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PURCHASE OR REFINANCE?

Purchase

Refinance

PROPERTY TYPE

Primary

Secondary

Investement

ESTIMATED LOAN AMOUNT

ESTIMATED CREDIT

Poor (≤619)

Fair (620-679)

Good (680-719)

Excellent (720+)

PROPERTY VALUE & ZIP CODE

WHO IS THE LOAN FOR?

Why Us?

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.

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.

Over his career, he has earned numerous prestigious achievement awards throughout career, including TOP ranking Sales Manager for 2 Fortune 500 Companies: LendingTree and SunTrust Bank.
Attended Keene State College in New Hampshire where completed his Bachelor of Science in Business Management.
He has completed extensive training, including: Business Development, Underwriting & Tax Return Analysis & Evaluation Training.
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.

Born and raised in Simi Valley CA, currently resides in San Clemente CA.
Graduated from Cal State Northridge with a Degree in Business Marketing
18 years or Residential Mortgage experience
4 years of Commercial Lending Experience
Started my mortgage career in Sales for 6 years, then transitioned into Processing
Worked for a Fortune 500 company early in my career which gave me the knowledge and tools to succeed in the mortgage industry
My goal has always been to build long standing relationships with my clients by providing open communication and full transparency
Strong point: Experience, integrity, honesty, availability, and a genuine desire to help my clients
Hobbies: Pilates, Singing, Cooking, Hiking, Going to the Beach, Trying new restaurants & Spending time with my family and my 2 dogs, Maya & Mojo

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.

The Vieira Mortgage Team

Laura Azzolina is a Southern California native with over 12 years of experience in accounting and bookkeeping.
She is often working behind the scenes – whether it’s ordering your appraisal, verifying your employment, or working on your file with Escrow, she plays a crucial part in funding your loan. When Laura is not working, she enjoys spending time with her husband Hugh, new baby girl Charley and boxer mix Iggy.

Loan Programs

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.

Blog

Recent Economic Changes: Tariffs, the Stock Market & What It

lhg-dev
10 April 2025

The financial headlines have been buzzing lately with talk of new tariffs, stock market fluctuations, and inflation concerns. But what does all of this mean for you—especially if you're looking to buy a home, refinance, or simply keep an eye on mortgage rates? Let’s break it down. What’s Going On in the Economy? In recent months, we’ve seen: New tariffs proposed or implemented on imported goods from major trading partners like China and Mexico Stock market volatility driven by global tensions, inflation data, and shifting investor sentiment A mix of economic indicators—some pointing to strength (like low unemployment), while others suggest slowing momentum All of this creates uncertainty, and when uncertainty rises, interest rates tend to respond. How Mortgage Rates Are Affected Mortgage rates are influenced by a variety of factors, but two key ones are: Inflation expectations Investor behavior in the bond market Here’s how it all connects: Tariffs

Renting vs. Buying: Which Is Right for You in Today’s

lhg-dev
18 February 2025

Deciding whether to rent or buy a home is one of the biggest financial decisions you'll make. With fluctuating interest rates and rising home prices, it's more important than ever to weigh the pros and cons of each option. Whether you're a first-time homebuyer or considering a move, this guide will help you determine the best choice for your financial situation and lifestyle. The Benefits of Renting Flexibility – Renting allows you to move with ease, whether it's for a job, lifestyle change, or personal preference. Lower Upfront Costs – Unlike buying, renting doesn’t require a hefty down payment. Instead, you’ll typically pay a security deposit and first month’s rent. Minimal Maintenance Responsibilities – Landlords usually handle maintenance and repairs, saving you both time and money. No Market Risk – Home values can fluctuate, but renters don’t have to worry about depreciation affecting their investment. Access to Amenities – Many

What to Expect from the Housing Market in 2025

Cierra Taylor
21 January 2025

As we step into 2025, many homebuyers and homeowners are watching the housing market closely. Whether you’re planning to purchase your first home or considering refinancing your existing mortgage, understanding market trends can help you make informed decisions. Here are some key changes expected in the market this year and what they mean for you. 1. Interest Rates Are Stabilizing After several years of fluctuating interest rates, 2025 is expected to bring more stability. Analysts predict that the Federal Reserve’s efforts to manage inflation will result in mortgage rates leveling off, likely remaining in the mid-5% to low-6% range for a 30-year fixed-rate mortgage. What This Means for Buyers: If you’ve been holding off on purchasing a home due to high rates, this could be your opportunity to lock in a rate before any unexpected changes occur. It’s also an excellent time to evaluate your budget and explore how a

