Jason Ayres

Jason Ayres

Mortgage Loan Officer NMLS: 1432666

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As a UC Santa Barbara Alumni with a Bachelor's Degree in Economics and a strong background in management at one of the top mortgage lenders in the industry, you will not be in better hands. With extensive knowledge of the mortgage industry, I have a unique understanding of all aspects of a real estate transaction. I take great pride in educating my clients while navigating them through the ever-changing mortgage process. I desire to give my clients nothing short of a five star experience at all times.

I have a simple philosophy, work hard, treat my customers the way I would like to be treated, and work on each loan as if it were my own. This simple philosophy has led to a wildly successful career and many happy customers.  Our company, Clear Mortgage Capital, not only has phenomenal, wholesale interest rates, we also have an A+ rating with the Better Business Bureau and fantastic reviews online.  Feel free to google myself “Jason Ayres” or my firm “Clear Mortgage Capital.”  I personally have 5/5 stars on Zillow.  

I'd love to work with you. Give me a call or email me today!

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

Jason made this such an easy process, and very timely. Two weeks from my initial inquiry and we closed. AMAZING. He was smart about when to lock in our loan rate catching at the lowest its been (I think ever) and at the same time getting an additional credit on the loan of around $1000. He worked hard to reduce closing costs finding a few additional opportunities to avoid costs, saving us hundreds more at closing. He offered us the lowest rate and cost combination among the half dozen lenders we investigated, and by a large margin. Jason was timely in communicating with us, always returning calls, answering questions we asked in simple understandable terms and examples. He was available 7 days a week. I really appreciated that he was the only one I needed to contact for all aspects of my loan. I would highly recommend him to anyone for mortgages. He knows this business, and that saved me a lot of money.

James Borrower via Zillow

After an unbelievably bad experience with another loan officer, we were so fortunate to find Jason. He provided us with outstanding service in all areas -starting with obtaining the right product (mortgage/rate/closing costs), all the way through to an incredibly fast closing. Jason was accessible literally anytime, kept us well informed and up to date, provided helpful guidance, and was very patient in answering our many questions. He was professional, exceptionally responsive, well organized, thorough, trustworthy, great to work with, and tireless. Thank you Jason!


Lee Borrower via Zillow

I had been waiting for over 3 months to close with another lender and kept getting excuses for why things were taking so long. I inquired with Lending Tree and Jason responded immediately. He was courteous and extremely helpful. My refinance closed in less than 3 weeks. He was amazing!


Celeste 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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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.

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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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