Headshot of James Clay III

James Clay III

Branch Manager

Clay & Clay Mortgage Lenders

NMLS #47632

Adress
1739 Rowan Suite A
Louisville, KY 40202
Contact Methods
Email
tel Phone
502-200-9277
fax Fax
201-340-0491
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About James

Hi, I’m Jim Clay, and I’m proud to bring you top-notch service with America’s #1 Retail Mortgage Lender! With 24 years of experience in both commercial and residential lending, and hundreds of millions of dollars in loan volume closed, I’ve built a large database of delighted clients thanks to my dedication and expertise.

Based in Louisville, KY, I’m licensed in Kentucky, Indiana, Illinois, Missouri, South Carolina, and Tennessee. I joined CrossCountry Mortgage five years ago as part of Jeremy Forcier’s esteemed team, and it’s been a fantastic journey ever since. Growing up in Danville, KY, I was honored to win a state wrestling title in 1987 and later earned a place in the Danville High School Athletic Hall of Fame with my brother John in 2018. My wrestling career continued at Illinois before finishing at the University of Kentucky.

Whether you’re looking for expert guidance on your next mortgage or refinancing, I’m here to help you every step of the way with a personal touch and a commitment to excellence.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
The kitchen of a new homeowner

Buying now means saving later

 

Don't fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you'll save upfront and thousands down the line.

Contact Us
*For full terms and conditions, visit ccm.com/buynowrefilater.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

What Our Clients Say

I thought everything when pretty good considering the Cov 19 conditions.
Michael L.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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