Infographic: 5 ways to improve credit score

How To Prepare Your Credit for a Home Purchase or

Cierra Taylor
06 April 2022

Your credit score determines what type of mortgage and interest rate you'll qualify for, so it's important to take these steps BEFORE you start shopping. Pay all your bills on time. These include your mortgage statements, car payments, credit cards, etc. Keep your credit cards lines open. As you build your credit, more opportunities will become available with new cards and benefits. If you open a new credit card with better benefits, keep your old line open. Even if you aren't using the card, having a long credit history helps keep your credit scores strong.Get copies of your credit reports and dispute any errors. If there are any discrepancies with your credit, the sooner you catch them, the better. Staying up to date with your usage and reporting is essential. Avoid applying for new credit. Unless it is absolutely necessary and you need to buy a new car, home, or open a new

What to Know: Mortgage Broker versus Bank

Cierra Taylor
07 February 2022

Introduction - What are my options when securing a new home loan? When it comes to securing a mortgage, you have a few options. You can go directly to your bank, although banks only offer their in-house products, or through a mortgage broker. Both of these options can help you achieve your mortgage goals, but there are a few things to consider. We've broken down some of the primary advantages and disadvantages of these choices. So, what's the distinction between mortgage brokers and a bank?As mentioned previously, banks only offer their in-house products. This can sometimes be very limiting and harder to qualify for due to stricter guidelines with fewer products. However, if you have a long-standing relationship with a particular bank, they are oftentimes able to offer you great rates and pricing since they already have an established relationship with you and are familiar with your financial standing (aka your ability

What Questions Should I Ask My Loan Officer?

Cierra Taylor
24 December 2021

When you are ready to refinance or purchase a new home, the first step is finding a knowledgeable professional to help guide you through securing your new mortgage. Turning to a mortgage broker is often the best option, as they have access to an abundance of lenders and loan options. Before you begin, you will likely have some questions in mind for your loan officer.What Loan Terms Are Best For Me?The best loan terms for you depend entirely on what your financial goals are when it comes to your mortgage. If you are buying a home, it is common to select longer loan terms such as 30 years. As you slowly pay off your loan, it will make sense to refinance at a lower interest rate because you will owe less on your mortgage and have more equity in your home. Selecting shorter terms will can increase your payments (not

Find The Best Mortgage Broker In Orange County

Cierra Taylor
10 November 2021

Many individuals are facing financial problems in their life, especially due to the unexpected pandemic. However, one positive thing that was brought about by this situation is low mortgage interest rates. Many people are turning to mortgage loan officers and mortgage brokers to refinance their home to save on their mortgage. The Vieira Mortgage team is the perfect team to lean on and look to for guidance on your mortgage. They take time to understand your needs and financial situation to help you reach your goals. Jason Vieira of Clear Mortgage Capital, a California-based Mortgage Broker, is an experienced loan officer who has helped clients reach financial freedom for 17 years. So why choose Jason as your loan officer? Complete knowledge about the industry after 17 strong years in the field, allowing him to find creative solutions to problems that may arise.Quick turn time due to a productive workflow. Has an intimate

5 Tips for a Successful Refinance

Cierra Taylor
26 October 2021

Refinancing presents a great opportunity for homeowners to benefit from the lower payment and save money. However, to refinance in the right way, you should consider a few things. This will guarantee you prepare well before contacting the right lender for refinancing. The best course of action is to seek a professional like a mortgage broker. Here are tips that will be helpful in securing the best mortgage rates. 1. Know your credit scoreHaving a clear idea about the credit score is highly essential as it determines the loans you qualify for and other factors such as interest rates Thus it is vital to focus on improving the credit score before applying for refinancing, especially when on the lower end of the spectrum.2. Understand your equityYou must understand the equity you have currently in your property and is built by making payments timely. Remember, equity determines rates available to you. The

In 2021, How Do You Get the Best Mortgage Rates?

Cierra Taylor
27 September 2021

Whether you are purchasing your first home, refinancing, or remodeling, a new mortgage can help you achieve your goals. However, it is important to prepare in order to secure the best mortgage rates and programs. Here are a couple of things to keep in mind that help you know how to get the best mortgage rates. Improve the credit score Your mortgage rates are contingent on your credit and other major factors. The better your scores, the lower rates you may secure at a lower cost. Even if your credit scores are on the lower side, there is still plenty of opportunities to secure great financing. Our loan officer, Jason Vieira, finds creative ways to increase your scores and open the possibility for better financing if need be. You can improve your credit score over time with timely bill payments and not missing any payments such as your mortgage, credit cards, and

Hand holding mortgage sign in front of house

What Are the Advantages and Disadvantages of Mortgage Broker?

