The Clear Close is the strategy-first mortgage practice of Jason Kim and Peter Ahn — operating under West Capital Lending, Inc., with access to 90+ lenders across 40+ states. Below is who we are, what we've done, and why working with us looks different from a retail bank or a typical broker.
NMLS #1680429 · California DRE #02178073 · 152 verified reviews on Experience.com → · Licensed in 40+ states
Founder · Mortgage Strategist · Realtor
Jason Kim is a mortgage advisor and strategist with over $175 million in funded loans and 9+ years of specialized experience. In 2025 alone, he guided 89 homeowners through the market, following a 2024 where he helped 112 families purchase, refinance, or unlock equity.
Previously a top-performing manager at the #2 non-bank lender in the country, Jason led a team that closed over 3,800 loans and nearly $1 billion in annual volume. That leadership experience taught him what it takes to deliver results at scale — without compromising personal service.
What sets Jason apart is a 20-year background in enterprise software and full-stack engineering. He replaces standard rate quotes with a tech-forward, consultative approach — modeling scenarios, optimizing workflows, and pressure-testing the math before it shows up on a closing disclosure. Homeowners and investors trust him to deliver the clarity, speed, and real-world strategies required to navigate today's financial landscape.
Partner · Mortgage Strategist · Realtor
Peter Ahn brings a high-level background in corporate finance and business operations to mortgage lending. By viewing every transaction through the lens of a financial manager, he provides a level of strategy and transparency that goes far beyond a standard rate quote.
Peter is a dedicated advocate for his clients — combining a fresh, tech-forward perspective with an unwavering commitment to securing the most competitive deal possible. Homeowners and investors trust Peter to deliver the clarity, speed, and genuine care required to turn complex financial goals into reality.
Together, Jason and Peter run a coordinated practice: one strategist on every file, plus a coordinated team behind the scenes covering processing, underwriting communication, and post-close follow-up.
The Clear Close operates as a dba of West Capital Lending, Inc. (NMLS #1566096, California DRE #02022356) — a non-bank lender licensed in 40+ states. The structure matters: instead of being limited to one bank's loan products, we have access to a network of 90+ lenders, which means we can match your file to the program that actually fits your situation rather than the one that fits the lender's quota.
Our approach is centered on honesty and integrity. Building trust is the foundation of mortgage advice — so we prioritize transparency in every disclosure, every quote, and every scenario we run. If the math doesn't work, we'll tell you that too.
Every file starts with the goal — primary purchase, investment portfolio, refinance, debt consolidation, equity strategy — then we reverse-engineer the loan program that gets you there.
20 years of systems-integration background means a process that doesn't drop the ball at week three. We use real workflow tools, not email-as-a-database.
Every fee on the closing disclosure has a reason and a name. We walk you through every one before you sign. No surprises, ever.
A 30-minute strategy call is enough to understand your situation, run the realistic numbers, and tell you whether this is the right time to move — or whether the right answer is "not yet." No pressure, no rate-sheet pitch.
Schedule My Strategy CallFree 30-minute strategy call. No hard credit pull on the initial call. No obligation. If the numbers do not work for you, we will say so.