Business Details
8 Years
experience
Your Trusted Mortgage Partner in Florida
Clear 2 Close Home Loans was founded in 2018 with a mission to revolutionize the mortgage industry through innovative technology and expert service. Our team of seasoned professionals leverages cutting-edge online platforms to streamline the loan process, ensuring faster closings and competitive rates. With over 16 years of combined experience in mortgage banking, we specialize in residential, commercial, and investment loans, serving clients across multiple states. Our commitment to transparency and customer satisfaction has earned us 145+ five-star Google reviews.We prioritize personalized support, offering virtual consultations and 24/7 availability to guide clients through every step. Our proprietary Gold Standard Pricing ensures fair rates for all credit profiles, while our cloud-based systems reduce costs and processing times. Headquartered in Hallandale, Florida, we are expanding our services nationwide, maintaining our core values of integrity and client-first service.
Services
Residential Mortgages
Refinancing
Commercial Loans
New Construction Loans
Investment Property Loans
Foreign National Loans
Online Loan Applications
Credit Counseling
Debt-to-Income Analysis
Mortgage Calculators
Details
- Year established: 2018
Highlights and features
- We offer 21-day loan closings using proprietary online technology.
- Our team includes NMLS-licensed professionals with 16+ years of mortgage experience.
- Gold Standard Pricing guarantees competitive rates for all credit scores.
- We provide multilingual support (English, Spanish, Portuguese) for diverse clients.
- 145+ verified five-star Google reviews highlight our exceptional service.
What people say
Fantastic service
Smooth process
Highly recommend
Stress-free experience
Quick approvals
Services
Residential Mortgages
We provide tailored residential mortgage solutions for first-time buyers and seasoned homeowners. Our cloud-based platform accelerates approvals while maintaining compliance with federal regulations. Clients benefit from personalized rate consultations and access to Gold Standard Pricing regardless of credit history.
Refinancing
Our refinancing services help clients reduce monthly payments and secure better terms. Using automated underwriting systems, we complete refinances 5 days faster than industry averages. Dedicated loan officers guide clients through rate-lock options and closing cost analysis.
Commercial Loans
Specialized commercial financing solutions for investors and business owners. We offer competitive rates for multi-family properties, retail spaces, and office buildings. Our team handles complex documentation requirements and provides cash flow analysis to optimize loan structures.
Online Applications
Our secure online platform enables 24/7 loan applications with real-time document uploads. Clients receive preliminary approvals within 30 minutes while maintaining full data encryption. Virtual consultations connect applicants with NMLS-licensed officers for personalized guidance.
Credit Counseling
We offer complimentary credit analysis to help clients understand mortgage eligibility. Our counselors explain debt-to-income ratios and provide actionable steps to improve credit scores. This service helps clients qualify for better rates through informed financial decisions.
People
Michael Ninomiya
President & Founder
With 16 years in mortgage banking, Michael founded Clear 2 Close Home Loans to innovate traditional processes. He previously expanded Wells Fargo's South Florida operations and built a brokerage from 1 to 12 loan officers.
Paola Hernandez
CFO
Paola oversees financial operations with 10+ years of mortgage industry experience. She ensures fiscal responsibility while maintaining competitive pricing structures for clients across multiple states.
Tristan Quinamo
Loan Officer
NMLS-certified loan officer specializing in residential transactions. Tristan coordinates closings within 21 days using digital tools while providing multilingual support to diverse client bases.
Barry Hochberg
Senior Loan Officer
Seasoned mortgage professional with expertise in complex transactions. Barry assists clients with unique financing needs, including foreign national loans and investment property portfolios.
Rob Hamilton
Loan Officer
NMLS-licensed officer in Ohio with a track record of rapid loan approvals. Rob specializes in first-time homebuyer programs and provides detailed explanations of mortgage terms.
Questions
What types of loans do you offer?
We provide residential mortgages, commercial loans, investment property financing, new construction loans, and foreign national loans with competitive rates.
How quickly can you close a loan?
Our streamlined process typically closes loans in 21 days, with some transactions completing in as little as 10 days using our online platform.
Do you offer online applications?
Yes, our secure digital platform allows 24/7 loan applications with real-time document uploads and preliminary approvals within 30 minutes.
Can I get a mortgage with bad credit?
Our Gold Standard Pricing accommodates various credit profiles, and our counselors provide guidance to improve mortgage eligibility.
Are your rates truly the lowest?
We guarantee competitive rates by leveraging technology to reduce operational costs, which we pass directly to our clients.
