Skip to Content


My Name is Larry Clinton, I have been in the lending business for over 25 years. I am married with 3 adult children and 8 Grand Kids. I am truly blessed and have a home in San Clemente, CA . My goals are to help you become a home owner, or refinance your current properties and decrease your debt. At the least amount of costs.

Mortgage Calculator

Buying a home is a big investment with expenses you may not have thought about. Use our mortgage calculator to estimate your mortgage payment, including taxes and insurance.

Please enter a valid home price


30-Yr Fixed / 0% Interest
  • Principal & Interest $0
  • Property Tax $0
  • Homeowners Insurance $0
  • Mortgage Insurance $0

Additional Calculators

How Much Will My Payments Be?
Calculate your monthly payment with applicable finance charges, PMI, hazard insurance, and property taxes.

Mortgage Principal Calculator
This calculator allows you to "peek into the future", allowing you to see the remaining balance of your mortgage after several payments.

Affordability Calculator
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.

Mortgage Length Calculator
This calculator will help you to determine your savings if you make larger monthly payments.

What if I Pay More Every Month?
See how your mortgage will be reduced, if you pay $$$ more every month.

Should I Refinance?
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.

Tax Benefits Calculator
This calculator will calculate your tax savings after a house purchase. Financial analysis includes first year as well as total tax savings.

Should I Pay Points to Lower My Interest Rate?
Calculate how much points affect your monthly payments and how fast they will pay for themselves.

See what people are saying about us

Larry and his team (David S.) are a very detailed oriented, concerned with every aspect of your mortgage needs and while working very hard on solutions to get you the best rate. I have used him for 3+ loans and he is always available to discuss the best options while understanding ... READ MORE Ian McClelland Technical Director
Working with Larry was a pleasure. He is extremely easy to reach, friendly, and his staff was always knowledgeable. I would highly recommend Larry to anyone, as he always puts his clients first. Alexander Holt Senior GIS Analyst (Government/Utilities)
Larry had been nothing short of amazing to work with! I was referred by a very dear co-worker and from the first call till the end he treated us like VIP's. He was with us every step of the way on a refi, incredibly knowledgeable and always available to answer our questions. He ... READ MORE Robert & Lauren Routh Robert & Lauren Routh HR Director
Larry helped me buy my first home 3 1/2 years ago. When it came time to refinance , he was the guy (and his team) I wanted to work with. When rates started dropping at the start of COVID, I reached out and was informed it wasn’t time and they’d keep an eye out. Well they ... READ MORE Jelica Arsenijevic Jelica Arsenijevic
We have now for the second time refinanced through Larry - which a second time is nothing short of a perfect experience. Larry is a top notch professional and makes this complicated (to us) process a walk in the park, constantly updating us with status all the way to completion and ... READ MORE Hans & Alba Dehli
Larry was responsive, kind and helpful. His staff was the same. During COVID he was able to resolve everything without any issues. It was a pleasure working with Larry and his team!!Thank you Larry. Nema Nowzari
Larry went above and beyond helping us with or loan. I'll recommend him to anyone. Bonnie E Tijerina
Larry listened to our every concern while refinancing our home. He was extremely detailed to every aspect of the loan and the process. He answered any and all questions and did so in a timely manner. I also have to commend Sydney in Larry's office. Our experience was Top Notch ... READ MORE James Tinder
I trust Larry. He is very professional and knows his job well. I appreciate the excellent customer service he provides. He is the best! Thank you Larry. M. S.
Larry did a phenomenal job for us in an extremely packed market. He was able to get everything wrapped up even with a long backlog at the VA. He worked to get our package to the top of the stack!!! Highly recommend Larry for anyone purchasing a home and the rate was the best on the ... READ MORE Taylor Williams Ops engineer
This is my third refi with Larry. He has been an awesome partner on each one over the past five years. Thank you Larry for having the experience and caring attitude. Donald William Wilkerson Donald William Wilkerson
Where do I begin? This process was nothing that I ever imagined to have been. I didn’t think it would happen after another lender denied my loan due to new Covid-19 loan requirements and restrictions. However, Larry saved my mortgage and my sanity! He was able to find me a ... READ MORE Tasha Hurd Operations Manager
I found myself in the middle of a very difficult situation when my mortgage loan officer and his processing assistant both left the firm in the middle of my mortgage refinance transaction. With COVID-19 already making documentation and closing challenging, Larry stepped in and took ... READ MORE Robert Tarnofsky Senior Vice President-Real Estate
Larry has helped me through the original purchase and refi of my first house. He walked me through all of the options to find the financing plan that would work best. He suggested that I wait on finalizing paperwork until the market balanced out so that I could get the best rate ... READ MORE Mel Pickett Operations Manager
This was my first home and didn’t realize how many hoops I had to jump through for escrow to close. Not only did Larry help with the loan side of things, but he helped in so many other ways outside of his responsibilities. He made this process so much easier(especially during a ... READ MORE Spencer Gracia Spencer Gracia
Larry was very helpful during my loan process. He was able to get me a great rate and close it quickly. Thanks Larry! Kristen DeVaul
Larry shepherded a very difficult loan process and stuck with it to a successful conclusion. There were some end-of-process issues with the title company and Larry went to bat for me and was a bulldog in getting things accomplished. Douglas Lipton Douglas Lipton Attorney
Mr. Clinton, did an excellent job of providing updates and answering any questions or concerns. The process was seamless for the most part, greatly appreciated. He and his staff were friendly and helpful! I would highly reccommend he and his team to friends and family. Thank you James Dorame James Dorame QA Release Manager
Larry has been my friend in 5 transactions. I would not come back to him time after time if he was not a true professional with outstanding customer service. If you are looking for an honest, trustworthy pipe hitter, Larry is the guy you want fighting for you. Alan Carlton Happy Customer
Larry is a knowledgeable professional, and has been of great help to my family over many years. One of his best attributes in a profession filled with so much anxiety is responsiveness. Whether we like the answers or not, having someone to talk to about the lending process or loan ... READ MORE Leon Fleyshman President, The Code Corp
Larry has worked very hard to not only process our refinance. Not only has he worked hard to get our loan done, but he also strategized with me on how to get the best rate at a time where the market is extremely volatile. Larry kept me informed every step of the way, he was ... READ MORE Mike Pavick
Larry was there every step of the way and got me the best rate possible. Always available, always working for you. David Spencer
Larry was very professional and friendly. I like that he explained everything with detail. He is very professional and went far and beyond to get us the best deal. I recommend Larry and his team 100%. Guadalupe Accounts receivable

Let's accomplish more together.

Get in touch

Back to top