I had such a great experience. My loan officer, Adam was helpful, knowledgable, and very responsive. He also followed up to check in on me after my loan was funded just to ensure that I was satisfied with my service. I will definitely be referring him to anyone I know in need of anything mortgage related. Thank you! read more

I received a ridiculous handwritten note in my mailbox. The envelope wasn't even stamped, which is illegal! Someone must have driven through the neighborhood and opened up my mailbox to deposit it in there! The note stated: my name, Call us regarding your mortgage*, Call ASAP: 866-918-2696, Pin #: XXXXXXXX I have never even heard of this "company", and find it really annoying as well as illegal, to have people opening up my mailbox! Terrible business practices (if they are a legit company!). read more

How many times do I have to ask you stupid motherfuckers to put me on the do not call list before you listen you hang up on me when I request it and yet you still keep calling. Go fuck yourself already. read more

Clearpath Lending made my refinance process so simple and fast. Employees are all knowledgeable and will ensure you get exactly what you need. I'm very happy with my experience. read more

I really enjoyed working with ClearPath. From beginning to end the entire format of the process and what was expected/needed was outlined perfectly and that's the way everything happened! I am extremely pleased with the consistent communication from my mortgage advisor and the processor - I was even contacted weekly with updates and I've never experienced that working with other lenders. I would highly recommend them. To the people posting that this company is a scam shame on you for deterring people from receiving excellent service, rates and reduction of payments. I too receive many letters from them but they are to tell you what the market is doing - I like knowing that ahead of time. So thank you ClearPath for being amazing at what you do! read more

Refinanced my loan using ClearPath Lending. Everything went very well with the refi. But now that they have sold me mortgage all I get in the mail is offers for Mortgage insurance. I have received 4 that say "Final Notice". I just want them to never bother me again. If you do business with this company expect daily junk mail for the rest of your life. read more

I was really hoping to not have to write a bad review. Buuut... here I go. From the start I was approached by Clear Path Lending to refinance. Great rate, simple process, perfect! I was initially approached by Chris the loan offer that discussed the process and I was ready to start the refinance. I didn't hear back from him for quite awhile, so I inquired at this point bc I was going to go with another company. I finally received a call back and he told me he was going to process documents and his secretary would be the one in contact with me to get all the necessary info and she would submit the paperwork. I cannot recall her name, she was fantastic and helpful. She processed them quickly. However, I had questions that she could not answer. I was told Chris left early for the day which okay it happens. Waited for a response... got answers days after the paper work was submitted. My refinance had processed. Simple, easy. But then we had some unforeseen events come up and have to relocate for work. So, in the contract it says must live in home for one year prior to selling. I wanted to clarify bc we now need to sell our home. I was told bc it's a new contract that time starts fresh so in order to sell I would need a letter stating that Clear Path Lending is allowing me to sell. I reached out to clear path a few times asked the question. No one knew. Then I tried to get ahold of Chris, called his office several times, left a message. I also sent an email. Those went Unresponded to. I was working with another employee who was transferring my loan and she emailed Chris to follow up and CC me on it. He apparently only responded back to her saying it's 6months. So the weekend comes. My family has a lot of decisions to make. I am simply asking for a letter. Over the weekend I emailed upper management. Monday I get a call from Chris. No good morning ... no this is Chris from Clear Path Lending... it was " I walked in today and had to go to my boss office". Ummm - who is this? I do not have your number saved in my phone, okay. I spoke with multiple people from this company so why would I assume It's you or even know who you are? So unprofessional. For the first 5min of the phone conversation is was all about me tattling on him like a child. Look we all have things to do, and I'm trying to move right along. I'm not going to wait on a simple response. I asked if he could write the letter, he told me yes he would send it. He sent a follow up email moments later, but no letter. Telling me I didn't need one and I need to speak with whom my loan is being transferred too. I spoke with the lady from Clear Path that helped me with the transfer and she told me flat out Chris told her 6 months I could not sell my home. Regardless if I need the letter or not. I am a customer that was asking for something simple and a piece of mind. Contract literature isn't always easy to read and to play it safe ... how hard is it to put it in writing. Aside from Chris, everyone else I encountered at Clear Path was helpful. read more