Cierra Taylor
14 September 2021

Whether you're thinking of buying a new home or a car, a mortgage broker can undoubtedly assist you in accomplishing different tasks such as documentation or paperwork and availing the mortgage at the available rates. They are quite professional in their work and process residential and commercial mortgage loans on behalf of the client. But at the same time, while looking for a mortgage broker, you will find such professional services at different terms and rates. So, how would you recognize who is ideal to find you the right mortgage? There is a high chance that you end up with an experienced and competent mortgage broker. But do you know they both have advantages and disadvantages? So, before you start your hunt for the right mortgage broker, we suggest you go through this blog post, listing the pros and cons of hiring a mortgage broker. All these below-listed points will surely

Stacked coins and LOAN blocks beside house

6 Options for Refinancing Your Mortgage With Bad Credit

Cierra Taylor
25 August 2021

When looking for ideal ways to refinance with bad credit, you can face many hurdles and challenges. However, there are various opportunities that you can avail yourself of to have a smooth refinancing experience. But before you look for your refinancing options, it is better to consider if refinancing is the right choice for your finances. If you are satisfied, here are the top 6 ways to refinance your current mortgage with bad credit.1. Contact your current mortgage companyTo begin finding a good refinancing source, you should contact your current mortgage company. Generally, a mortgage company has various refinancing options available for present customers. Also, they may have streamlined and term finance that can help get low rates.2. Change the loan termYour current loan term on the mortgage can greatly affect the monthly payment. With a shorter loan term, you will have to clear out your loan amount in a

HMID 101: Home Mortgage Interest Deduction

Cierra Taylor
15 July 2021

If you are a homeowner, you probably know what Mortgage Interest Deduction is. Hopefully, you have taken advantage of it before. Mortgage interest deduction is an incentive for homeowners that allows itemized deduction on interest paid on homes. Home Mortgage interest deduction is one of many tax deductions the IRS offers to homeowners and helps lower the amount owed on taxes. This specific deduction applies to loans used for purchasing, building, and improving homes and can be applied to the purchase of a second home with limitations.The deduction limit can vary. Currently, the limit is $750,000, meaning homeowners can deduct interest up to $750,000 on a mortgage. This assumes the filer is single, joint filer, or head of household.The limit does change and homes purchased within the time of the previous limits are grandfathered in. Don’t worry. Even if you refinance your home, you are still eligible for the tax deduction

Padlocked red percent symbol with faint bar chart

Comparing Adjustable Rate and Fixed Mortgages

Cierra Taylor
03 June 2021

Fixed-Rate and Adjustable Rate Mortgages are the two most common loan options. An adjustable-rate mortgage, also known as an ARM, is a mortgage loan option in which the interest rate adjusts throughout the life of the loan. The rate remains consistent for a specific period of time, then will increase or decrease depending on the market at a specified interval, usually 5-10 years. This means that your rate will change every 5-10 years for the life of the loan. A Fixed Rate Mortgage is set at one rate and remains the same throughout the life of the loan. Traditionally, fixed-rate loans have a life of 10, 15, and 30 years. Although, there are untraditional options in between depending on the lender. These two loan options are very different and it's important to know when each of these options makes the most sense for you. When the market is favorable, homeowners can take

It’s Purchase Season and a Highly Competitive Market. What Now

Cierra Taylor
26 April 2021

Although mortgage rates are at record lows, demand for homes creates a new challenge in 2021. This year has seen a large increase in demand for homes fueled by historic low rates. Now the average home buyer needs to offer ABOVE asking price, often by 10's of thousands of dollars. Inventory is dwindling while prices and competition climb. Buyers have to prepare for the highly competitive market. But how? In a world where offers above asking are turned down and a dozen offers are made on a single property, buyers must put their best foot forward at all times to stand a chance. That means making a strong first offer. Depending on the market where one is buying, there may not be a chance to counteroffer. Buyers should give a solid initial offer. Yes, that may mean above asking. Today, the average house sells above asking.Buyers should be prepared to offer

Hand with house and keys, hand with money

Why Invest in Real Estate?

Cierra Taylor
31 March 2021

Real estate investment is one of the greatest ways to build wealth today. Notice how I said build. It doesn't happen overnight, and it takes a lot of hard work, research, and experience to understand the difference between a good and bad real estate investment. However, when done correctly, it is a very lucrative way to diversify your portfolio and produce passive income. One of the major benefits of investing in real estate is freedom and flexibility. It is a source of income, it could be your only source, where you work for yourself. You get to pick and choose what areas and projects to focus your time and energy on. That is, of course, if there aren't other investors you've teamed up with. That being said, if you are going to find a partner or two, make sure they are like-minded individuals. Too often deals go south when partners

