Gregory Clark

Loan Originator

NMLS#152168

En Español →

AZ, CA, TX

Start Here

Where do you stand right now?

Pick the situation that fits and I’ll point you in the right direction.

🏠

Buying my first home

"I don't know where to start, or if I can even qualify."

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💼

I'm self-employed

"My income is a little complex. Can I still get a mortgage?"

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🎖️

I'm a veteran or active military

"I've earned a VA loan benefit. How do I actually use it?"

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📈

I'm buying an investment property

"I want to grow my portfolio. What are my financing options?"

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✅

I'm ready to apply

"I know what I want. Let's get moving."

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Don’t see your situation? No problem. In 20 years I’ve worked through just about every scenario, including refinances, reverse mortgages, and USDA. Just give me a call:

480-570-6426

What I Do Best

Here's Where I Specialize

“As a broker, I compare dozens of lenders to find what works for your situation. These are the three areas where I spend most of my time.”

Conventional Loans

“For buyers with steady income and solid credit, a conventional loan can mean a lower long-term cost and no mortgage insurance once you have enough equity. I’ll run the numbers so the choice is clear, not confusing.”

Learn about conventional loans →

FHA Loans

“FHA loans are often the smartest path for buyers with a smaller down payment or a shorter credit history. I’ll compare FHA to conventional side by side, so you can see which one actually saves you money over the life of the loan.”

Learn about FHA loans →

Non-QM & Specialty Loans

“Not everyone fits in a standard box, and that’s fine. If you’re self-employed, an investor, or have income that’s tough to document, Non-QM programs like bank statement and DSCR loans can open the door. I’ll find the program that fits how you actually earn.”

Learn about Non-QM loans →

These are my top three, but I work with the full range of loan programs available →

Here's How It Works

No surprises, no pressure. This is what the process actually looks like.

1

Tell me your situation

"We talk through your goals, your timeline, and your finances. No commitment. Just a conversation."

2

I review your options

"I shop your scenario across multiple lenders and bring back the best options with real numbers."

3

You choose the best fit

"You decide. I'll walk you through each option in plain English, without the pressure or the jargon."

4

We close - I'm with you

"From application to closing keys, I manage the process and stay reachable the whole way."

No commitment required. Just a conversation.

The Process

Here's How It Works

Four simple steps. I handle the heavy lifting and keep you informed the whole way.

1

We talk

Tell me your goals. I listen first, then explain your options in plain language.

2

Get pre-approved

I review your numbers and give you a clear budget so you can shop with confidence.

3

Find your loan

As a broker, I compare lenders to find the loan that fits you best, not the other way around.

4

Close with ease

I stay proactive through underwriting so closing day is smooth and on time.

Run the Numbers Yourself

Use these free tools right here. No login, no forms, no sales calls.

Mortgage Payment Estimator

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Home Price ($)

Down Payment ($)

Down payment cannot exceed the home price.

Loan Amount ($)

Loan amount cannot exceed the home price.

Interest Rate (%)

Loan Term

Monthly Tax + Insurance (optional)

Estimated Monthly Payment

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This is an estimate only. Your actual payment may vary based on your loan type, credit profile, and lender. Contact Steve for an accurate quote.

Use the full mortgage calculators and tools →

How Much Can I Buy?

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Household Income — Pre-Tax

Include all borrowers who will be on the loan. Enter your combined pre-tax income.

Monthly Debt Payments ($)

Include car payments, student loans, credit card minimums, and any other monthly loan payments. Do not include household bills such as rent, utilities, phone, or insurance.

Down Payment ($)

Based on what you've entered, you may qualify for a home up to

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This is an estimate based on standard debt-to-income guidelines. Your actual buying power depends on your credit score, loan type, and lender. Talk to Steve for a real number.

Talk to Gregory Clark for a real number — 480-570-6426 →

From the First-Time Homebuyer Guide

Know your real number before you shop

Understanding pre-approval vs. pre-qualification so you shop with confidence, not guesses.

Down payment assistance is more common than you think

Most buyers don't realize help exists in their state. This guide shows you what's available.

Closing costs are negotiable

Knowing what's negotiable before you make an offer can save you thousands.

“I share this guide with every first-time buyer I work with.”

— Gregory Clark

Free PDF — No email required

Wondering What Rate You'd Qualify For?

Your rate depends on your credit score, loan type, and financial profile, not a national average. Let me show you what you actually qualify for.

Why I Do This Work

“Don’t put off until tomorrow what you can do today.” — Benjamin Franklin

I’m Gregory Clark, a loan originator with Lender Express. I’ve spent 20 years helping people buy homes, and I serve clients across Arizona, California, and Texas.

I find real fulfillment in guiding buyers through the market. Whether it’s a first-time buyer making that first purchase or a growing family stepping into their next chapter, my focus is the same: education and relationships. There’s no greater sense of accomplishment than handing a client the keys and knowing I helped them secure their future.

