I'm Clay, a Sr. Loan Officer with Main Street Home Loans. I pride myself on being a top professional in the marketplace with more than 16 years of mortgage-lending experience. I am very knowledgeable about the various home loan products available, including those for first-time homebuyers as well as jumbo, FHA, VA, renovation, construction, and refinance loans.
I work with some of the top real estate agents in the area to deliver a world-class experience. Referrals are the heart of my business, so I appreciate your help in spreading the word about my services.
Over the years I have served on the Board for the Richmond Mortgage Bankers Association as well as many committees for the Home Building Association of Richmond.
Here are some useful links to get you started in the loan process.
Our mortgage calculators can be used to estimate how much your monthly mortgage payments will be, see if you will save by refinancing your mortgage, or to find out how much house you can afford.
Found a good home at a great price that just needs a little work? Own a home that could use some upgrades? The 203(k) loan may be the program for you.
Applying for a loan? You may be asked to provide some of the documents on this list during the loan application. Get these items in asap to help speed up your loan process.
Confused with the complicated mortgage lingo? Here is a list of commonly used terms that may help you understand better as you speak with realtors and loan officers.
Ready to Refinance
Are you considering refinancing your home? Before you begin the process, you should evaluate your options and personal finances. This guide will help.
Home Buyer's Checklist
When house hunting, it is easy to forget or confuse the different features of the many houses you will see. Here is a checklist to assist in finding the perfect home for you.
Here are some helpful hints and a detailed timeline to prepare your family for one of the most exciting times of your life - moving day.
Saving to Buy a Home
Saving for a home is a tremendous task that requires dedication and thought. Here are some helpful hints and tips on how to save for your down payment.