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Clear 2 Close Home Loans

Clear 2 Close Home Loans uses the very latest in online technology to provide you with the most competitive rates in the industry! We use a virtual platform to help keep our cost low and pass the savings onto the customer. As a home buyer, you will close faster and easier than ever before.

We use technology to provide face-to-face consultation for clients that want to meet with their loan officer. Clear 2 Close Home Loans is a privately held mortgage banking corporation licensed in the State of Florida. We provide home purchases and refinances for residential homes, new construction loans, commercial, investment or foreign national loans.

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How do we do it?

Clear 2 Close Home Loans uses the most up to date innovations in loan technology to help reduce cost. You don’t need a “Rocket” to close your loan with us! Your online loan application provides you with the opportunity to supply everything we need to approve the loan in just 30 minutes!

In most cases, we can save up to 5 days of processing with our online loan application process. This savings in time and effort enables us to provide the lowest rate – no matter what your credit rating. Our procedures focus on closing loans in as little as 21 days. In this business, speed equals savings!


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When you work with our Business Enhancing Program, you will:

  • Have the opportunity to participate in our lead sharing.
  • Sell more property with less hassle and earn more money in the process.

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Found Your Dream Home?

Use our easy online application to get qualified in minutes. The Clear 2 Close Secured online application process will help you be in your new home in under 30 days!

Apply now!

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Loan Services

Whether you are buying or refinancing a residential property or commercial property, we have a low rate loan for you.

  • Our Gold Standard Pricing is available for all clients, regardless of credit score!

Why Choose Us

Easy Online Application

Complete the application. You can attach any documents available from online resources. If the thought of an online application scares you, we can help. Our representatives can walk you through the application process if you have questions. And if you complete the application on your own, we’ll look through the information you submit and get back to you with questions. Either way, we’ll talk. And we’ll answer any questions you may have as we go over your loan application with you. When your application is processed, we issue a pre-approval and get a loan commitment WITHIN Days!

The Next Step Is Up To You

Once you’ve received our loan commitment, you just have to find the home or commercial property you want to buy! Our goal is to close all loans within 21 days. It’s fast, easy and best of all, you save thousands of dollars because you’ll get the lowest rate possible. And during the time before your loan closes, we’re here for you. Just give us a call or send us an email and our representatives will get back to you.

Need a Realtor® You Can Trust

We have several available in the zip codes you are looking for and can recommend one from our Realtor Partner List. These realtors are vested and trusted by C2C to provide the professional service you need to find your home.

About Clear 2  Close Home Loans

The company was started by Michael Ninomiya, who has 16 years’ experience in the mortgage industry after spending 15 years’ on the trading floors on Wall Street. As a result of his expertise in both the real estate and banking industries, Mike saw the need to innovate the entire home loan process. By gathering online partners and working with mortgage specialists, Clear 2 Close Home Loans has had a positive impact for both buyers and sellers in the state of Florida. Look for expansion into other states in the near future.

What Customers Are Saying

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I have used Mike Ninomiya on 2 home loans and was very happy with the process. Mike and his team provided great service and were available through the entire process. I will always Mike and his team for all my home mortgage needs.


Edward D. Penn