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Claydoesloans - Mortgage Consultant NMLS # 643155. MUFG Union Bank, N.A., is a full-service bank with offices across the United States. This is a public, not private space. EOE. All rights reserved.

We provide a wide spectrum of corporate, commercial, retail banking, and wealth management solutions to meet the needs of customers. The bank also offers an extensive portfolio of value-added solutions for customers, including investment banking, personal and corporate trust, capital markets, global custody, transaction banking, and other services. MUFG Union Bank is a proud member of the Mitsubishi UFJ Financial Group (NYSE: MTU), one of the world’s largest financial organizations. For more information on MUFG, please visit our web site: https://www.unionbank.com/global/about/company-profile/our-parent-mufg.jsp. This is not a customer service channel; please refer to our website at: https://www.unionbank.com/contactus for any customer-related questions. Facebook is owned by a Third Party and is not affiliated with Union Bank. Never disclose any personal, financial, or confidential information on Facebook. Please refer to our website at: https://www.unionbank.com/personal-banking/privacy-security/privacy-policy.jsp for our privacy policy. M/F/D/V. ©2018 MUFG Union Bank, N.A. Member FDIC. Union Bank is a registered trademark and brand name of MUFG Union Bank, N.A. Equal Housing Lender

Their loan officer forgot to lock the rate. Then Assistance Andrew showed up. 🦸‍♂️Meet Assistance Andrew, the newest mem...
10/18/2026

Their loan officer forgot to lock the rate. Then Assistance Andrew showed up. 🦸‍♂️

Meet Assistance Andrew, the newest member of my Loan Hero Squad.

The rates jumped before closing. The payment no longer worked. The deal was about to die.

Andrew's move: up to $15,000 in forgivable assistance from my new home, First Citizens, used to buy down the rate. Payment back in range. Deal saved. 🏡

The lesson: have a lock strategy, and work with a lender who knows what's in the toolbox.

Eligibility rules apply. Call or text me at (619) 708-0876 and let's see if you qualify.

Clay Sheffrey | NMLS #643155 | First Citizens | Equal Housing Lender

One block from the sand. No HOA. Imperial Beach. 🌊Open house tomorrow, Sunday, 10 AM–2 PM📍 255 Daisy Ave, Imperial Beach...
10/17/2026

One block from the sand. No HOA. Imperial Beach. 🌊

Open house tomorrow, Sunday, 10 AM–2 PM
📍 255 Daisy Ave, Imperial Beach
🏡 2 bed · 2.5 bath · ~1,600 sq ft townhome · $950,000
☀️ Private courtyard with built-in BBQ + outdoor shower
🚗 2-car garage + extra parking space

Walk the beach, grab breakfast in the Village, then come take a look.

💰 Up to $55,000 in homebuyer assistance may be available for eligible buyers. Income and program limits apply. I'll walk you through what you qualify for.

Ask me about low down payment and No-PMI options too. I'll tell you straight if this one qualifies. Medical professionals, I've got a program built for you as well.

Call or text me at (619) 708-0876.

Listed by Soraya Pizzey, DRE #01210272 | Colwell Realty IB Inc | 619-616-6455
Clay Sheffrey | NMLS #643155 | First Citizens | Equal Housing Lender

OPEN TODAY, 11 AM–3 PM! A fully redone home, ready for its next owner. 🏡📍 115 65th St, San Diego 92114🏡 3 bed · 2 bath ·...
10/17/2026

OPEN TODAY, 11 AM–3 PM! A fully redone home, ready for its next owner. 🏡

📍 115 65th St, San Diego 92114
🏡 3 bed · 2 bath · ~1,102 sq ft · 2-car garage · $789,000
✨ Designer kitchen with a waterfall quartz island
🌿 Remodeled primary suite that opens to a private backyard

Stop by, tour the home, and get real numbers. I'll be there.

💰 Up to $55,000 in homebuyer assistance may be available for eligible buyers. Income and program limits apply. I'll walk you through what you qualify for.

Ask me about low down payment and No-PMI options too. I'll tell you straight if this one qualifies. Medical professionals, I've got a program built for you as well.

Can't make it? Call or text me at (619) 708-0876.

