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Tap Into Home Equity Without Touching Your Mortgage—Fast & Flexible!
No Money Out-of-Pocket Options Available!
Start A Line Of Credit Quote In Seconds
Minimum Credit Score Of 640 & No Late Payments Req'd To Qualify
The Clear Close Is The Quick and Easy Way to Access Your Home Equity
Unlock your home's value and secure a better interest rate. Use a HELOC to consolidate high-interest credit card or personal debt.
With over 30 years of experience and 8000+ loans closed, you're in good hands with us.
What is a HELOC?
Who Can Benefit from a HELOC?
A HELOC is ideal for homeowners who:
- Plan Home Improvements – HELOCs are commonly used for renovations or repairs, and in some cases, the interest may be tax-deductible.
- Want to Consolidate Debt – Homeowners can combine multiple high-interest debts, like credit card balances, into one lower-interest loan.
- Need to Cover Education Costs – HELOCs can help pay for college tuition, often offering lower interest rates than private student loans.
- Prefer Lower Interest Rates – Compared to personal loans and credit cards, HELOCs typically come with more competitive rates.
- Require Financial Flexibility – Borrowers can access funds for various needs, withdrawing only what they need, when they need it.
Plan Home Improvements – HELOCs are commonly used for renovations or repairs, and in some cases, the interest may be tax-deductible.
Want to Consolidate Debt – Homeowners can combine multiple high-interest debts, like credit card balances, into one lower-interest loan.
Need to Cover Education Costs – HELOCs can help pay for college tuition, often offering lower interest rates than private student loans.
Prefer Lower Interest Rates – Compared to personal loans and credit cards, HELOCs typically come with more competitive rates.
Require Financial Flexibility – Borrowers can access funds for various needs, withdrawing only what they need, when they need it.
Things to Consider Before Getting a HELOC
- Your Home is Collateral – If you fail to repay the loan, your home may be at risk of foreclosure.
- Tax Deduction Eligibility Varies – Consult a tax professional to determine whether your HELOC interest is deductible. In some cases it is.
- Assess Your Financial Situation – Carefully review loan terms, repayment obligations, and your ability to manage the debt responsibly.
Meet Your Mortgage Team
At West Capital Lending
Jason Kim
NMLS# 1680429
Jason Kim is a mortgage and financial professional with over $150 million in funded loans and 8+ years of lending experience. In 2024 alone, he helped 112 homeowners nationwide. As a former top-performing manager at the #2 non-bank direct lender, Jason led a team closing over 3,800 loans annually, totaling nearly $1 billion a year. With 20+ years in enterprise software and full stack engineering, he brings a tech-forward, consultative approach to lending—focused on clarity, creativity, and results. Jason helps homeowners and investors make smarter financial decisions with real strategies—not just rate quotes.
Nikki Yun
NMLS# 13516
Nikki Yun is a highly accomplished mortgage professional with 20+ years of experience in the real estate financing industry. With over 5,000 loans closed and $1+ Billion in funded volume, she has built a stellar reputation for her expertise, integrity, and unwavering client commitment. She has achieved milestones few others have, consistently receiving Top Loan Officer Award, ranking her in top 5% of loan originator in the country. As a Vice President at West Capital Lending, she leads a team of professionals who share her dedication to excellence and service. Nikki takes pride in delivering a seamless, stress free lending experience through proactive communication, attention to detail, and deep industry knowledge.
Jason Kim is a mortgage and financial professional with over $150 million in funded loans and 8+ years of lending experience. In 2024 alone, he helped 112 homeowners nationwide. As a former top-performing manager at the #2 non-bank direct lender, Jason led a team closing over 3,800 loans annually, totaling nearly $1 billion a year. With 20+ years in enterprise software and full stack engineering, he brings a tech-forward, consultative approach to lending—focused on clarity, creativity, and results. Jason helps homeowners and investors make smarter financial decisions with real strategies—not just rate quotes.
Nikki Yun is a highly accomplished mortgage professional with 20+ years of experience in the real estate financing industry. With over 5,000 loans closed and $1+ Billion in funded volume, she has built a stellar reputation for her expertise, integrity, and unwavering client commitment. She has achieved milestones few others have, consistently receiving Top Loan Officer Award, ranking her in top 5% of loan originator in the country. As a Vice President at West Capital Lending, she leads a team of professionals who share her dedication to excellence and service. Nikki takes pride in delivering a seamless, stress free lending experience through proactive communication, attention to detail, and deep industry knowledge.
Why Consider Refinancing?
Homeowners are lucky to have this rare opportunity.
Rates have literally never been as low as they are now.
And it's unlikely we'll ever see such a thing again!
This economic environment has made it possible for the vast majority of homeowners to benefit from refinancing, whether they want to...
- Save $100's each month or $10,000's on their loan overall
- Use the funds to pay down higher interest debts
- Make improvements to their home
-
Skip a mortgage payment or two
-
Shorten or lengthen the term of their mortgage
-
Get cash out to invest in other opportunities.
But no matter what you could benefit most from, it would be a mistake not to take advantage of this opportunity!
No one knows exactly how long rates like this will last, but they probably won't like this forever!
Why Take Our Refinance Quiz?
This quiz was designed with two purposes in mind.
The first being so you could get a quick assessment on whether or not refinancing would make sense for your situation or be possible.
The second is to introduce you to us.
We've put together this free resource to provide genuine, cost-free assistance from one of the best lenders on the planet (and all lenders are not created equal).
We wanted to help as many people possible save money or make wise financial decisions. Our community and country need this kind of advice more than ever and we've stepped up.
When you take this quiz, if we think we can help you reach your goals, we'll let you know and provide no-cost information, guidance and quotes.
To provide no-cost, truly personalized results, we recommend providing the most accurate answers possible.
- We're NOT asking anything overly personal
- We will NEVER sell or share your information
- We're NOT collecting sensitive info on the quiz (like social security numbers or other data)
Who Can Benefit From Refinancing
There are a lot of factors to be considered, but as a general guide...
...if your mortgage rate can be reduced by 0.75% or greater, it will usually make sense to refinance.
Of course we'll help guide you on that after taking the quiz.
And for a large number of people, this will be a real possibility.
And when we provide quotes, we'll break down the savings or cash out potential for you!
Recent statistics show that...
...there are about 5 Billions Dollars worth of mortgages currently on the market that could benefit from a refinance.
That's a lot of mortgages and yours could be one of them!
We Certainly Hope We Can Help You!
Start the quiz now so we can help assess your situation and begin locking-in low rates while they're still here.
Copyright 2025 - The Clear Close is a DBA of West Capital Lending - NMLS# 1566096 · DRE# 02022356 -Privacy Policy
(www.nmlsconsumeraccess.org). We are an approved equal housing lender. This page was last updated on 03/11/2025.
The Clear Close is a DBA of West Capital Lending an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington DC, 20580.
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CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT www.sml.texas.gov. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT www.sml.texas.gov.