Home Ready program
Our Home Ready program is built for first-time home buyers. Qualify with as little as 3% down payment, making it easier to save for your first home without waiting years for a large down payment.
Your path to the right mortgage.
Clarke Capital LLC is a boutique mortgage brokerage licensed to serve Arizona, California, and Texas. We've helped more than 1,000 clients and funded over $250 million in loans—with a focus on competitive rates, FHA and VA expertise, and service that puts you first.
First-time home buyers
Buying your first home? Clarke Capital offers programs and incentives designed to make homeownership more accessible. From low down payment options to a cash rebate at closing, we're here to help you get into your first home.
$1,500 first-time buyer rebate
Clarke Capital provides a $1,500 cash rebate to qualified first-time home buyers at closing. It's our way of helping you cover closing costs, moving expenses, or anything else that makes your transition to homeownership smoother.
Guidance every step of the way
First-time buyers often have questions. We walk you through pre-approval, loan options, and closing—so you know what to expect and feel confident throughout the process.
Why work with Clarke Capital?
We combine experience with a commitment to clear communication and competitive pricing. Whether you're buying your first home or refinancing, we guide you through the process with confidence.
Proven experience
Over $250 million in loans funded and more than 1,000 clients served. Our team knows the market and the process from start to finish.
FHA & VA expertise
We specialize in government-backed FHA and VA loans, helping eligible borrowers access competitive rates and flexible terms.
Competitive pricing
As a brokerage, we shop multiple lenders to find options that fit your situation. You get choice and transparency, not a one-size-fits-all pitch.
How we can help
Purchase a home
First-time or repeat buyer—we help you secure financing that fits your goals and your timeline.
Refinance
Lower your rate, shorten your term, or tap into equity. We'll walk you through the options.
FHA loans
Qualify with a FICO as low as 550 and only 3.5% down. Ideal for many first-time homebuyers.
VA loans
0% down payment and no PMI for eligible veterans and active military. Competitive rates.
States we serve
Arizona · California · Texas
We support borrowers across these states with fast response times, state-specific program guidance, and clear steps from application to closing. No matter where you're located in AZ, CA, or TX, we're here to guide you through the process.
Ready to take the next step?
Contact us for a conversation about your situation, or start an application. We're here to help you find the right loan.
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