Clayton Robison - Your Mortgage Sensei

Clayton Robison - Your Mortgage Sensei About Your Mortgage Sensei

Clay Robison is a nationally recognized award-winning Mortgage Advisor, with over 30 years of Mortgage Lending experience.

Clayton Robison (NMLS: 275897 / 1850 Licensed in CA, CO, AZ BK, TN) a Mortgage Advisor at American Pacific Mortgage Corporation, a Banking Firm dedicated to helping home owners achieve wealth and financial security. With his educational approach in the mortgage process, Clay has helped over 2,400 families obtain financing to secure the home of their dreams. As a consistent Top 1% Mortgage Loan Or

iginator who has secured more than $1 Billion Dollars of loan volume for his clients. Clay uses his vast knowledge in the industry to guide his clients through the complexities of the lending process with easy-to-understand concepts to simplify the lending process. With his commitment to providing “World Class Service,” Clay has been acknowledged as a Top “5” Star Mortgage Professional. Clay’s thoughts and insights have been featured in numerous publications such as San Diego Magazine and 5 Star Professional. He is a graduate of San Diego State University, a licensed real estate broker, and a register investment advisor. As a mortgage advisor, Clay can simplify the complexities of the mortgage process for anyone who is looking to secure their first, second or investment property. Why Your Mortgage Sensei? Many people have asked me what is a Mortgage Sensei? Simply put Sensei is a Japanese word for Teacher. When you are financing the largest transaction of your life, you want to know that the person you are working with is a professional. That they can guide you through the mortgage process. You want someone who can be your “guide” or “sensei”. Most of my life, I have been involved in Japanese Karate and Martial Arts. I have been blessed and fortunate to have been trained, taught, and guided by some of the most accomplished and amazing Sensei’s in the World. They have helped me become an accomplished martial artist. With over 30 years of Mortgage Lending, Real Estate and Financial Experience, I share my knowledge with my clients to teach and guide them through the sometime complex environment of Mortgage Lending. After you do something repeatedly through repetition you become a Master. By being a Sensei, I am a guide to assist you in the intricate, complex, and volatile world of Mortgages. I am here to be Your Mortgage Sensei, to guide you through your journey. CONTACT:
Clay Robison
Your Mortgage Sensei
American Pacific Mortgage
NMLS # 275897 | 1810

515 Encinitas Blvd. Suite 202 | Encinitas, CA 92021
858.335.5626 Mobile
760-452-2565 Fax
Email: [email protected]

https://calendly.com/clay-robison
www.ampmortgage.com/ClayRobison
www.ClayRobison.com

A division of American Pacific Mortgage Corporation 1850 Equal Housing Opportunity

06/02/2026

Based on your current income, this is an estimate of what you might qualify for in terms of a loan or mortgage. It's important to note that this figure is based exclusively on your income and may vary once lenders consider other financial obligations, such as car payments, personal loans, credit card balances, and other recurring expenses.

If you're interested in learning more about your qualification potential and wish to explore further, feel free to send me a direct message.

05/28/2026

There's something fishy going on
*****************************************
In The Housing Market And It's Backed By Wall Street
You've Probably Heard About It

Giant Firms Like Blackstone
Are Buying Up Tens Of Thousands Of Single Family Homes

Effectively Wiping Out Inventory
For First Time Home Buyers

Their Goal
To Monopolize The Residential Real Estate Market
And Turn The Average American Into A Permanent Renter

Real Estate Is Nearly
18% Of Our GDP

If Wall Street Controls The Homes
They Control The Economy
Is The American Dream Being Sold To The Highest Bidder

Dm Me With Your Thoughts 🏠

05/27/2026

Rent Inflation in 30 US Cities changes from 2020 - 2026. In Six years inflation has been drastic for some major us cities Miami being the top with a 53% rent increase in the past two years. Following was Tampa at 50%. See Reel for full list.

05/26/2026

Happy Labor Day! A well-deserved tribute to the contributions of hardworking individuals who keep our nation strong and vibrant.

05/21/2026

Switzerland stands out with the highest household debt per person globally, reaching an astonishing $149,500.

This figure is more than twice the average household debt in the United States, highlighting a significant financial distinction. Interestingly, six of the top ten countries with the highest household debts are located in Europe.

Leading this list are Switzerland, Luxembourg, and Norway, each of which demonstrates unique economic characteristics that contribute to their high debt levels.

It's important to understand that high household debt levels are not solely indicative of financial distress. In many cases, they reflect thriving real estate markets and the high cost of homeownership.

