Clear Lending - First Time Home Buyer Loans S Voss Rd, Houston

My wife and I were first time home buyers with really no clue what to expect. We were using my VA home loan benefit and I can honestly say we hit gold when we chose Clear Lending. Joan is a tireless worker who fights for you to get the house you want. You can tell he is passionate about what he does. His team to include Patricia all are very patient and will keep you up to speed every step of the way. My wife and I couldn't be more grateful to you guys. He managed to get us into a 425,000 dollar home that has plenty of room for our family with a great rate and only 1800 in closing costs. Thanks Joan and Patricia!!!!!!!

Very pleased with Joan and Clear Lending team. This is my third purchase with them helping me grow my real estate business. Working with Joan as a Loan Officer and Real Estate Agent has made the home purchase process so much easier and way faster. In the past, I had agents refer me their preferred lenders, but it is not the same as the realtor being the owner of the mortgage company. Contract important dates are handled much better. In the past, I had a situation where loan officer would blame the realtor and vice versa over missing contractual duties that needed to be attained at a specific date. Clear Lending team is a very responsive and hardworking team making things happen. I could not be happier with this relationship. Thanks, Joan, for everything you and your team are doing to grow my real estate business. See you soon…

My wife and I feel so lucky to have chosen Clear Lending for our mortgage loan provider and Joan Gallardo as our realtor. They helped us make our home buying dream a reality! Joan helped us navigate the home buying process with his wealth of expertise and knowledge in this hyper competitive market. He fought hard for us, navigating complex negotiations and challenges. With Joan's help, we were able to negotiate terms in our favor in a market where everyone says that the seller has all of the power. The home buying experience with Clear Lending couldn't have been better. Everyone at the Clear Lending team from the start of the process to the end was helpful, prompt and set clear expectations. Their website also has a ton of resources and advice for first time home buyers. Joan was free with his time, answering tons of questions, and he worked with my wife and I to ensure we understood each step. After my experience, I have no doubt Joan cares and he's passionate about helping people realize their dreams. If anyone is looking to buy a home in the Houston, TX area I would highly recommend Joan Gallardo as a Realtor and Clear Lending as a Mortgage Loan provider. The extra level of attention he and his team provided made the process better for a first time home buyer.

We have no words for how grateful we are to clear lending. J. Gallardo went above and beyond to help us get our home. He was helpful, understanding and most of all patient with us. Thank you Clear Lending, thank you Patrcia and Joan. You guys are the best.

Working with Joan at clear Lending have been the best experience of my life. I have been turned down several times because of my credit score. No one never took the time to explain to me what exactly I needed to do so I lost all hope, just when I was about to give up and continue to pay extremely high rent I found Clear Lending and I would be forever thankful I did. They are very upfront with you through your whole process, not only that they help you. Everyone I have spoken with has been extremely nice and professional and was able to work with my credit score to give me my dream home. Joan said we will find a home before my lease was up in March and we did I closed on March 26,21 and it was a smooth process. Joan is very hands on with you through the whole process and work EXTREMELY! hard to make sure you are happy, any time I had a question he answer right away. It was never leave a message and I will have him call you back kind of place. Any time I had a question no matter how late or early it was he responded quickly. If I could give the me 100 stars I would, if I can give them a review every day I would. I never thought this day would ever happen after being turned down by other companies and it did thanks to Clear Lending. Not only that my closing cost was less than I expected it to be. Joan said he would give me the best rate he could and he did just that. Thank you, Joan. Me and my kids will be forever thankful for you and your team, for everything you guys did for us to get us in our home with kindness and patience.

Working with Joan to achieve my goal of home ownership was incredible. He is very knowledgeable and walked me through the process from start to finish. His communication at every step was outstanding. Joan truly puts in the work to ensure a positive outcome for his clients. I would highly recommend his services to anyone looking to purchase a home.

Couldn't be happier with my experience with Clear Lending. Patricia was on point every step of the way from start to finish, and to top it off i got a better interest rate on my mortage then expected. I Will definitely use Clear Lending in the future and tell people of their great service and professionalism. Thank you guys again!

Joan and his staff was great from start to finish. Very knowledgeable and understanding. Walk me and my wife through the process step by step in a competitive market. We are very happy with our first spacious home. Thank you clear lending for being honest and available all the time.

