Claydoesloans - Mortgage Consultant

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 Mitsubis

hi 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

09/02/2026

Line up your home purchase like a clean approach shot: set your budget, get pre-approved, then choose a loan setup that keeps your costs low. Keep your eyes on the target (that sunset flag) with a steady plan and a calm finish. Clay Does Loans keeps it simple—so your next step feels easy.

09/01/2026

Picture this: a bright orange cabin “dream home” on a coastal bluff at sunrise—your fresh start waiting on one decision.

If you had to choose, would you lock the view first or lock the budget first—and why?

My take: lock the budget with a quick pre-approval, then shop with confidence. Drop your answer below.

08/31/2026

“Do we really have to pay PMI?” If you’re a first-time buyer, that question is more common than you think. We hopped on a quick laptop chat, broke down the options in plain English, and mapped out a simple path to avoid mortgage insurance (when it makes sense). Calm plan. Clear next steps. Conversation first.

Meet Student Loan Lilly. 🎓Great income, dream home picked out… then her student loans blew up her debt-to-income and the...
08/27/2026

Meet Student Loan Lilly. 🎓
Great income, dream home picked out… then her student loans blew up her debt-to-income and the approval slipped away.

Reason loans fail: student loan debt. Even deferred loans can count against you — lenders often use 0.5%–1% of the balance as a monthly payment, and it adds up fast.

Good news: the right loan program can treat that debt differently. I know which ones — and how to make the numbers work.

Carrying student loans? Call or text me at (619) 708-0876 and let's run your real numbers.

Sunset tee times hit different at Torrey Pines. 🌇⛳Best office view in San Diego. Im still available though if you need ...
08/26/2026

Sunset tee times hit different at Torrey Pines. 🌇⛳

Best office view in San Diego. Im still available though if you need me call or text me at (619) 708-0876.

08/25/2026

Staring at rate charts and feeling stuck? You’re not alone. A quick call is all it takes to map out your options, your timeline, and even ways to avoid PMI when possible. Home loans get a whole lot easier when you talk to a real person.

Meet Overdraft Ollie. 🌊His bank statements are a sea of red — bounced checks, NSF fees, negative balances. Underwriters ...
08/25/2026

Meet Overdraft Ollie. 🌊
His bank statements are a sea of red — bounced checks, NSF fees, negative balances. Underwriters took one look and hit the brakes.

Reason loans fail: messy bank statements. Overdrafts signal risk, and lenders scrutinize the last 2–3 months of your accounts. A string of them can sink your approval.

The fix is simple: keep your accounts clean and positive before you apply.

Want a gut-check on your statements? Call or text me at (619) 708-0876 and we'll get you ready.

08/23/2026

Buying your first home (or refinancing) doesn’t have to feel intimidating. Clay breaks it down in plain English—Buy / Refi / No PMI—so you know exactly where you stand and what comes next. One quick conversation can turn “I’m not sure I qualify” into a clear next step. Message Clay to get started.

Meet Credit Freeze Fred. 🧊He froze his credit to block scammers — smart! — then forgot to unfreeze it. Now his lender li...
08/22/2026

Meet Credit Freeze Fred. 🧊
He froze his credit to block scammers — smart! — then forgot to unfreeze it. Now his lender literally can't pull his report, and his loan's stuck in the ice.

Reason loans fail: a frozen credit report. A security freeze is great protection, but it blocks lenders too. The fix takes five minutes — just lift it before you apply.

Not sure if yours is frozen? Call or text me at (619) 708-0876 and we'll check before it costs you time.

08/16/2026

Under a moonlit golf course, even the ducks can spot it instantly: the “just browsing” buyer who’s actually ready, the golfer paying PMI like it’s a club fee, and the couple that wins by asking ONE question up front—“What’s my best path to the lowest monthly payment (including PMI)?”

Want the ducks’ advantage? DM me “PAYMENT” and I’ll help you map it out.

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Los Angeles, CA

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