Callum MacKinnon

Callum MacKinnon

Mortgage Loan Officer NMLS: 55772

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I am committed to providing ideal financing options to homeowners and homebuyers .  I have been in the mortgage business for over 17 years, gaining the knowledge and expertise to help put you at ease throughout the mortgage process.

Over those years I helped thousands of families with their home financing needs, and my vast experience in the mortgage industry allows me to better assist you and ensure a smooth process from origination through to closing. Whether refinancing, purchasing your first home, or investing in real estate, I will make certain to provide all options to help choose the best solution for your unique situation.

Clear Mortgage Capital is a wholesale mortgage broker with a highly competitive pricing structure allowing us to provide the lowest rates available anywhere in the market.  Coupled with our state-of-the-art technology, we are second to none in our commitment to guiding you through the home buying or refinancing process. Clear Mortgage Capital offers a comprehensive list of loan programs including: Conventional, Jumbo, FHA, VA and USDA loans.

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

Callum MacKinnon and his team were great to work with. He refinanced two loans concurrently for us and the process was very smooth. I will definitely reach back out to him for our financing needs in the future.

Mike Kellison Borrower via Google

Callum MacKinnon @ Clear Mortgage Capital facilitated my loan process flawlessly. In 3-days’ time the rate was locked, and both the initial disclosure documents and underwriting process was complete. His clear and prompt communication style was excellent as he provided status updates through each stage of the loan process. I had been dreading this process as it can be cumbersome, but I had no need to be concerned as Callum and Clear Mortgage exceeded my expectations. I highly recommend their services.

mocat Borrower via Google

Callum MacKinnon made it his personal project and was professional from the start.

Ernest Loomis Borrower via Google

Company Rating

Rating 4.95

Based on 375 reviews

Rating 5

Based on 655 reviews

Rating 4.5

Based on 32 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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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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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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