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  • Image 1 Housing debt often exceeds investable assets. Managed properly can benefit overall retirement plan success.
  • Image 2 Incorporating Home Equity in client's financial plans can help accomplish more than they dreamed of in retirement
  • Image 3 Work with a partner you can trust to handle your client relationship with the same care as you do

IF WE HAVE NOT MET BEFORE, HELLO!

I'm Clay

For over 20 years, I’ve helped homeowners, investors, and retirees make smart financing decisions—whether it’s buying a first home, refinancing, or using home equity to strengthen a retirement plan. As a CPA with a background in corporate finance, I take a strategic, problem-solving approach to mortgage planning, ensuring that every transaction aligns with my clients’ long-term financial goals.

I’ve also personally experienced the challenges that come with planning for retirement, managing care for loved ones, and making major financial decisions later in life. From helping my grandmother remain independent at 102, to structuring a reverse mortgage that gave my aunt financial peace of mind, I’ve seen firsthand how the right financial tools can create security and stability.

That’s why I partner with financial planners like you—to help integrate home equity into retirement strategies. Whether it’s a reverse mortgage, conventional financing, or a home equity line of credit, I provide tailored solutions that give your clients more flexibility, financial security, and peace of mind.

My mission? To educate and empower you and your clients, ensuring they understand all their options so they can make informed choices that support their retirement goals.

Let’s start a conversation.

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Real Estate Financing Decisions can be Smart OR Not So Smart.

Knowing the difference is the key to building equity.
  • Sending a client off to find their own mortgage loan means you miss the opportunity to position yourself as a trusted resource.
  • Most clients do not receive options and choices of loan strategy. The lowest rate is seldom the best choice.
  • Without a funding option outside of a portfolio draw, market volatility will greatly reduce the probability of a retirement plan success.
  • Recommending a course of action without considering home equity might miss an important option to improve outcomes for your client.

Strategy applied to real estate financing will benefit every financial plan

  • Purchase
    Help clients find the loan options tailored to their present circumstances as well as their short and long term goals.

  • Refinance
    Solutions that will address your clients' need for cash out, improving payments, and consolidating debt.

  • Retirement
    Strategically accessing home equity will improve the outcome of any retirement plan.

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What Our Clients Have to Say

"Clay and his associates were the upmost professional, and always on top of my challenging circumstance!! He has earned my repeat business for all future endeavors."

Chuck “CRASH” Golden
September 1, 2024

"Clay and Rica went above and beyond with our VA loan. Their professionalism and quick actions helped us land our dream home! We are forever grateful to them."

Lisa Goodman
June 23, 2024
"The service and kindness Clay and his team showed me, was the best I’ve ever had. I am a widow, and he worked tirelessly to get me the best refi that I could afford at the lowest rate available. I know that I will never go elsewhere for help as long as I own my home. Thank you again Clay and Team."

—GAYLE CALKINS, July 7, 2023

Partner with Clay as your
"go to" mortgage advisor resource

  • Partner with a guide that has an extensive financial background and is a CPA, Explore options that incorporate tax, cash flow and clients situation applying strategy to finance their real estate.
  • Helping clients safely access home equity and have a better retirement provides comfort and security to plan for and manage future bumps in the road.
  • The lowest rate is seldom the best choice. Not properly considering the closing costs and the expected timeline can be the difference between a successful and failed transaction.

What We Offer

  • Conventional Mortgage
    Conforming, Jumbo, VA, FHA, USDA, and Renovation Loans. Strategies for financing a home or investment property purchase, First Time Homebuyers and those working towards their forever home.
  • Refinancing
    Strategic perspective in advising refinance options that help clients achieve short and long term goals for their family.
  • Reverse Mortgage
    Home Equity Conversion Mortgage (HECM) and Home Safe jumbo mortgages up to $4 million. Access home equity wisely and improve retirement outcomes.
  • Equity Lines
    An equity line can help consolidate debt, get that remodeling project done or while adding flexibility and retaining that low rate mortgage client got a few years ago

DOWNLOAD YOUR FREE GUIDE:

Four Awesome Ways Financial Advisors can Help Clients Improve Retirement Outcomes

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  • Image 1 Schedule a conversation
  • Image 2 Challenge me with scenarios that are troubling you
  • Image 3 Feel confident you have an awesome resource available to you and your clients

Top 3 things you need to know about partnering with me

  • I respect your client relationship and how valuable that is.
  • If there is a way to get a deal done, I will find it.
  • I do not cherry pick clients and enjoy the chase finding solutions to unique or complicated scenarios. I find joy in making things happen for a family.
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Discover how the H4P (Home Equity Conversion Mortgage for Purchase) can boost your real estate business while providing exceptional value to your senior clients.

Please provide the following details, and you will receive a direct link to the webinar recording:

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