Clay Sheffrey | NMLS #643155 | First Citizens | Equal Housing Lender

Meet Neighbor Nora. 🪧Everything's set to close… then the survey shows the fence sits two feet over the line, and Nora wo...
10/17/2026

Meet Neighbor Nora. 🪧
Everything's set to close… then the survey shows the fence sits two feet over the line, and Nora won't budge. Now there's a boundary dispute — and your loan's on hold.

Reason loans fail: property line and title problems. Encroaching fences, unclear boundaries, or title snags all have to be resolved before a lender will fund. One cranky neighbor can stall the whole deal.

Buying a home with fence or boundary question marks? Call or text me at (619) 708-0876 and we'll spot it early.

One block from the sand. No HOA. Imperial Beach. 🌊Open house this Sunday, 10 AM–2 PM📍 255 Daisy Ave, Imperial Beach🏡 2 b...
10/16/2026

One block from the sand. No HOA. Imperial Beach. 🌊

Open house this Sunday, 10 AM–2 PM
📍 255 Daisy Ave, Imperial Beach
🏡 2 bed · 2.5 bath · ~1,600 sq ft townhome · $950,000
☀️ Private courtyard with built-in BBQ + outdoor shower
🚗 2-car garage + extra parking space

Walk the beach, grab breakfast in the Village, then come take a look.

💰 Up to $55,000 in homebuyer assistance may be available for eligible buyers. Income and program limits apply. I'll walk you through what you qualify for.

Ask me about low down payment and No-PMI options too. I'll tell you straight if this one qualifies. Medical professionals, I've got a program built for you as well.

Call or text me at (619) 708-0876.

Listed by Soraya Pizzey, DRE #01210272 | Colwell Realty IB Inc | 619-616-6455
Clay Sheffrey | NMLS #643155 | First Citizens | Equal Housing Lender

Could you buy this house with $0 down AND no PMI? Come find out tomorrow. 🏡OPEN HOUSE: Sat 10/17, 11 AM–3 PM📍 115 65th S...
10/16/2026

Could you buy this house with $0 down AND no PMI? Come find out tomorrow. 🏡

OPEN HOUSE: Sat 10/17, 11 AM–3 PM
📍 115 65th St, San Diego 92114
3 bed | 2 bath | ~1,102 sq ft | 2-car garage | $789,000

The inside has been fully redone: a designer kitchen with a waterfall quartz island, a remodeled primary suite that opens to the backyard, and a private yard with a pergola.

I'll be there to walk you through two programs most buyers have never heard of:
✅ Up to $15,000 in forgivable assistance if you don't own another property
✅ NO PMI with 100% financing, and you don't have to be a veteran

Tour the home and get real numbers. No stress, just solutions.

Can't make it? Call or text me at (619) 708-0876.

Clay Sheffrey | NMLS #643155 | First Citizens | Equal Housing Lender

Meet Home Insurance Izzy. 🔥She waited till the last minute to line up homeowners insurance — then found out her dream ho...
10/10/2026

Meet Home Insurance Izzy. 🔥
She waited till the last minute to line up homeowners insurance — then found out her dream home sits in a wildfire zone, and the premium was brutal. Closing? Delayed.

Reason loans fail: no insurance, no loan. Every lender requires a policy in place before closing. In high-risk fire or flood areas, coverage can be pricey — or hard to find fast.

Shop it early. Call or text me at (619) 708-0876 and I'll tell you exactly when to lock in your policy.

POV: You’re a first-time buyer in a bright San Diego kitchen, staring at a whiteboard called “Top 5 Mortgage Fears”… and...
09/20/2026

POV: You’re a first-time buyer in a bright San Diego kitchen, staring at a whiteboard called “Top 5 Mortgage Fears”… and every single one is crossed off. The “PMI Sneaking In” fear? Circled and stamped with a big, bold NOPE. With the right guide, the mortgage process feels simple—not stressful.

09/16/2026

Kitchen-fridge “Top 5” for first-time buyers:
1) If you don’t put 20% down, the Mortgage Troll takes your snacks.
2) Your bank statement isn’t judging you—it’s just confused.
3) PMI isn’t a life sentence; it’s a problem with options.
4) Zillow is fun, but it can’t pre-approve you.
5) The best loan plan starts with one chill conversation.

Want the snack-safe plan? Let’s talk.

Golf is said to be the most efficient way to avoid getting old. I dont know who said it but im going with it.
09/16/2026

Golf is said to be the most efficient way to avoid getting old. I dont know who said it but im going with it.

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