Mortgage broker licensed in Texas and Florida · NMLS #2538045 (949) 624-4500clean@cleanlender.com
Clean Lender

A mortgage broker that reads your tax return first

Clean Lender is led by Mustafa Temiz, a CPA and licensed loan originator in Richardson. We compare loan programs from wholesale lenders, work out which income the underwriter will actually count, and explain every number before you sign.

Start a pre-applicationSee loan programs

What would the payment be?

—/ month, principal and interest

Example figures you can change. Not a rate quote. Taxes and insurance are added in the full calculator. Full calculator

Where are you starting?

Buying a home

First home, move-up or investment property in Texas or Florida. Pre-approval, program choice and closing timeline.

Buying a home

Refinancing

Lower the payment, shorten the term or take cash out. We run the break-even before we suggest anything.

Refinance options

Running numbers

Payment, affordability, refinance break-even, rent vs. buy, points and buydowns. Eight calculators, no sign-up.

Open calculators

Learning the terms

Loan programs, the approval process and a glossary in English and Turkish.

Learning Center

Why a CPA changes the mortgage conversation

Most loan files that stall do so over income. Underwriters read tax returns line by line, and so do we, before the file goes anywhere.

  • Self-employed and 1099 income

    Schedule C, K-1s and S-corp wages are averaged over two years and add-backs like depreciation count. We calculate qualifying income the way the underwriter will.

  • ITIN and newcomer borrowers

    Some programs accept an ITIN or limited U.S. credit history. We tell you up front which ones and what documentation they expect.

  • Tax timing

    Filing a return with large write-offs can lower qualifying income. If a purchase is coming, talk to us before you file.

  • English or Turkish

    Disclosures are in English by law. We walk you through them in Turkish if that is easier.

From first call to keys

  1. Pre-application

    Five minutes online or by phone. No Social Security number at this stage.

  2. Income and credit review

    We review documents, pull credit with your permission and confirm a budget.

  3. Pre-approval

    A letter you can hand to your agent, matched to the program that fits.

  4. Under contract

    Appraisal, title and underwriting. We chase conditions so you don't have to.

  5. Closing

    Final numbers reviewed with you three days before you sign.

Licensed in:Texas — Mortgage Company License (SML)Florida — Mortgage Broker License (OFR) MBR7583NMLS #2538045NMLS Consumer Access

Talk to someone who reads tax returns for a living

A short pre-application takes about five minutes. We call you back, look at your numbers and tell you plainly which loan programs fit.

Apply now or call (949) 624-4500