Clear Loan
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Conventional & Government Home Loans in Sherman Oaks, CA

Whether you're buying your first home, moving up, refinancing, or investing, Clear Loan offers a full range of home loan options to fit your situation. As a licensed California mortgage broker with nearly 30 years of experience, I work with top wholesale lenders to find you the right loan at the most competitive rate — with complete transparency every step of the way.

From standard conventional loans to FHA, VA, Jumbo, Adjustable Rate, and USDA Rural loans — we have a solution for virtually every borrower. Not sure which loan is right for you? Get a free Quick Quote and I'll walk you through your options personally.

  • ✔ Conventional Loans
  • ✔ FHA Loans
  • ✔ VA Loans
  • ✔ Jumbo Loans
  • ✔ Adjustable Rate Mortgages (ARM)
  • ✔ USDA Rural Development Loans

"The most transparent loan you'll ever see."

Conventional Loans

A conventional loan is the most common type of home loan and is not backed by the government. It follows guidelines set by Fannie Mae and Freddie Mac and is ideal for borrowers with good credit and stable income. Conventional loans offer flexible terms, competitive interest rates, and can be used for primary residences, second homes, and investment properties.

Who Is It For?

  • Borrowers with a credit score of 620 or higher
  • Buyers with a down payment of as little as 3%
  • Those purchasing a primary residence, second home, or investment property
  • Borrowers looking for flexible loan terms of 10, 15, 20, or 30 years

Key Benefits

  • ✔ Competitive interest rates for well-qualified borrowers
  • ✔ No upfront mortgage insurance premium
  • ✔ Private mortgage insurance (PMI) can be removed once you reach 20% equity
  • ✔ Available for loan amounts up to the conforming loan limit
  • ✔ Flexible down payment options starting at 3%

Not sure if a conventional loan is right for you? Get a free Quick Quote and I'll help you find the best fit.

FHA Loans

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. It is one of the most popular loan programs for first time buyers and those with less-than-perfect credit. FHA loans offer flexible qualification requirements and low down payment options, making home ownership accessible to a wider range of borrowers.

Who Is It For?

  • First time home buyers
  • Borrowers with a credit score as low as 580
  • Buyers with limited savings for a down payment
  • Those who have experienced past credit challenges

Key Benefits

  • ✔ Down payment as low as 3.5%
  • ✔ More flexible credit score requirements than conventional loans
  • ✔ Competitive interest rates backed by the federal government
  • ✔ Gift funds allowed for down payment and closing costs
  • ✔ Available for purchase and refinance transactions

Not sure if an FHA loan is right for you? Get a free Quick Quote and I'll help you find the best fit.

VA Loans

A VA loan is a government-backed mortgage available exclusively to eligible veterans, active duty service members, and surviving spouses. Guaranteed by the U.S. Department of Veterans Affairs, the VA loan program is one of the most powerful home financing benefits available — offering exceptional terms that are hard to match with any other loan type.

Who Is It For?

  • Eligible U.S. military veterans
  • Active duty service members
  • National Guard and Reserve members who meet service requirements
  • Surviving spouses of veterans who died in service or from a service-related disability

Key Benefits

  • ✔ No down payment required in most cases
  • ✔ No private mortgage insurance (PMI) — ever
  • ✔ Competitive interest rates typically lower than conventional loans
  • ✔ Flexible credit qualification requirements
  • ✔ Limits on closing costs that can be charged to the veteran
  • ✔ Available for purchase, refinance, and cash-out transactions

Are you a veteran or active service member? Get a free Quick Quote and let's talk about what you've earned.

Jumbo Loans

A jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In Los Angeles County the conforming loan limit is $1,249,125 for 2026. If you need to borrow above that amount a jumbo loan is the right solution. Despite the larger loan size, jumbo loans remain very competitive and are an excellent option for buyers in the high-value Los Angeles and Sherman Oaks real estate market.

Who Is It For?

  • Buyers purchasing higher-priced homes in Los Angeles and the San Fernando Valley
  • Borrowers with strong credit and financial profiles
  • Those purchasing luxury or high-value properties
  • Homeowners looking to refinance a large existing mortgage

Key Benefits

  • ✔ Finance loan amounts above the conforming loan limit
  • ✔ Competitive interest rates for well-qualified borrowers
  • ✔ Fixed and adjustable rate options available
  • ✔ Available for primary residences, second homes, and investment properties
  • ✔ Flexible terms to fit your financial goals

Buying or refinancing a high-value home in the Sherman Oaks area? Get a free Quick Quote and let's find the right jumbo solution for you.