Our Services

Our goal at Claire Financial Services is to help you get the right mortgage loan; whether you're buying, building, renovating or refinancing.

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What Makes Us Different

We believe that everyone should have enough Income to Live A Better Life in retirement and enough Equity to leave a legacy to their grandchildren. We also believe that owning Real Estate is a great place to start; that is why we aim to find the right loan, every time for everyone we deal with.

Mortgage Loans To Purchase A Home

At Claire Financial we specialize in getting you the right homeloan whether you're buying your first home, second home or a rental property.

We can help you to buy a home whether you are employed (getting paystubs and a W2) or an Independent Contractor (getting a 1099) or if you are Self-Employed and own your own business.

Your success in becoming a homeowner is our business and our focus. So you won't find us using a lot of industry jargon like FHA, VA, Conventional, QM, Non-QM, or USDA loans. Those are the tools we use to get you into a home.

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Frequently Asked Questions

What's so special about First Time Home Buyer Programs?

The main things are that they offer a lower interest rate, lower fees for that rate and lower mortgage insurance premiums. many programs that people think are for First Time Home Buyers are actually available to anyone buying a house to live in (not a rental property).

What credit score will I need to buy a house?

It depends on the loan program and lender. Some programs allow you to get a loan with no credit score at all. Others require a minimum score of 500 or 620. Lower credit scores usually mean a higher down-payment and higher interest rates.

Mortgage Refinancing

Refinancing can be a good idea, but sometimes you should think twice before doing it.

Refinancing your mortgage should result in a real and tangible benefit to you, two of those are reducing your monthly payment and getting cash to generate passive income to you.

Many homeowners refinance to consolidate debt, but there are many, many, ways you can use your home equity to generate additional income. And we believe, that's a better reason to refinance.

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Frequently Asked Questions

Is it always a good idea to refinance my mortgage?

No, it depends on a few things mainly how long you plan to stay in the house after refinancing. You may get a lower monthly payment but there is a cost to refinancing and you should talk to your Loan Officer to make sure the numbers make sense.

If I refinance my mortgage, does the 30 years start over?

Not necessarily. Many people get a 30 year mortgage because it has the lowest monthly payment, but when you refinance you can change the length of time of the loan from 10 years up to 30 years.

Reverse Mortgages

Reverse mortgages through Claire Financial Services are an excellent solution for the right people, and offer benefits that are not available with a regular mortgage.

Most seniors (and Real Estate Agents) believe that reverse mortgages are only for refinancing, but they can be used to purchase a home as well.

One of the biggest challenges is that most people do not have a clear understanding of this loan. It is a powerful and versatile financial tool, that offers benefits that are unmatched by any other type of loan.

If you or your parents have thought about getting one, book an appointment and get clear, honest, answers to your questions before you make a decision.

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Frequently Asked Questions

If I get a reverse mortgage, does the bank own my home?

Contrary to popular belief, the bank does not own your home when you get a reverse mortgage. They do place a lien on it, just like they do when you get any other mortgage.

What happens to my reverse mortgage if I go into a nursing home?

It depends on how long you stay in the nursing home. You are allowed to be away from your home for up to 1 year (12 months), whether you go to a nursing home, go stay with family or go somewhere else.

Get in touch with us

Here at Claire Financial Services, our goal is to help you to get the right mortgage loan whether you're looking to buy, build, renovate or refinance.

If you have a question but you're not quite ready to apply for a mortgage, or get pre-approved, you may give us a call, send us an email or use this form to send us your question.

(772) 281-4515

[email protected]

1680 SW Bayshore Boulevard, Suite 104, Port St Lucie FL 34984

Monday - Friday, 9:00 am - 5:00 pm

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Claire Financial Services, LLC is a boutique Mortgage Broker located in the beautiful city of Port St Lucie, Florida.

Our mission is to find the right mortgage loan every time, for everyone we serve, so that they can either create or leverage Home Equity to Live A Better Life.