My wife and I were able to purchase our first home thanks to the team at Clear Lending. It was a condo so it was not an easy process at all due to all the paperwork needed, however the team worked around the clock and we were able to close a couple of days ago. I should mention also that my wife and I are both on work visas here in the states and to find a bank that is willing to offer a mortgage without requiring 20% down payment is a huge relief. We are really really grateful, thank you Joan and team. On a last note- a big THANK YOU to Patricia who was extremely helpful and friendly throughout this process.

Would recommend a 1000%!!!!! What an experience! Called Joan about buying a home and within 2 months, we looked at A LOT of homes, found one we loved and closed within 30 days. Before calling Clear lending, I was stressed about the home buying process due to the covid virus, never thought we would be able to close during a pandemic. Joan made the home buying experience simple and straight forward, answering all questions via phone and watsapp, and we also made sure to send all needed documentations in, when requested, to ensure a smooth close... The closing process was stressful due to the anticipation of wanting the process to come to an end, however that's normal and Joan was readily available answering my never ending questions. Joan truly cares about his clients, and was in my corner throughout the process. Super excellent home buying experience and great person to work with. Thanks Joan/clear lending!!!!

Joan at Clear Lending was patient, dedicated & thorough with our transaction buying a house. We are 1st time home buyers & needed closing costs. Joan did not give up on us, showing us home after home, in so many different areas around Houston, talking to so many agents for us & helping us until we found our home. He even went the extra mile & made it right by us when the sellers left a mess in the house. Joan didn't have to do that, but he did because he genuinely cares about his clients. I'm really glad we went with him & we'll return if/when we choose to upgrade to a bigger home.

We had an awesome experience in our 1st time home buying process with Joan & the clear lending team! They are exceptionally professional! Joan made everything very simple & easy. He is very patient, driven, and accessible. He answered all of our many questions and made this process very easy. We closed within 30 days! I would definitely recommend Joan to anyone looking to buy or sell a house. We truly had an amazing experience! #Proud 1st time homeowners

Joan, Patricia, and the entire clear lending team are the absolute best at what they do. Even though the housing market is brutal, and our situation was complicated, they were patient, kind and professional. Joan made sure we were able to get our dream home. May God bless the ground he walks on. Be honest, respect their time, provide what they need, and they will move heaven and earth to get you in a home. Clear lending has made our dreams come true and completely changed our lives. 5 stars aren’t enough to express the gratitude me and my family have for clear lending. From this day until my last I will sing the praises of everything they’ve done for my family. They have my lifelong loyalty and I will recommend them to everyone I ever meet. Thank you so much!

My experience with Joan was remarkable. I've worked with him and his team for about 7 months through my relocation process and I am proud to say he gets the job done. He worked with us day in and day out on everything from getting the best rate, improving credit, finding the right home and just covering all of our needs. There wasn't a call he didn't return or answer or a situation he didn't take time to explain. When ever we needed him he was there. He was always transparent and honest and my husband and I are so thankful for him. He is very knowledgeable experienced and a work a holic. He will be my realtor going forward because I trust him and I trust his judgement. He goes over and beyond for his clients and is always professional. I would also like to add I'm thankful for Patricia as well she is fast and efficient and will get all the documents processed in a timely manner and is always kind. The whole team is amazing to work with. Thank you again for making my stressful situation easier.

Clear Lending is awesome, everyone is working diligently to get us approved for a mortgage loan. I will recommend friends and family to them. They are very knowledgeable and work with you throughout the process. Always on point and on time. Thank you Clear lending!!

Working with Joan and his staff was an awesome experience. He was always available and ready to answer any question. They helped us with a construction loan to build our dream house. They guided us step by step making it really easy to get the One-Time-Close Construction Loan. If you want to make you dream of building your own house come true, we strongly recommend Clear Lending to be your Loan Officer.