This company sends a ridiculous amount of unsolicited flyers in the mail. I received 10 in the last 8 weeks. Every one of them i called and asked again to be taken off their mailing list. More harassment than support. After the company saw this, I have been informed that I need to now email a company to stop harassing me when I never requested their services in the first place. I will report to every agency possible, if I can get these money grabbing trolls to stop harassing people. read more

Very easy way to refinance your home. They get right on your refinance and do it quickly. Great customer service. Friendly and knowledgeable. Follow-up after closing also to see if a lower rate is available. read more

So they wouldn't pay for the error that they made. Was close to 4k. My mortgage put it back to my principal and my monthly would be to high to pay back. Talk to Adam Mercado and he tried to deny that they have any fault when my mortgage company said they didn't add everything in my property taxes like my mello roos when I refinanced thru them. Don't listen to them and just sue them next time. Also they keep sending me letters too call for refinancing. Why would I do that to this shitty ass company? Stay fat away as possible. Also I'm a disabled veteran. My warning to all veterans!! STAY AWAY FROM THOS COMPANY!!! You really think they are a patriotic for veterans company in CA? read more

ClearPath Lending - Mortgage Lenders Near Me - Irvine, California

Lily Ali was very helpful and knowledgeable...she was able to help me find what works for us especially we are senior citizens with a fixed income....i am very picky and always make sure everything is correct...we had to ask Lily a few times to make it work for us but she handled everything with professionalism...she was not upset at all ..she just wanted to make sure everything worked for us...she worked hard to give us what we wanted...so i really appreciate her help...i will be recommending her to my family and friends ...especially who are retired and seniors ....thank you Lily read more

Absolutely the best experience with this company. Lily Ali and her team were incredibly knowledgeable, professional and patient. I thought the refinance process was going to be difficult and time consuming but it was incredibly easy and quick. I received 2-3 calls a week from her team just to check in and to provide an update in addition to her personal calls. This company, and Lily and her team are outstanding, you'll be in great hands if you choose to go with them!!!!! read more

Today, Feb 16, 2021, I received a plain envelope in the mail. Inside was the below attached letterhead from CLEARPATH Lending (supposedly). On the letterhead was a scribbled note telling me to call a 1-866 number ASAP. Suspicious, I looked up CLEARPATH Lending and called their number. It was different from the 1-866 number. They said they would call me back. Still waiting. I called the suspicious number and someone answered and said they were the "CLEARPATH Lending Loyalty Department." I told the person that answered that I had called the "real" CLEARPATH Lending and she acted all confused and said she would have someone call me back. I said don't bother, as this is an obvious scam. The writing on the note looks like a third grader wrote it. Sorry. I don't mean to degrade third graders. THE LESSON HERE, DON'T USE CLEARPATH LENDING !! read more

