Clear Modern Mortgage- Julia Sten - NMLS 459815

Clear Modern Mortgage- Julia Sten - NMLS 459815 Department of Banking and Insurance Equal Housing Opportunity
For licensing information, go to: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/66247

Senior Loan Officer
Clear Modern Mortgage
A division of American Pacific Mortgage
NLMS 1850
Licensed by the Office of the State Bank Commissioner, Lender License #28810
Licensed by the N.J.

09/15/2026

💳 Feeling weighed down by high-interest debt?
Your home equity could be the key to relief.

With the right strategy—like a cash-out refinance or HELOC—you can roll your debt into one lower monthly payment and start saving big on interest.

Let’s turn your equity into a smart financial move.
📩 Contact us to explore your options!
https://myoc.io/LoansbyJulia

NMLS #459815

09/10/2026

Most people assume tapping into home equity means piles of paperwork and a long wait. That's not really the case anymore.

APM's HELOC is 100% online, so you can apply from your couch. It typically comes with a lower rate than a credit card, and since most of the process is digital, approval and funding move faster than people expect.

If you've got equity and want to see your options, let’s talk!
https://myoc.io/LoansbyJulia



NMLS #459815

09/08/2026

Before you fall in love with the house, it’s important to fall in love with the numbers. 👀🏡
Knowing your buying power before you start seriously scrolling can save you time, frustration, and a whole lot of “but look at that kitchen!” heartbreak. 😂
First stop: ME- Loan Advisor.
Then Zillow.
https://myoc.io/LoansbyJulia



NMLS #459815

Today, we honor the hard work and dedication of America’s workforce. Your efforts, big and small, keep our communities m...
09/07/2026

Today, we honor the hard work and dedication of America’s workforce. Your efforts, big and small, keep our communities moving forward. Wishing you a safe and happy Labor Day! 💙❤️
https://myoc.io/LoansbyJulia

NMLS #459815

09/02/2026

Light show from the my dads parking lot. If you missed it, what a show

09/01/2026

Drowning in high-interest credit card or personal loan debt?
Your home equity might be the solution.

By tapping into the equity you’ve built, you could combine that debt into one manageable monthly payment—often at a much lower interest rate. That means less stress and more savings over time.

Whether it’s a cash-out refinance, HELOC, or home equity loan, we’ll help you find the right fit.

📩 Contact me today to get started!
https://myoc.io/LoansbyJulia

NMLS #459815

The 20% down payment rule isn't the rule anymore. Many buyers purchase a home with far less. The best first step isn't s...
08/27/2026

The 20% down payment rule isn't the rule anymore. Many buyers purchase a home with far less. The best first step isn't saving more, it's understanding what's actually available to you. We're happy to walk through the numbers.
https://myoc.io/LoansbyJulia



NMLS #459815

08/25/2026

Not every homebuyer is a W-2 employee. And that’s okay.

Today's workforce looks very different than it did 20 years ago. Entrepreneurs, freelancers, real estate investors, retirees, commission-based professionals, and business owners often have income that doesn’t fit traditional lending guidelines.
That’s why we offer a variety of mortgage solutions designed for today’s borrowers.
https://myoc.io/LoansbyJulia



NMLS #459815

Popsicle or ice cream — which one wins summer for your family? Comment below and let's settle this once and for all.http...
08/20/2026

Popsicle or ice cream — which one wins summer for your family? Comment below and let's settle this once and for all.
https://myoc.io/LoansbyJulia



NMLS #459815

Self-employed doesn't mean no mortgage. Your tax returns aren't the only way lenders can look at your income. There are ...
08/18/2026

Self-employed doesn't mean no mortgage. Your tax returns aren't the only way lenders can look at your income. There are more paths to qualifying than most people realize. Let's talk through your situation.
https://myoc.io/LoansbyJulia



NMLS #459815

Address

2301 Pennsylvania Avenue
Wilmington, DE
19806

Telephone

+13024671600

Website

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