Thank you soooo much Joan, Patricia and Samantha for helping us purchase our first home ever. My wife and I are so thankful there are no words to express the joy we feel each time we open the door of our house. I say to my wife… wait is this our house? Then I remember that yes, we just closed few days ago…. LOL. Jokes aside everything you Joan have done for us ever since day one is beyond any words of appreciation. In our case, we truly feel you have been godsent. I still remember the day my wife and I went to Wells Fargo to be told our chances were very limited due to my taxes’ deductions and so we needed to wait 2 possibly 3 years???? My own bank Wells Fargo, Bank of America, Chase, Capital One and God knows how many places we tried. Each one gave us similar reasons but at the end the message was that we didn’t qualify and zero instructions. Well yes, the instructions were that our taxes didn’t reveal the true picture and health of my business operations. Great and now what? Nothing. And so, I stopped searching. Sometime later after talking to a client about my hopeless attempt to buy a house, he told me about a loan officer who showed up from time to time in the radio station offering home loan programs traditional banks would not offer. And so, I started googling until I found Clear Lending. I asked my colleague and bingo! This was the company. And so, I applied online, got a call back very fast, completed an application over the phone, sent income documents and then I was asked to go with my wife at their office. After one hour or so, I was given precise instructions to become a home owner with a government loan program. All I remember was… “If you follow my advice, we will make it happen”. And a year later, Joan got us the house of our dreams, negotiated best deal to cover most closing costs and closed our loan with a 4.25% interest rate when my own was offering me 4.875%???? I am so thankful I found this guy I still cannot believe the miracle he worked for us. Again, thank you Joan and your team for being a true servant and valuable tool to make possible what for me I was told bank after bank to stop searching as it was not possible. I will always refer you absolutely everyone desiring to buy a house. You are indeed the miracle man!!!!

Words really can’t express our gratitude 🙏🏻 with Joan and his attentive and polite team of experts, ( Patricia ) who were always professional and answered all our questions promptly in a knowledgeable manner. Joan worked very hard at getting all the paperwork done and getting us into our dream home. Thank you very much for your hard work. If you are a first time homebuyer, we would definitely recommend using Clear Lending.

As a DACA recipient and first time home buyer, finding a team that was able to work with us seemed challenging. Luckily, I came across Clear Lending where Joan Gallardo and his team went above and beyond to help us through the process of home buying. Joan is very experienced and knowledgeable and was always there when we needed him, he was able to answer all our questions and gave us valuable advice. What I like most is that even after closing, he has been there for us when we have any other home related questions or concerns and am confident he will be there for us for years to come. I definitely recommend the services provided at Clear Lending to anyone looking to buy a home.

I highly recommend Joan. I reached out to Clear Lending because I was not receiving information and good customer service from the first mortgage company I reached out to. Joan was extremely professional ,informative and patient. He spoke to me for over 45 minutes and answered so many questions that I had as a first time home buyer. I was looking for the Michael Jordan of mortgage brokers and Joan at Clear Lending is exactly that! He definitely cares and works very hard To help his clients in anyway that he can.

I worked with Joan at Clear Lending. Joan worked not only as a lender but as a realtor showing me the houses. He communicated with me every step of the way and answered any questions I had. He was honest about the properties we looked at and was very helpful with suggestions for renovations I was interested in. He made suggestions for contractors after I closed on a house who offered fair prices and did exceptional work. Joan will go the extra step for you plus some and I would recommend him and Clear Lending to anyone who is interested in buying a new home. Joan is dedicated and will get job done! He made my first home buying process enjoyable and easy. His honesty and hard work are appreciated! I have already recommended Joan to friends who have just started looking for new homes.

Let me start off by saying, I highly recommend this company. Even though I didn't get approved at this time, Jorge was great. He walked me through the entire process, clearly answered all my questions, and was available anytime I reached out to him. Jorge and Joan were extremely knowledgeable, professional, and courteous to my situation and worked very hard to try and make my dream of home ownership come true. Due to their knowledge, I know what is needed to work out a few hiccups on my end, so I can return to clear lending in the near future. Jorge and Joan, you will hear from me again soon. :)

Joan and his team provided me with a flawless and stress-free service, as a first time home buyer. From the first interaction, until closing and thereafter, it has been an absolute pleasure to partner with Clear Lending. Their knowledge and transparency is incredible, and this industry needs more Joan's (and his team) in this world! Thank you so much for making this transition for myself and my family a positive and enjoyable experience. I highly recommend Joan and his team at Clear Lending for any applicable realtor and mortgage requirements.