ClearPath Lending - Mortgage Lenders Near Me - Irvine, California

I've called this company numerous times since December to be removed from their mailing list, but I just got another one of their freakin' mailings again today!!! STOP!!! I found this on www.consumerfinance.gov WASHINGTON, D.C. - Today, the Consumer Financial Protection Bureau (Bureau) issued a consent order against ClearPath Lending, Inc. (ClearPath), a California corporation that is licensed as a mortgage broker or lender in about 22 states. ClearPath offers and provides mortgage loans guaranteed by the United States Department of Veterans Affairs (VA). ClearPath's principal means of advertising VA-guaranteed loans is through direct-mail advertisements sent primarily to United States military servicemembers and veterans. The Bureau found that ClearPath sent consumers mailers for VA-guaranteed mortgages that contained false, misleading, and inaccurate statements or that lacked required disclosures, in violation of the Consumer Financial Protection Act's (CFPA) prohibition against deceptive acts and practices, the Mortgage Acts and Practices--Advertising Rule (MAP Rule), and Regulation Z. The consent order requires ClearPath to pay a civil money penalty and imposes requirements to prevent future violations. Today's action is the eighth case stemming from a Bureau sweep of investigations of multiple mortgage companies that use deceptive mailers to advertise VA-guaranteed mortgages. The Bureau commenced this sweep in response to concerns about potentially unlawful advertising in the market that the VA identified. This ongoing sweep of investigations reflects the Bureau's commitment to enforcing the laws that ensure the financial marketplace is fair and accurate for all consumers, including servicemembers, veterans, and surviving spouses whom VA-guaranteed mortgages are designed to benefit. The Bureau found that ClearPath disseminated advertisements that contained false, misleading, and inaccurate statements or that failed to include required disclosures. For example, ClearPath advertisements misrepresented the credit terms of the advertised mortgage loan by stating credit terms that the company was not actually prepared to offer to the consumer, including misrepresenting the annual percentage rate applicable to the advertised mortgage. ClearPath also misleadingly advertised rates or payments as fixed, even though the advertised mortgage was an adjustable-rate mortgage or the payment was not fixed for the indicated duration. ClearPath also misrepresented the existence, nature, or amount of cash or credit available to the consumer, and the existence or amount of fees or costs to the consumer, in connection with the advertised mortgage. The Bureau also found that ClearPath advertisements created the false impression that ClearPath was affiliated with the VA. ClearPath advertisements also failed to properly disclose, when required by Regulation Z, credit terms for the advertised mortgage, such as the number and time period of payments associated with the consumer's repayment obligations over the full term of the loan. Finally, the Bureau found that ClearPath advertisements used the name of the consumer's lender in a misleading way by not adequately disclosing ClearPath's name and the fact that it was not associated with, or acting on behalf of, the consumer's current lender, as required by Regulation Z. The consent order against ClearPath requires ClearPath to pay a civil penalty of $625,000. The consent order also imposes injunctive relief to prevent future violations, including requiring ClearPath to bolster its compliance functions by designating an advertising compliance official who must review its mortgage advertisements for compliance with mortgage advertising laws prior to their use; prohibiting misrepresentations similar to those identified by the Bureau; and requiring ClearPath to comply with certain enhanced disclosure requirements to prevent future misrepresentations. read more

Doing business with ClearPath Lending was the best experience I have had with any lending group. I have refinanced several times and this went through without a hitch. Lowered my interest rate to 1.75% and being on a fixed income this helped a lot. I would recommend ClearPath Lending to anyone who is doing a refi. read more

So glad I saw these reviews about ClearPath Lending. If it's anything I hate more than anything is, predatory lenders prying on unsuspecting Veterans. They sent me a piece of paper with this request.... Robert, Call us regarding your veterans administration loan * Call ASAP! 866-594-1522 PIN# v21251413193. Please, who would respond to a piece of junk mail such as this. No point of contact....RED FLAG!!! RED FLAG!!! Thanks for the HONEST reviews. read more

I have had an opportunity to work with Clearpath Lending and each time the service I receive is exceptional. I also want to say that Kashi is an exceptional employee who provides superb customer service. He is one of the primary reasons I continue to use Clearpath Lending. Great service & great team!!! read more

ClearPath lives up to its name. First, I received a very good rate refinance offer in mail. Second, I got in touch with Ankur who has done an amazing job supporting me throughout the entire process - straight talker, no nonsense approach guy who will not waste your time and deliver on the company/refinance promise. Third, I met with notary in my home on my own terms. Forth, my original loan has been paid off and I am looking at potential savings or earlier payoff date. Really pleased and hope that some day we could do this again ;). Thanks Ankur and ClearPath team! read more

Excellent service. Always available and if not always returned calls promptly. Always kept me informed with the status of my refinance and my paperwork. Best of all, the whole process was done in weeks! Highly recommended! I will certainly be using ClearPath Lending again. read more

