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About Us

Clear Numbers. Dedicated Guidance.

Clear Mortgage helps borrowers navigate purchase and refinance decisions with transparent communication and licensed local expertise.

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Why Borrowers Trust Us

Trusted by borrowers nationwide for thoughtful mortgage guidance.

Home financing decisions carry real weight. Borrowers choose Clear Mortgage because we pair licensed local expertise with plain-language guidance—so you understand your options, your numbers, and your next step before you commit.

  • Clear disclosures, not jargon. We walk through rates, fees, and timelines in terms you can follow—so confidence comes from understanding, not pressure.
  • Guidance tailored to your goals. Purchase, refinance, or equity—our loan officers match programs to your situation instead of forcing a one-size-fits-all product.
  • A process built for accountability. As a DBA of Gold Star Mortgage Financial Group, Corp., we operate with compliance-first workflows and a single point of contact you can rely on from application through closing.
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Our Story

Clear Mortgage exists to make the path to homeownership easier to understand. From first conversation through closing, our loan officers focus on clear disclosures, realistic timelines, and program options that fit real borrower goals, not one-size-fits-all templates.

Mission

Make every mortgage decision clear—through honesty in our recommendations, integrity in how we guide you, and numbers you can understand and trust from first conversation to closing.

Parent / Affiliate

Gold Star Mortgage Financial Group

Clear Mortgage is a DBA of Gold Star Mortgage Financial Group, Corp. (NMLS #3446). That affiliation connects our brand to an established mortgage organization while borrowers work with Clear Mortgage loan officers who understand local markets and program overlays.

Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval.

Leadership

Jon Prussel

Jon Prussel

President

Jon Prussel leads City First Mortgage as President, overseeing strategy, operations, and growth across the company's national footprint. He brings decades of mortgage industry leadership focused on building durable lender-borrower relationships and scalable operations.

Dennis Raico

Dennis Raico

Executive Vice President

Dennis Raico serves as Executive Vice President of City First Mortgage, driving enterprise-wide initiatives across sales, operations, and partner channels. His career spans senior roles in mortgage banking and capital markets.

Jennifer Fowler

Jennifer Fowler

Divisional Operations Manager

Jennifer Fowler leads divisional operations at City First Mortgage. She manages processing, underwriting coordination, and closing workflows that keep loan files moving from application to funding.

Jason Richardson

Jason Richardson

Divisional Director of Technology

Jason Richardson is Divisional Marketing Manager and a licensed Senior Mortgage Advisor at City First Mortgage (NMLS #256859). He oversees marketing technology, lead generation, and brand strategy across the division. Licensed in California, Hawaii, and Texas.

Daniel Milstein

Daniel Milstein

Founder & Chairman of the Board, Gold Star Mortgage Financial Group

Daniel Milstein founded Gold Star Mortgage Financial Group in 2000 and has grown the company into one of the nation's leading independent mortgage banks, with 50+ branches across the country. He is a New York Times bestselling author and a recognized industry leader. <https://goldstarfinancial.com/about/leadership/dan-milstein>

AJ Franchi

AJ Franchi

President & CEO, Gold Star Mortgage Financial Group

AJ Franchi serves as Chief Executive Officer of Gold Star Mortgage Financial Group, the parent company of City First Mortgage. He oversees enterprise operations, technology, and capital markets. [https://goldstarfinancial.com/](https://goldstarfinancial.com/about/leadership/aj-franchi)