Whether it is your first home, your dream home or retirement home, we are all in. We are passionate about helping clients understand options and make the best decision for financing their home or investment property and achieve short and long-term goals.
A CPA, a long career in corporate finance and the last 19+ years as the president/owner of Signet Mortgage, Clay brings problem-solving, income tax and finance experience to every transaction. Our team consistently receives five-star reviews through Google and Facebook.
Recently, one of the most cherished comments we received from a client was “Clay has become family …”.
We are big enough to have access to all the leading conventional and reverse mortgage lenders – yet small enough to help you achieve your financial goals in real estate as if you were family.
Clay (NMLS #168365) is the owner/broker of Signet Mortgage. He started it in 2003 after a career in corporate finance and as a practicing CPA. As “chief strategist” Clay leads the group and is responsible for figuring out the best way to structure transactions and get them done. Clay, his wife Jai and their border collie Rori, like to get outside in their Sprinter van traveling all over the country with National Parks as the common destination. They have three adult kids and seven grandkids.
Rica (NMLS # 1977912 ) is a Loan Partner making sure transactions go smoothly, researching options and resolving the inevitable issues that arise before anyone knows they were a problem. Rica has over 10+ years of experience as a loan partner, loan officer and processor. Rica lives in Las Vegas and enjoys eating out, watching movies, visiting with friends and staying home with her dog. She has a daughter and son in law that live in Montana and hopes to have grandkids soon.
Rachael is responsible for the interface with lenders, title companies, appraisal management companies and credit reporting agencies. In her spare time Rachael enjoys going to the local farmers markets, trying new foods and learning how to grow anything in an Arizona garden.
Michelle also lives in Arizona and is the person that keeps the back office in order so we can focus on serving clients and referral partners. She has four adult children and enjoys reading, volleyball and hiking in her free time.
Sandy is a 30+ year veteran of the mortgage industry having run her own wholesale mortgage company. Sandy’s experience is particularly useful when we want to qualify a borrower in an unusual situation. Sandy is semi-retired, living in west Reno with Michael. She is gracious to help out when needed and her experience is invaluable.
Dave (NMLS #283206) leads the Idaho branch and is a veteran of the mortgage industry. He has extensive experience working through complicated transactions and enjoys helping individuals build wealth through real estate. He has been married to Satu for 30+ years and enjoys hiking, spending time with the grandkids and travelling.
Judy (NMLS# 319524) recently joined Signet Mortgage after running her own brokerage, Reverse Mortgages Only, for nearly 20 years. She is a former contributor of news articles about aging to the San Francisco Examiner and is a passionate educator, having spent years addressing myths and misinformation in the industry. She has a small menagerie at home and adds litters of foster kittens during kitten season.