Clear path Lending has been harassing me through the mail with their Critical Disclaimer Loans for over a year. I am Veteran and this company offers you a payout so that you will refinance your loan with them. I have asked them to stop harassing me and have notified my current lender of their tactics. I have retained legal counsel in reference to this harassment. I want to warn mortgage seekers about company. read more

Updated from a 1 to a 3 because the company addressed the issue, but I was already closing on a new loan with a different vendor so that could not be "fixed." ClearPath quickly and decisively resolve my concern. As I noted in my original post, they are very well reviewed in several places, so I did not expect the issue I had. Based on ClearPath's response, I would try them again and RECOMMEND you try them also. read more

Fast and easy refinance. Courteous and friendly personnel. They always followed up after phone calls. Highly recommended.

We have worked with ClearPath Lending twice and they have proved to be extremely professional and proactive through the process. Our broker and their supporting team have been a group that I look forward to working with in the future and have recommended them to several of our neighbors. They make the overall process of refinancing a home straight forward and as easy as possible. read more

Very unprofessional. Horrible communication. If you like waiting for call backs wondering about you loan and mistakes from poor communication this company is for you. Otherwise maybe try else where. read more

I received a solicitation from this company, sent in a handwritten envelope using just my first name. I couldn't tell if it was a death threat or a note from a long-lost relative. Really stressed me out. I open it to find "I have important info about your loan..." This marketing tactic sucks and I will never use this company. read more

We could not had any better treatment for our refinancing process than what we received from Lily and her team! We felt very special in the way Lily kept us updated on all the steps that was going on. She or one of team called us twice a week to keep us informed. I would definitely recommend this company for any of your needs. read more

These folks keep bombarding me with advertisements designed to look like legal or tax documents. I called them and discussed a loan with them but they didn't offer the product at the great rate their advertisement insinuated. read more

ClearPath Lending - Example of the "advertisement" I receive in my mailbox frequently. Buried in fine print is says it's not a government document. - Mortgage Lenders Near Me - Irvine, California

***VETERANS BEWARE*** First negative review I have done. ZERO Integrity. SCAMMERS. Supposedly focus on VA but actually focus on MISLEADING veterans. Multiple friends and I have received letters from Clearpath disguised as being from our current lender when it is actually clearpath. Why resort to such dishonest advertising by pretending to be a veteran's current servicer!?!?! When I discussed with my loan officer he stated they are what's called "bottom feeders" in lending. When you go through another lender and the lender pulls your credit Clearpath buys these leads from the credit bureaus. Don't get me started on the credit bureaus for being able to sell this info... Anyways, back to the SCAMMERS aka Clearpath - STAY AWAY. STAY FAR AWAY IF YOU ARE A VETERAN! read more

Clearpath Lending and Lily has been their every step of the way. Their service and recheck my customer satisfaction. Thumbs up all the way through! read more

Update: the company has asked me to call and give my address to be taken off their marketing list. I will not do so, since doing that would only stop them from sending me deceptive, shady junk mail, but would do nothing to stop them from continuing the practice for others. My point was for them to stop their deceptive and annoying marketing practices for everyone, not just for me. The fact that they requested I ask to be removed from a list they compiled without my consent demonstrates that they're missing the point by wanting to push the burden of dealing with their junk to recipients. read more

Got referred to the company by a veteran and it was a great choice. The staff was professional and accommodating to my schedule. The company specializes in VA loans and has mastered the complicated process. I have seen this process take upwards of 60 days. They mentioned the turn time would be 10 working days. They got more done in the initial meeting than the other company did in 1 week. I will keep you up to date with updates. So far, amazing 1st impression. 11 calendar days later... Just signed final documents. Easiest refinanced I have ever done. My LO was even available during the Thanksgiving break. Can't say enough about the company and their culture. read more

