Not sure where to start? Let Clear to Close Mortgage guide you.

Providing clients with the necessary lending options they desire to purchase or refinance a home while educating them along the way.

“We don't say no, We say when”


FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.


The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families. A VA loan may also have reduced closing costs and no prepayment penalties.


A conventional mortgage or conventional loan is any type of home buyer’s loan that is not offered or secured by a government entity. Instead, conventional mortgages are available through private lenders, such as banks, credit unions, and mortgage companies.

USDA Loans

If you’re looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
Clear to Close Mortgage

“We don't say no, We say when”

We are a small passionate team with a blend of personal and professional mortgage experience. Clear to Close Mortgage is a local community bank in Arizona which has served customers and communities for over 21 Years.

Meet our team

Our Team
Mario Nevarez Jr.
Owner and Originator


# NMLS ID 901224,

AZ LO 0946601

Jannette Nevarez
Owner and Originator


# NMLS ID 197686,

AZ LO 0926862

Denisse Lopez
Loan Originator


# NMLS ID 1208220,

AZ BR # 1024617

Arely Nevarez
Loan Production Manager

Grissel Tovar

Mortgage Loan Originator

# NMLS ID 2330191

Licensed in TX, AZ AND CA

Karen Pelosi

Mortgage Loan Originator

# NMLS ID 1497717

The real estate advice you need at your fingertips

Clear To Close Mortgage

Our Vision

Our vision is to build a mortgage brokerage and loan services brand reflective of our values, and become the number one choice for fast, efficient, and affordable services by all and particularly people of color, military, veterans, and Latinos in the communities we serve.

Get Started In Minutes

Our Process In 2 Steps

Take these two easy steps to start your application process for a purchase or sale of a home with assistance from professional advisors.

Step 1: Request a Consultation

The first step is to request a consultation with one of our advisors by completing the form found on this page.

Step 2: Connect

After the consultation, we will coordinate with our internal teams to connect you with the professional that best meets your needs.
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