I am a first-generation Mexican-American, and like many Latino families, finances were never a topic of discussion in my household. As a result, I grew up with little financial literacy. After high school, I joined the Marine Corps, where I served as a helicopter mechanic for five years. Once my contract ended, I transitioned to a role at SpaceX, and during that time, I embarked on a personal development journey. I began reading books like Rich Dad Poor Dad, How to Win Friends and Influence People, and To Sell Is Human, which ultimately inspired me to enter the real estate industry.
Now, with five years of experience in real estate and mortgage lending, I specialize in working with Latino families and military veterans—two communities I deeply relate to. I’m passionate about educating people on homeownership, empowering them to make informed financial decisions that benefit their future and their families. I’m currently with a brokerage whose team ranks in the top 1% of Mortgage Loan Originators nationwide.
We are proud to have helped thousands of happy customers over the years.
Luis was amazing to work with, him and his team always kept me informed during my client's loan process. I never once had to ask for an update because they will provide it at every mile stone step. Great communication throughout the transaction and very professional. Would highly recommend and would love to do business with Luis again!
From Me: I’m a first time home buyer using VA home loan. Luis was extremely helpful and made the experience great. A moment that is looked as the most stressful experience someone can have in life to absolute minimum if any. Providing any answers to any questions I had and ensuring I was comfortable with all decisions I was making. From my Wife: Having a very tight schedule and limited time. Luis always kept me in the loop and provided me with all the answers. Luis was very knowledgeable of every question, he was very kind and not once did he seem not interested in helping us. I am very thankful for his assistance in this process and for have helping us find our first home.
We recently had the pleasure and blessing of working with Luis Ceja Jr.! From day 1, Luis was extremely responsive and had great suggestions & insight. He made the process so seamless through dedication, knowledge/ expertise, care and hard work. He was responsive and super accommodating like no other. Throughout the negotiation and closing, Luis made the process painless, enjoyable & fulfilling! With his support and guidance, we were able to reach the finish line with ease & expediently in 21 days! We highly recommend Luis & can’t imagine anyone better!
Company Rating
We make the digital mortgage process fast and easy.
-
Apply Online1
- Start your application by taking five minutes to answer a few questions about you and your loan. Once we receive your application, we’ll contact you for the next step to keep the ball rolling. To start the process, Apply Now.
-
Connect & verify documents2
-
Contact & lock your rate3
-
Loan is underwritten & funded!4
Find your monthly payment
What does a monthly mortgage payment look like for you?
Get an estimate with some basic information.
How is my monthly payment calculated?
Apply Appointment
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.
We will help guide you through the process and get you to your goal sooner.
We will help guide you through the process and get you to your goal sooner.
Frequently Asked Questions
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.
We currently require a credit score of at least 500 for purchase and refinance, and 550 for a cash out refinance.
No, there’s no fee to apply for a loan with Clear Mortgage Capital.
Traditional banking institutions use traditional methods to process loan applications. Our digital mortgages are much simpler, which translates directly to cost savings for you.
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)
If you have any other questions, just call us or send a message.
