Home Purchase Mortgage Calculators
Mortgage Program Calculators
FREEandCLEAR was founded by a father and son team who are on a mission to help people make better decisions and save money when they get a mortgage. Continue reading to learn more about the FREEandCLEAR team.
With over 45 years of industry experience, Harry Jensen is a true mortgage expert. Harry got his start as a mortgage banker in 1972 with Palomar Mortgage and opened his own mortgage brokerage firm, Jensen Mortgage Company, in 1976. Over the course of his 40-plus year career as a mortgage broker Harry has originated, processed and closed thousands of loans for satisfied borrowers. Harry’s experience spans virtually every type of loan from FHA, VA and other low down payment programs to down payment assistance grants and reverse mortgages.
Harry has worked with a wide range of lending institutions including wholesale lenders, savings and loans, banks, credit unions, insurance companies and private money lenders. He has guided countless borrowers through the mortgage process and coordinated a multitude of third party services on behalf of his clients including escrow, title, attorney, home inspections and appraisal reports.
Simply put, Harry possesses unmatched expertise about the ins and outs of the mortgage process. His position as an authority on mortgages is reflected by his numerous speaking engagements as well as the many articles and industry thought pieces he has authored over the years. Harry developed FREEandCLEAR to enable others to learn and benefit from his nearly five decades of mortgage industry experience.
Prior to entering the mortgage industry, Harry honorably served in the United States Air Force (USAF) which took him to Texas, Alabama, Florida, Alaska and eventually back to his home state of California. Harry holds a degree in Physics from San Diego State University.
Michael co-founded FREEandCLEAR in 2012 with his father, Harry. The opportunity to partner with his Dad to enable people to make better decisions and save money when they get a mortgage was too good to pass up. Michael brings a wealth of experience in finance and working with leading Internet companies to his position at FREEandCLEAR. Michael focuses on implementing FREEandCLEAR’s mission by empowering its user community through information and education and by providing high-quality mortgage tools and resources.
Prior to starting FREEandCLEAR, Michael served as Global Head of Internet Investment Banking for Credit Suisse. Michael worked in investment banking for 13 years, holding positions with Credit Suisse, Deutsche Bank and BT Alex. Brown and spent the majority of his finance career covering the Internet and New Media sectors. Michael has advised companies on numerous financing and advisory transactions including private placements, initial public offerings, follow-on equity offerings, convertible debt, leverage lending and bank financing as well as mergers, acquisitions and divestitures.
Michael’s clients included many leading domestic and international Internet and New Media companies. He has taken the best lessons learned from his experience – the user comes first, foster community interaction, focus on the long term – and applied them to develop FREEandCLEAR.
Michael’s passions include surfing, soccer, screenwriting, running, backpacking, building things and helping others. Michael holds degrees in History and Economics from Stanford University. While in college, Michael interned in the U.S. Senate.
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You can also send us a message through our contact form or we also love to connect in-person. Please feel free to stop by our corporate headquarters if you are in the area.