not fit into a box. We know how to present your numbers in a way lenders understand.
- Bank statement and stated income options
- Custom loan strategies
- Flexible documentation
- Built around how you actually earn
First-Time Homebuyers
We take extra time to walk you through every part of the process. You’ll understand your numbers, your timeline, and what to expect, without the overwhelm.
- Low and no down payment options
- Pre-approval with clarity
- Answers to every question
- Respectful, pressure-free guidance
FHA Loans
FHA loans can open the door to homeownership with more flexible credit and income guidelines. We’ll help you see if it’s the right fit.
- Lower credit score accepted
- Low down payment
- Friendly for first-time buyers
- Step-by-step support
USDA Loans
If you’re buying in a qualified rural area, you may be eligible for a USDA loan with zero down and low monthly costs.
- No down payment
- Great for small towns and suburbs
- Affordable long-term financing
- Eligibility check included
Make It Your Home
You are not just buying a property. You are choosing where your life will grow. We are here to help you do it with confidence and clarity.
Create Stability
Owning your home puts you in control of your future. We help you build a strong foundation with the right loan from the start.
Looking to Refi?
Whether you're looking to lower your rate and/or term, or access equity for home improvement, pay off bills, or other investments, we will help structure the right refinance
We're Here to Help You
Talk to Us
Ready to Own Your Home? Let ClearFi Help You Get There
We make it easy to ask questions, explore options, and get started. Whether you are just curious or fully ready, we are here for you.
Understand the Tax Benefits
Homeownership often comes with financial advantages. We explain what might apply to your situation and how to use it wisely.
Build Equity Over Time
Every payment moves you forward. We guide you through the loan process so that you are investing in something that belongs to you.
Choose the Right Loan
There is no single loan that fits everyone. We help you find the one that makes the most sense for your needs and your timeline.
