• Even if you owe more than your house is worth, we can refinance your home 
• Get cash out or combine your 1st and 2nd mortgages together 
• There is no need to start over at 30 years again when refinancing 
• Get cash to pay off all of your other debt
• Get preapproved for the purchase of your new home
• Secure online account to conveniently apply for your loan.
• Secure online account to track your loan progress
• Elite service designed with the Premier borrower in mind
• We close your loan hassle free and fast!!

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Nothing is added to your current loan balance and not one dollar comes out of your pocket for any points or loan fees. However, our minimum loan amount is $140,000 for this program.

Our fast one on one service is legendary. If you feel stalled and frustrated at another lender, please contact us for a no obligation second opinion.

We, at Clear Concepts, invite you to contact us with what you need and want in regards to your home mortgage. Odds are, we will be able to provide you with just that.

We have been serving California homeowners since 1995. We are here to help.