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

Joan and the rest of staff at Clear Lending did an amazing job. Taking the time to explain all the details and taking all the right steps on getting me into a home. I recommend anyone in the home buying market to contact him. He will take care of you.

Clear Lending knows what they are talking about when it comes to the buying and selling of Homes. They will go out of their way to make their clients feel secure in the handling of the biggest transaction of their lives. I highly recommend them! BIG shout to Edgar, Joan and Patricia…so friendly, helpful and professional. THANK YOU SO MUCH Y’ALL!

I am a Disabled Veteran who found Clear Lending online. I worked with Joan and did everything over the internet without ever actually meeting him in person. This was a great expeiernce and he was wonderful and helped me with the whole process and answered any questions i had. This is an A++++ service place for loans for veterans. Would reccomend them to any veteran even with less than perfect credit. This people are awesome and Joan helped me with everything. I would suggest every veteran use him

There’s only few people out there that would go ABOVE and BEYOND for a Customers needs! Words cannot express my deep appreciation for having found Joan Gallardo! Let’s just say, I was on the verge of loosing a big financial investment, I was dealing with a Lender that put me in a big financial strain as they kept delaying my closing date, I had zero confidence with the Lender and decided to find another source! I literally was expecting only a Miracle from above as at this stage of my loan I had less than 3 weeks to close on my home. When I say Joan was Godsend it’s a definite and true statement! I explained my situation to him in the hopes of a lender closing my loan with such short notice! Joan diligently worked on my loan day and night to meet the deadline! Who does that?!! No one really but Time was no barrier for him! 1am, 2am it didn’t matter, he worked on it! He almost even drove to the Lender I was using office location! I’ve never known someone as dedicated to their customer! I gave Joan a deadline of 10/31! Honestly I only expected a miracle to meet the deadline! Well thank God I’m overwhelmed and HAPPY to say today 10/31 I received my final closing docs and I’m a homeowner!! Please take my experience with Joan for anyone out there looking for a Lender or even a real estate agent JOAN GALLARDO is your Guy! He cares for his customers is dedicated and will do Everything in his willpower to get you into a house! Don’t settle for any promises of lenders out there! Do your due diligence first don’t fall into a situation as mine. I was thankfully blessed with an Amazing Loan officer and please be assured he will take care of all your needs or questions during your home loan and or home search process. I’m so grateful to have found him. If you need a home loan NOW, a prompt and highly knowledgeable loan officer contact JOAN GALLARDO!!

After being denied by my credit union for a VA loan I search for someone local in the Houston area. I'm glad I found Joan, Jaqui and the whole team. They good people will take care of you never rush you in the process always guide you trough the whole process from getting a mortgage searching for a house to closing on the house. After four months of searching I'm a first time home buyer and the whole process was smooth even though I was outside of Houston, thanks to Joan and the team.

The whole process from start to finish was great with clear lending. Joan and his team worked nonstop to make sure we were happy after several lenders denied us. a After contacting clearlending we were shortly moving into our home. Thanks !!

Joan was great, I thought I have an difficult maybe impossible situation getting refinancing for my home...he guided me step-by-step the process he wanted to pursue, worked the process and made it work. He kept me in the loop of what he's doing, that how I found out how aggressive he was getting the answers he needed to get me approved. Great job, I will definitely use him again in the near future!

Initially I left a bad review for this mortgage company. However, I can honestly say I’m absolutely amazed at the customer service at this company. Shortly after leaving some negative feedback the company owner personally contacted me to correct the mistake and address my concerns. I guess I had spoken with a relatively new person (completely understandable) who wasn’t 100% sure on the way things worked. The company owner politely informed me of this and worked very hard to go out of his way to come up with a solution for me. My review has been updated accordingly. I am VERY impressed with this company and looking forward to potentially working with them. Would recommend!

Joan did a great job! He was very knowledgeable about the process, quick to respond to my emails and calls, and very professional. He was upfront and honest about everything and worked so diligently that it made me feel as if I was his only client. I would definitely use him again in the future, and I would recommend him without any hesitation.

YOU’RE LOOKING TO BUY A HOME? May I have your attention? If you’re reading this then you too were me 3 months ago. I found Joan while searching the web just like you. I’ll be honest I was uneducated on buying a home, what was needed, how to qualify etc. Joan received our application and immediately began to find and give me what I WANTED, NOT WHAT HE WANTED. I experienced 2 other lenders running game on me.1st said “your husband is a temp at his job we can’t do the loan until he’s hired on”. 2nd said “your credit needs help (it was low 600’s) we can help y’all if y’all pay $495”. 3rd (Joan clear leading) said “This is possible, no worries All I ask for is your loyalty” I remember meeting him for the first time at his office I spoke to him about the (10k+) delinquent student loan my husband has, he picked up the phone, made a Call, asked a question, threw his hand like it was water off a ducks back, and continued convo about submitting the app to underwriting. He also helped us clean our credit up throughout this process He negotiated for us as if it was his own home he was purchasing. The application Process was smooth I was on my toes Joan was reassuring me constantly that “everything is fine don’t worry” <- if you’re like me you’ll hear this alot lol Underwriting was 2 days. It was approved fairly quickly I’d say O MY GOSH SO MANY GREAT THINGS!!😍😍 With a 611 credit score Joan got us a 4.375 interest rate !!! That’s an interest rate of someone with a 700+ credit score!!! I went to closing with less than my down payment!!! He negotiated the sellers pay 9,000 in closing cost! He broke his OWN RECORD!!! He gave us so many great tips about purchasing the house and it’s upkeep. I like that he wasn’t just trying to get a SALE! He genuinely cares guys. I have a life long friend. I love him for being nice and caring. As a treat to us from Joan this the following weekday Monday July 23,2018 He had a carpet company come out wash, sanitize and condition all carpet to perfection !!! I prayed and I Asked JESUS to lead me and guide me. The LORD opened a door, by FAITH we walked through it and JESUS CLOSED IT ON Friday July 20th, 2018 And used Joan Gallardo To do it! Did I mention i have a 5bd 2 1/2 bath home I am a first time homeowner I thank THE TRUE AND LIVING GOD , & HIS HOLY CHILD CHRIST JESUS for leading me to JOAN for his purpose for the both of us. THANK YOU JESUS I CLOSED ON FRIDAY JULY 20th 2018 If you want a HOUSE AND A REAL ESTATE AGENT WHO TRULY CARES AND NOT TRYING TO MAKE A DOLLAR OFF OF YOU CALL JOAN AND PUT IN AN APPLICATION TRUST HIS JUDGEMENT CAUSE HEY JOAN GETS YOU IN A HOME! I’m a living testimony NOW CALL SAMANTHA (his wonderful assistant the girls at the office are so sweet and loving also) It doesn’t get realer than this !! What are you waiting for CALL!!😇🤗