I have refinanced with Clearpath Lending,before and they were great. But this last refinance I was told I would get my escrow back and I find out that they requested a final pay off minus my escrow. I did not ask for that. So the final payoff was short and my escrow was used for interest and taxes. I have went back and forth with Clearpath and my old mortgage company, and I can't get a reason why the final payoff did not include interest and taxes, That has never happened to me. I was ask to refinance by Clearpath thinking it would help with these uncertain times. That included my escrow which I so desperately needed. So I'm very unhappy and feel that was unfair. read more

Clearpath was, by far, the best lender I've worked with to date. (This is my 6th mortgage). I refinanced a VA loan and the process went very smoothly. I started with NewDay, a veteran-owned company, but they were so slow, the rate lock expired and they came back with a slightly higher rate. Clearpath gave me the same rate offered in their marketing letter, not the batch & switch like NewDay, and closed well before the lock expired. The staff I dealt with were polite, very responsive, and did everything they said they would do. The notary came to my house and we signed all the documents in about a half hour. Done. So happy. Highly recommend, particularly if you're a veteran. read more

Closed on my second refinance with ClearPath and they are second to none. Friendly and professional. We will come back for other refinance or even a new purchase. Thank you for being professional and kind. read more

I refinanced approximately a year or so ago . Things went so smooth . In Nov. 2021 i received a call recommending me to consider using some of the equity in my home to pay off some cards or other debt . I don't know what happened . It started off so smooth, I referred my daughter who finally closed Feb 5, 2022 . After she sent them a text { Clear path } informing them of the way we were threated, they quickly completely her paper work and went on to close . I really don't want to give a bad review . I believe this is a good company . Some people either needs to be retrained or removed . I didn't have the patience to deal with them so i stopped the process and ended up having to pay my mortgage 30 days late . Just wanted this noted . read more

I called this morning to ask for information in regards to refinancing. The lady that picked up kept saying that she couldn't hear me; but asking for my information at the same time? I could hear her perfectly fine with all bars available on my phone and I had just been on the phone with my dentist without any connectivity issues. Anyway, all the sudden she "could hear" me and asked for my first name. I gave her my first name and then she asked for my last name. I asked why she needed my last name and she said was for someone to call me back. I asked why my last name would be needed for a simple phone call (keep in mind that I don't want someone blowing up my phone to get my business); the girl HUNG UP on me, and did not answer my question or took down my number. I WILL NOT be doing any business with this stupid company! STAY AWAY!!! read more

When I first received the opportunity to refi from ClearPath I was very hesitant as I had been receiving other offers. However, none of them offered the rate 1.75. I did research to ensure this was legit and once I was satisfied I made the call and so glad I did. The process was smooth and everyone I engaged with was wonderful. I will recommend ClearPath hands down! read more

Do not to do business with ClearPath Lending. I have respectfully called over 20X to remove my name from their barrage of bulk mail solicitations. I receive at least 2 or 3 mailings every week. I paid off my home over 19 months ago. I will never have a mortgage again, and furthermore I would never recommend ClearPath Lending to anyone. read more

In my opinion, ClearPath Lending did an excellent job with our refinance. They reduced our annual interest rate as promised. Sr Loan Officer, Jose Coutino, P: 949-502-3596, processed our loan. Jose presented himself as a professional and competent loan officer. Jose kept us appraised at every step of the refinance process. His supervisor, Mike Sunbo, was professional and audited the loan process for quality control. I give ClearPath lending a five star rating because of the professional way they processed our refinance. Hope that those of you who decide on ClearPath have same professional service that we enjoyed. I highly recommend Jose should you consider using ClearPath Lending to finance or refinance your loan. read more

I am a veteran and I greatly appreciate the fact that ClearPath Lending helped me out on my VA refinance loan. I got such a great rate and it also dropped my house payment over $100 per month. I did check into other financing mortgage lenders and they (Clear Path) gave me at least at the time the best rate available. NO money out of pocket, able to miss 2 payments with no penalties, no house inspection. We had to fill out some online paperwork, along the way they kept me informed of my loan and everything was completed within about 30 days or so, then all final paperwork was signed in home. It couldn't get much easier. For me everything worked out better that excepted. read more