Before mortgages, I worked as a realtor and spent time in construction. That background gives me a view most loan officers don’t have. I understand the deal from the agent’s side and I know how a home actually comes together. When you work with me, you get someone who sees the whole transaction, not just the loan.

I’m not here for a one-time loan. I’m here to build a relationship for now and for the future. I care about getting it right, and I want to be the person you call the next time, too.

I’m a broker, so I’m not tied to one lender’s products. I shop your loan across many lenders and bring you the options that fit best. You get a real comparison, not just whatever one bank happens to offer.

Buying a home is one of the largest investments you’ll ever make. I take that seriously, and I’ll treat your purchase with the same care I’d want for my own family.

Licensed in AZ, CA, TX

NMLS#152168

20 Years Experience

Former Realtor

Good Questions

Questions I Hear Most

Straight answers, no sales pitch. Browse the mortgage glossary for more definitions.

Understanding the Broker Model

What’s the difference between a mortgage broker and a lender?

A lender offers only their own loan products. As a broker, I shop your loan across many lenders to find the best rate and terms for your situation. You get more options and a true comparison, not just whatever one institution happens to offer.

How do I know which loan program is right for me?

That’s exactly what our first conversation is for. The right program depends on your credit, income, down payment, and goals. The answer isn’t always obvious. I’ll walk you through your options with real numbers so you can make an informed choice, not just take whatever you’re handed.

Getting Started

What’s the difference between being pre-qualified and pre-approved?

Pre-qualification is usually a verbal estimate based on what you tell me over the phone or online. It’s a starting point, not a commitment. Pre-approval is a full review of your actual income, credit, and assets, and it comes with a written letter you can show to sellers and agents. Sellers take pre-approval seriously. If you’re serious about buying, pre-approval is where you want to be.

How long does it take to get pre-approved?

Most borrowers get a decision within 24 to 48 hours of sending in their documents. In simple cases, same-day pre-approval is possible. The faster you get me your income documents and ID, the faster we can move.

What documents will I need to get started?

For most borrowers: your last two years of tax returns, last two pay stubs, last two months of bank statements, and a government-issued photo ID. Self-employed borrowers may also need a profit and loss statement, or we can look at a bank statement program instead. I’ll send you a specific checklist once we talk.

Credit and Qualification

How does my credit score affect my rate and loan options?

Your credit score affects both which programs you qualify for and the rate you’ll be offered. A higher score generally means a lower rate and more options. But a lower score doesn’t shut you out. FHA loans, for example, allow scores as low as 580. I’ll tell you exactly where you stand and what, if anything, is worth fixing before you apply.

Can I get pre-approved if I’ve had credit issues in the past?

Often, yes. Past credit issues don’t automatically disqualify you. It depends on what happened, when, and what your situation looks like today. Bankruptcy, late payments, and collections are all evaluated differently depending on the loan program. The best thing you can do is have an honest conversation with me so we can look at your full picture, not just a number.

Specialty Programs

I’m self-employed and my taxes are complicated. Can I still get a mortgage?

Yes. Self-employed income trips up a lot of buyers, but there’s more than one way to qualify. Beyond standard loans, Non-QM programs let us use bank statements or a profit and loss statement instead of tax returns. I’ll look at how you actually earn and match you to a program built for it.

What is a Non-QM loan, and who is it for?

Non-QM stands for non-qualified mortgage. It just means the loan uses guidelines outside the standard government rules, which gives us more flexibility. These programs are built for self-employed borrowers, real estate investors, and people with income that’s tough to document the traditional way. Bank statement loans and DSCR investor loans both fall under this umbrella.

I want to buy an investment property. Can you help with that?

Yes. Whether it’s your first rental or another addition to your portfolio, I work with investor programs including DSCR loans, which qualify you based on the property’s rental income rather than your personal income. We’ll look at your goals and the numbers together so the deal makes sense as an investment.

Working with Gregory Clark

You were a realtor before. How does that help me?

It helps more than you’d think. I’ve sat on the agent’s side of the table and I’ve spent time in construction, so I understand the whole transaction, not just the financing. That means I can spot issues early, talk plainly with your agent, and keep your purchase moving when something gets complicated.

You serve three states. Are you local to me?

I’m licensed in Arizona, California, and Texas, and I work remotely, so I serve clients across all three. You’ll submit your application and documents through a secure borrower portal, and signing is done electronically. Wherever you are in those states, the process is just as smooth.

How does the mortgage process work when everything is done remotely?

Exactly the same as in person, just without the commute. Application, document collection, appraisal coordination, underwriting, and closing are all handled electronically. Your documents go through a secure borrower portal, so your information stays protected. I stay reachable at every step.

Licensing

Gregory Clark
NMLS#152168.

Verify licensing at www.nmlsconsumeraccess.org.

State Mortgage Loan Originator Licenses

AZ: LO-0911284

CA: CA-DFPI152168

TX: 152168

Lender Express Mortgage LLC is a licensed mortgage broker, not a lender. Loan programs, rates, and eligibility requirements are subject to change and vary by borrower.