Modern white house facade framed by trees

Mortgages Loans For Self-Employed

Cierra Taylor
19 March 2021

It is common for self-employed borrowers to be denied income-based loans. The solution? Asset-based programs! Although income-based programs are common, that doesn't mean it's the right fit for everyone. It is very common for those who are self-employed to write off large portions of business expenses, affecting income. In turn, some may find it difficult to qualify for these programs. These are the borrowers that make ideal candidates for asset-based programs. Assets can include, more obviously, property and funds, but also includes 401ks, IRAs, Annuities, and more. Asset-based loan programs solve the aged issue of the self-employed being denied a loan based on income even though they are ideal candidates. Credit scores can also present issues for self-employed borrowers, which is why our largest and most utilized lender lowered their credit score minimum for self-employed borrowers from 780 to 700. This is great news for all those self-employed borrowers who were

Black Visa debit card branded Vieira Mortgage Team

REFERRAL PROGRAM

Cierra Taylor
11 March 2021

Know someone who needs a mortgage loan or broker? Refer family and friends and receive a $100 Visa Gift card per referral at the time of funding - No limitations! There are so many benefits to using the Vieira Mortgage Team. We have the lowest mortgage rates, quick closing times, countless loan programs, including no-cost loans, and more!

Modern two-story house with lit outdoor patio

Why Get a Mortgage Loan From a Broker?

Cierra Taylor
09 March 2021

Broker vs Bank.... Broker: Offers access to a variety of lenders & loan products. Brokers have significantly more options than traditional banks and can provide a better, more specialized product. Banks: Only consider their in-house products.--- Broker: By-law are required to disclose the lowest possible rate as is bill of sale and cost to you. They present different available options and allow the borrower to make the final call. Banks: There is no way to tell if you are getting the best rate/loan. They don’t even have to disclose what their earnings are. --- Broker: Represents you and your interests rather than a lending institution. They are dedicated to finding borrowers the best program that suits their financial needs. Bank: Have a financial interest in themselves and their employer --- Broker: Because they have access to an abundance of lenders and programs, there is a higher chance of being approved. Banks: Strict rules and

Modern luxury home with glass facade, reflecting pool

3 Ways to Save Money on Your Mortgage Refinance

Cierra Taylor
05 March 2021

1 | Make sure your credit is in good standing. If you currently have a lot of debt that is lowering your credit score, consider paying some of it off. A low credit score means higher rates and fewer options. There are ways to find out which debt payoffs will increase your credit the greatest. 2 | Bank or broker. Sometimes, we are more drawn to partner with banks for our mortgages because we already use their services or we've never worked with a broker before. In reality, banks are very limited on their products. Brokers have significantly more options than traditional banks and are known for having the best rates and specialized products. 3 | Avoid the Appraisal or at least prepare for one. Depending on the circumstances, you may receive an appraisal waiver to opt-out of the appraisal. This can save you on average $500. If there’s no getting around

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Vieira Mortgage

lhg-dev
30 December 2020

Testimonials

Thank you! I want to extend my gratitude to Jason and the team. They were awesome in their assistance throughout the whole process... very professional & friendly.

Excellent service – Jason Viera explained the options clearly and with no hype... just the facts. Jesse Chappell processed the application smoothly and with a personal touch that was much appreciated. I felt, and was, in good hands.

It was a pleasure working with Jason Vieira. This was my second mortgage transaction with Jason. I have enjoyed his professionalism and commitment to get the lowest possible rates and seamless closing. I would strongly recommend using them and would love to do business with him in the future.

Jason was very responsive from the beginning in getting my questions answered and then getting my documents into underwriting. There was a little hiccup with the interest rate getting locked at what I wanted, but everything was quickly resolved, and overall the process went smoothly and finished on time. Jesse, my loan processor, was always very communicative and helpful with the last few steps on the closing. I know the mortgage industry is flooded right now, so I truly appreciate the hard work that Jason and Jesse put in to get my refinance done as quickly as possible!

Vieira 360

Vieira
Mortgage
Team

Clear
Mortgage
Capital

ClearMortgageCapital

Mortgage Advice Built Around Your Financial Goals

GET STARTED

PURCHASE OR REFINANCE?

PROPERTY TYPE

ESTIMATED LOAN AMOUNT

ESTIMATED CREDIT

PROPERTY VALUE & ZIP CODE

WHO IS THE LOAN FOR?

Why Us?

Transparency

Hands-on Approach

Best Rates

On-Time Closing

Meet the Team

Jason Vieira

Cierra Taylor

Jesse Chappel

The Vieira Mortgage Team

Loan Programs

Fixed rate loans

Adjustable Rate Mortgages (ARMs)

Alternative Qualification

Jumbo Loans

FHA Loans

VA Loans

Interest Only Loans

First-Time Home Buyer

Financial Standing

Credit

Loan Programs / First Time Home Buyer Programs

Choosing a Home

Mortgage Broker in Orange County

Blog

Testimonials

Clear
Mortgage
Capital

Mortgage Advice Built
Around Your Financial Goals