After being declined twice because of a short self-employment history, ClearPath placed us with a lender who actually understood business income. Closed in 16 days. I'm still recommending them to everyone.
I've bought three houses and this was the first time the closing disclosure matched the initial estimate to the dollar. No surprise fees, no last-minute 'adjustments.' Refreshing.
Our advisor David responded to a panicked question the night before closing within ten minutes. Turns out it was nothing — but he treated it like it mattered. That's the difference.
Maya ran my break-even analysis and told me straight: the numbers didn't work yet, come back if rates drop another half point. Who does that? When the time comes, they have my business for life.
I knew nothing about mortgages going in. They explained PMI, escrow, points — everything — without ever making me feel dumb. The weekly update emails alone were worth it.
They pulled my Certificate of Eligibility, explained the funding fee options, and got the seller to cover closing costs. Twenty years of service, and this was the smoothest paperwork I've ever done.
An appraisal delay pushed us back four days — not their fault, but I wish I'd known a day sooner. Everything else was flawless, and they credited a fee for the trouble without being asked.
Equity comp, RSUs, two K-1s — my income file was a mess and they handled it like they'd seen it a hundred times. Rate came in better than my private bank's offer.
Three loan options, side by side, with total cost over 5 and 30 years. I'd never seen a lender put it in writing like that. Made the decision obvious — and it wasn't even the one with the lowest rate.
Start with a free quote. If we can't beat what you have, we'll tell you.