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The Vieira Mortgage Team

The Vieira Mortgage Team

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PURCHASE OR REFINANCE?

PROPERTY TYPE

ESTIMATED LOAN AMOUNT

ESTIMATED CREDIT

PROPERTY VALUE & ZIP CODE

WHO IS THE LOAN FOR?

Why Us?

team

The Vieira Mortgage Team is a group of highly skilled professionals that have served over 7,000 clients ranging from first time home buyers to seasoned real estate investors. Our team delivers the most intimate mortgage experience one can find. Dedicated to giving a top-notch purchase or refinance experience, our approach focuses on cultivating meaningful, long-term relationships with our clients. Here’s how:

Transparency

No more buyer’s remorse! You can feel confident that you have secured the program that is best for you. We present different options and disclose the lowest rate and cost and let you decide. We are open and transparent with you regarding fees and expenses. Banks are not required to disclose what their earnings are. Meanwhile, we work for you! We will always represent you and your interests, never a lending institution.

Hands-on Approach

We emphasize open communication between the team and our clients to ensure the process goes smoothly. Each of our team members is dedicated to getting your loan funded quickly and finding creative solutions to save time and resources.

Best Rates

Banks only consider their in-house products. We, on the other hand, have access to more than 30 lenders and an abundance of programs. There is always the perfect program out there to meet your goals, and we will work with you until we find the program that best suits you.

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On-Time Closing

We have a 30-day closing time. We accomplish this because our close-knit team works closely on every single loan and quickly overcomes any roadblocks that might arise. We have perfected our processes and have great relationships with all the third-party players.

Meet the Team

Jason Vieira

Jason attended Keene State College in New Hampshire where he completed his Bachelor of Science in Business Management. Throughout his career, Jason has earned numerous prestigious achievement awards including Top ranking Sales Manager for 2 Fortune 500 Companies: LendingTree and SunTrust Bank. Jason has extensive training in Business Development, Underwriting and Tax Return Analysis & Evaluation. He currently resides in Orange County, CA. Licenses holding NMLS #850591 and CA Department of Real Estate License #01881058.

Cierra Taylor

Cierra Taylor is a Creighton University grad with a background in Finance & Marketing. Cierra began her career in real estate investment before transitioning into the mortgage industry. Currently, Cierra coordinates The Vieira Mortgage Team marketing efforts and provides support throughout the loan application process. She lives in Laguna Beach with her Australian Shepard, Sophie.

Jesse Chappel

Jesse was born & raised in Simi Valley. Jesse has experience working for a Fortune 500 company and 18 years in the mortgage lending industry. She plays a crucial role as one of the team’s processors. Jesse currently lives in San Clemente with her family and two dogs where they enjoy hiking and pilates.
group

The Vieira Mortgage Team

The Vieira Mortgage Team is a group of highly skilled professionals that have served over 7,000 clients ranging from first time home buyers to seasoned real estate investors. Our team delivers the most intimate mortgage experience one can find. Dedicated to giving a top-notch purchase or refinance experience, our approach focuses on cultivating meaningful, long-term relationships with our clients. Here’s how:

Loan Programs

Fixed rate loans

Lock in your loan at a low fixed rate with terms from 10 to 40 years.

Adjustable Rate Mortgages (ARMs)

Obtain a low interest rate loan with our adjustable rate mortgages.

Alternative Qualification

Designed for those clients whose true income is documented by their bank statements.

Jumbo Loans

Jumbo loan amounts available up to $10,000,000.

FHA Loans

FHA loans allow for low down payments and flexibility on credit scores.

VA Loans

Veterans, you've served us. Now let me serve you with a zero down home loan.

Interest Only Loans

Opt for a low monthly mortgage payment with an interest-only loan.

First-Time Home Buyer

Buying your first home is supposed to be memorable. However, there are many confusing tasks and requirements that get in the way of enjoyment. With our expertise, we can lift some of the burdens from you.

Financial Standing

If you do not know what you can afford, we can help you. Depending on your income, assets, and down payment, we will find the right loan program for you. We will also help you take advantage of the many unique programs available to first-time home buyers.

Credit

Credit is a big component in securing a mortgage. Good credit will increase eligibility for different loan programs and the likelihood of approval. If there’s room for improvement, we will work with you on increasing your credit before securing a loan.

Loan Programs / First Time Home Buyer Programs

There are many loan programs out there to meet your needs and goals. We take the time to get to know you and your situation, then determine the best options to present to you. We work in your interest, never the lending intuitions. We will also help you take advantage of the many special first-time homebuyer programs that are available. These include but are not limited to select rates, low down payment loans, no down payment loans, forgivable loans for closing costs, and federal tax credits.

Choosing a Home

Once we determine the loan amount and program that suits you, you are ready to find your home. We will get your pre-approval letter to you swiftly so you don’t miss any opportunities to make an offer. If your offer is accepted, you’ll be ready to begin the closing process. Our team will begin working on funding your loan quickly and seamlessly.

Mortgage Broker in Orange County

Purchasing a home is one of the most important financial decisions you will make. The value of your home will only grow, along with the equity you put in it. Rent continues to increase , but your mortgage rate doesn’t have to. Not only does home ownership give you the ability to grow equity, there are also many tax benefits. Although the process can be stressful, purchasing a home is a great long-term investment that everyone who has the resources should make with the help of a mortgage professional such as the Vieira Mortgage Team.

The Vieira Mortgage Team is a constituent of Clear Mortgage Capital, a mortgage broker in Orange County, and serves homeowners all over California. They serve a variety of clients, from assisting first time buyers achieve their dream of owning a home to seasoned real estate investors with years of experience buying and selling properties. The Vieira Mortgage Team also specializes in securing improved financing for existing homeowners looking to refinance in Orange County or anywhere else in California. Partnering with over 30 lenders, the Vieira Mortgage Team knows the ins and outs of refinance and purchase experience and offers the best mortgage rates in Orange County.

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