Countries with substantial mortgage markets often see elevated debt levels because of the significant investments individuals make in purchasing property.

The cost of housing in these regions is a major factor, as it can drive up the amount residents need to borrow to afford homes.

This trend underscores the complexity of interpreting debt figures, as they can be influenced by a variety of factors including real estate dynamics, cultural attitudes towards homeownership, and the strength of local economies.

05/19/2026

I WAS GOING TO GAY KEEP THIS BUT ITS WAY TO GOOD GOT TO SHARE THIS WITH YOU

HERE IS HOW TO BUY A $400,000 HOME WITH JUST $4,000 DOLLARS

FIRST STACK UP AN FHA LOAN WITH A STATE ASSISTANCE PROGRAM THAT COVERS ALMOST YOUR ENTIRE DOWN PAYMENT

NEXT WE NEGOTIATE WITH THE SELLER TO COVER YOUR CLOSING COST WHICH IS VERY COMMON IN THE 2026 MARKET WITH BUYERS BEING CHOOSIER NOW SELLERS ARE MOTIVATED TO SAY

DM ME TO SEE IF YOU QUALIFY

05/14/2026

Here's a look into the cities with the most affordable rental prices among 100 cities in the United States as we project into 2026.

Currently, the average rent across the nation stands at $1,843, reflecting a diverse range of living costs throughout various regions.

Notably, Toledo, Ohio, emerges as the city with the lowest average rent, coming in at just $1,060. This makes Toledo an attractive option for those seeking more economical living arrangements. Its affordability could be attributed to a variety of factors, including local economic conditions, real estate market trends, and regional demand for housing.

This information is particularly valuable for individuals and families planning relocations, as well as for businesses considering expansion into areas with lower operational costs due to reduced living expenses for employees.

Additionally, for students and young professionals, cities like Toledo offer a cost-effective alternative without sacrificing urban amenities and opportunities.

As rental prices continue to be a significant consideration for many, keeping an eye on such cities could provide substantial savings and a better quality of life.

05/13/2026

How much income is needed to buy in 2026?

Buying a home in 2026 looks different than it did a few years ago. The question is not just “What is the home price?” but also “What monthly payment fits your life?” This chart shows the cities where you need the least income to afford the medium home price on that city.

Here are the top 25 Cities where you will need a hefty salary to be able to afford a home. The Highest Salary requiered to afford the Medium Home Price in 2026. Starting with San Jose at a $458,504 Annual Income to Purchase a $1,920,000 Medium Home Price with a Monthly Payment of $10,698.


05/12/2026

Questions from our follower:
I am getting married but we are debating if instead of having a wedding using that money for a home downpayment? How much would $17,000 afford?

The average wedding in 2025 cost $35,000
let's see what that buys you instead
after gifts your net cost is about $17,000
in today's market sellers are often closing costs
so that becomes a 3.5% FHA Downpayment
on a $480,000 Home.

I'm not a marriage counselor
but I can give you great home advice

DM me to get started

05/07/2026

The cost of living in major cities across the United States continues to soar, especially when it comes to renting. As of 2026, San Francisco, California, takes the lead as the city with the highest average rent, reaching a staggering $3,830. This vibrant metropolis, known for its iconic Golden Gate Bridge and bustling tech industry, demands a significant price for those wishing to call it home.

Following closely behind is New York City, New York, where the average rent is $3,706. The Big Apple, famous for its diverse culture, towering skyscrapers, and vibrant arts scene, continues to be a highly sought-after location, which is reflected in its rent prices.

Boston, Massachusetts, ranks third with an average rent of $3,510. This city, steeped in history and home to prestigious universities, offers a unique blend of old-world charm and modern innovation, making it a desirable place to live despite the high cost.

In fourth place, we have Irvine, California, with an average rent of $3,361. Known for its master-planned communities and thriving business environment, Irvine appeals to many with its clean streets and family-friendly atmosphere, contributing to its position on this list.

Rounding out the top five is San Jose, California, where rent averages $3,222. As the heart of Silicon Valley, San Jose is a hub for technology and innovation. The demand for housing in this area is driven by the numerous tech companies and startups that call it home.

These cities exemplify the trend of rising rental costs in urban areas, reflecting the demand for housing in places that offer abundant employment opportunities, cultural amenities, and lifestyle benefits. It's a clear indicator of the premium placed on living in cities that are at the forefront of economic and cultural significance in the United States.

Address

527 Encinitas Boulevard Suite 202
Encinitas, CA
92024

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm

Telephone

+18583355626

Website

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