Buy a home
First home or next home. Understand your budget, compare programs and get a pre-approval you can shop with.
Phoenix Metro + San Gabriel Valley
Mortgages made simple.
Buying a home, refinancing, or financing an investment property? Clarke Capital helps you compare mortgage options with competitive pricing and personal guidance.
Prefer to call? (602) 800-9916
Curtis Clarke · Founder & broker
- 2018Clarke Capital founded
- 1,000+clients helped
- $250M+in loans funded
- AZ · CA · TXlicensed states
Client and funding totals are for Clarke Capital since 2018.
Where are you starting?
Start with your situation, not a loan acronym.
Tell us what you’re trying to do. Helping you find the program that fits is part of the job.
Refinance
Lower your payment, shorten your term or use your equity. See the costs alongside the savings before you decide.
Self-employed
Your tax return may not tell the whole story. Some programs can document income with bank statements instead.
Investment property
Buying or refinancing a rental? Some programs look at the property’s rental income relative to its payment.
Why work with a broker
One conversation. Several lenders compared.
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We compare lenders for you
As a mortgage brokerage, Clarke Capital can review loan options from multiple lenders instead of offering a single bank’s products. That comparison is how we keep pricing competitive.
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We explain the tradeoffs
Rate, fees, monthly payment and cash to close: we lay options side by side in plain language, so you can see what you’re choosing and why.
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You always know the next step
From the first call to closing, you’ll know what we need from you, what happens next and who to ask when questions come up.
Meet Curtis
An experienced guide who explains your options.
Curtis Clarke is the founder and licensed broker behind Clarke Capital. He began originating mortgages in 2005 and started Clarke Capital in 2018 to offer more personal, transparent service.
He went to high school in California and graduated from Arizona State University. Today he works with buyers, homeowners and investors in both places.
More about Curtis
Loan options
Programs we can help you compare
You don’t need to choose one before you call. Here’s a quick overview.
Purchase & refinance
Conventional
A familiar choice for buying or refinancing, with fixed- and adjustable-rate options and individual guidance on which fits.
Government-insured
FHA
More flexible credit guidelines and a lower down payment option, with mortgage insurance as the tradeoff. Not just for first-time buyers.
Eligible military borrowers
VA
Home loans for eligible veterans, service members and some surviving spouses. Terms depend on eligibility and lender requirements.
Self-employed borrowers
Alternative documentation
Programs that may verify income with bank statements or other permitted records instead of personal tax returns. Requirements still apply.
Real estate investors
DSCR investment property
Loans that may evaluate a rental property’s qualifying income relative to its debt payment, alongside other requirements.
Where we work
Focused on Phoenix metro and the San Gabriel Valley
Clarke Capital is licensed in Arizona, California and Texas, with a focus on two communities. We work with clients by phone, email and secure online application, so you get the same guidance wherever you are.
Phoenix metro
Home purchases, refinances, self-employed and investor financing across the Valley.
Phoenix · Scottsdale · Tempe · Mesa · Chandler · Gilbert · Glendale · Peoria
San Gabriel Valley
The same personal guidance for buyers, homeowners and investors in the San Gabriel Valley.
Pasadena · Arcadia · Alhambra · San Gabriel · Monterey Park · Temple City · West Covina · Diamond Bar
Questions
Common questions
Do I need to know which loan I want before I call?
No. Most people start with a goal, like buying, refinancing or financing a rental, and a few questions. Narrowing down the right program is part of what we do.
How does comparing lenders work?
As a broker, we can look at options from multiple lenders for the same scenario. We’ll walk you through differences in rate, fees and terms, and you choose. Final terms depend on your application, credit, the property and lender approval.
I’m self-employed. Can I qualify without tax returns?
Possibly. Certain programs may use bank statements or other permitted documentation to verify income instead of personal tax returns. Credit, down payment, property and lender requirements still apply, and pricing can differ from conventional loans. Self-employed mortgage options
Can you help with a rental or investment property?
Yes. Along with conventional investment property loans, DSCR programs may qualify based on the property’s rental income compared with its payment. Not every property or borrower qualifies, so we’ll review the numbers together. Investment property loans
How should I send my documents?
Please don’t email Social Security numbers, tax returns or bank statements. When you’re ready, start a secure application and upload documents there.
Let’s talk about your next step.
Whether you’re ready to apply or just starting to ask questions, a quick conversation can clarify your options.
Call (602) 800-9916 or email curtis@clarke-cap.com
