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We Empower People to Find the Mortgage that is Right for Them

  • The FREEandCLEAR Story
  • FREEandCLEAR is a leading mortgage website that offers free tools and resources that empower people to find the mortgage that is right for them. A mortgage is usually the largest financial commitment people make in their lives but there is a lack of education and quality information about the right way to get a mortgage. If you get the process right, you find the lender and loan that are right for you plus you can save a lot of money. If you get the process wrong, it can cost you a lot of money or even worse as we experienced during the real estate crisis. We created FREEandCLEAR to help you get the mortgage process right.

    In additional to the general lack of education, getting a mortgage can be overwhelming, confusing and frustrating -- some people have shared stories with us that describe how the process reduced them to tears. Based on this feedback, we decided it was a good idea to offer a free resource that enables people to better understand the mortgage process from start to finish.

    From shopping lenders and submitting your loan application through closing your mortgage and making your first payment, FREEandCLEAR provides helpful resources and tools to guide you through the process and answer any question you may have along the way. We believe that empowering people through education, information and knowledge is the best way to enable people take control of the mortgage process and make informed decisions about one of the most important financial matters in their lives.

    We have also designed FREEandCLEAR to be a little different than other mortgage websites. Our goal is to offer a compelling experience that our users find valuable, informative and engaging. We strive to live up to our name – our site is always free to use and we offer a clear, intuitive user experience. We avoid unnecessary clutter on our site and focus on providing the user with beneficial resources and useful tools. We also welcome the participation of our community with interactive features that allow you to ask mortgage questions and provide your feedback and insights. FREEandCLEAR also generates revenue but we attempt to do it in a way that complements or enhances the user experience.

  • The FREEandCLEAR Mission
  • Our mission at FREEandCLEAR is to empower people to make better decisions and save money when they get a mortgage. We accomplish our mission by providing high-quality, comprehensive content and tools including guides, mortgage calculators, mortgage expert insights and video tutorials. Our helpful resources and rate tables bring clarity and transparency to the mortgage process and enable borrowers to easily shop for a mortgage.

    We have designed FREEandCLEAR to be easy-to-use, interactive and highly informative. Our goal is to help people find the mortgage, loan program and lender that are right for them. We hope that you find FREEandCLEAR engaging and valuable as we seek to fulfill our mission.

  • FREEandCLEAR Values
  • Put our users first. We strive to put our users first in everything we do. We do this by developing mortgage content and tools that empower our users. We recognize that if we get the user experience right, everything else will follow.

    Offer more value than expected. Our goal is to positively overwhelm our users by providing more information and value than they are expecting. We do this by providing informative and helpful resources and never charging people to use our website. We believe everyone should have access to high-quality mortgage information.

    Provide honest information and advice. We seek to provide unbiased, honest information and advice about how to get a mortgage, including how to choose a lender and loan program. Being an independent source of information makes FREEandCLEAR a more valuable resource for our users.

    Increase transparency in the mortgage marketplace. One of the reasons the mortgage process can be challenging is due to limited or confusing information. We believe that our product offerings, including our lender directory and rate tables, increase transparency in the mortgage industry and help our users make more educated choices when they get a mortgage.

    Improve mortgage education and financial literacy. Studies have shown that there is a lack of mortgage education in our school system including at the college level. Many people lack an understanding of basic mortgage fundamentals. One of the reasons we created FREEandCLEAR is to address this knowledge gap and help people become more informed and educated about mortgages.

  • FREEandCLEAR In the News
  • FREEandCLEAR has been featured in a number of leading media publications. We welcome all press inquiries as we continue to spread the word about mortgage education and financial literacy.

  • Let's Get Social
  • We have an active presence on all the major social media platforms. We would love for you to join us on Facebook, Twitter, Google+, LinkedIn and Pinterest.  We think you'll like our company.

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  • The FREEandCLEAR Team
  • FREEandCLEAR was started by Harry and Michael Jensen, a father and son team who are passionate about empowering people to make informed decisions when they get a mortgage. Harry is a true mortgage expert with over 45 years of industry experience while Michael has an extensive background in finance and the Internet sector. You can learn much more about us by visiting our team page.

  • Contact Us
  • We would love to hear from you. You can send us a message through our contact form or even better, we welcome the opportunity to connect in-person. If you are ever in our neighborhood please feel free to pay us a visit at our headquarters.

    FREEandCLEAR Corporate Headquarters
    2445 Morena Boulevard #102
    San Diego, CA 92110


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