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Heath Ramsey

Heath Ramsey

Mortgage Loan Officer NMLS: 294597

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Reviews

We are proud to have helped thousands of happy customers over the years.

Working with Mr. Ramsey on closing several loans has been a great process. Being an investor has its challenges and Mr. Ramsey helped overcome those. He will be my go to guy from this point forward!

Donald K. Borrower via Google

Company Rating

Zillow
Rating 4.95

Based on 375 reviews

Google
Rating 5

Based on 655 reviews

Yelp
Rating 4.5

Based on 32 reviews

Loan Options

Get the best rates across our wide variety of loans

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The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good option if you plan on staying in your home for years to come.

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Mortgages insured by the Federal Housing Administration (FHA) offer more lenient qualification requirements. You might consider an FHA loan if you have a modest credit score or prefer a lower minimum down payment on your home.

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Interest rates on an adjustable-rate mortgage (ARM) vary with the market after an initial fixed period. Also known as a variable-rate or floating mortgage, an ARM could be a consideration if you have the flexibility to pay it off if the rate rises quickly or over an extended period of time.

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A VA home loan is guaranteed in part by the US Department of Veterans Affairs and offers more favorable terms. Active duty, veteran, and surviving spouses are all eligible for VA loans.

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If you need to finance a home that’s too expensive for a conventional loan, you may need a jumbo loan. Feel free to contact us if you’re not sure whether or not this is for you and we can talk through your options together.

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How it works

We make the digital mortgage process fast and easy.

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Our lenders

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.

UWM, Loan Depot, and more. UWM, Loan Depot, and more. partners
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We will help guide you through the process and get you to your goal sooner.

Get In touch

We will help guide you through the process and get you to your goal sooner.

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FAQS

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 the best rate available.

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.

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