Shingo Hirayama

Shingo Hirayama

Mortgage Loan Officer NMLS: 2000565

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Shingo is a mortgage professional with over 8 years of experience in many facets of the mortgage process including loan origination, underwriting and processing. He specializes in originating refinance & purchase programs ranging from Conventional, government (VA and FHA), bank statement programs, non-QM, 2nd mortgages as well as DSCR loan products. His main purpose is to help his clients find a customized mortgage that best fits their specific situation and needs.

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

Very Competent and Helpful

Shingo helped me refinace my home mortgage in 2020, securing a rock-bottom interest rate. He answered all of my questions competently and quickly. All documents were handled electronically, with quick turnaround. All in all, I was very happy with his service and have recommended him to several of my friends who were similarly pleased with his service.

Gary Lee Borrower via Zillow

Experienced Professional

Shingo closed our loan in January of 2021at the best rate possible in the least amount of time. We have refinanced a few times and this was the smoothest process ever! We were able to retire as luck, the market and Shingo was in charge to make it possible. I had just about given up. The rates were down and the competition was fierce some lenders were asking ridiculously high closing costs. After talking with Shingo it sounded to good to be true. However he put everything in writing and was patient with me as I was very apprehensive after the hype I had been told. I would highly recommend Shingo to find the right loan to suit your needs.

Cynthia Ratzon Borrower via Zillow

Top notch service!

When it was time to purchase a new home, I had reached out to 5 lenders to bid out the loan. Not only was Shingo's the best rate but the customer service and attention to detail is second to none.

If you are in the market to get a home loan, I'd highly recommend getting a quote from Shingo.

Scott Wu Borrower via Zillow

Company Rating

Rating 4.96

Based on 388 reviews

Rating 5

Based on 704 reviews

Rating 4.5

Based on 34 reviews

Loan Options

Get the best rates across our wide variety of loans


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.

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.

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.

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.

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.

How it works

We make the digital mortgage process fast and easy.

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Monthly Payment $1,264
Loan Amount $200,000

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Principal & Interest $1,264.14
Property Insurance $0.00
Property Tax $0.00
HOA Fees $0.00
Estimated Monthly Payment $1,264 GET PRE-APPROVED
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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.

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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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