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Help Seniors Find Their Forever Home

You help your clients discover the perfect place to live their best lifestyle. Let me help them secure financing that makes it possible—without monthly mortgage payments.
  • Simplify the H4P Process
    We manage the contract-to-closing process, ensuring smooth transactions and clear communication. With H4P, we educate all parties involved, including listing agents, on how these transactions rival cash offers—no surprises, no drama.
  • Partner with Clay as Your Trusted Advisor
    As a Certified Reverse Mortgage Professional (CRMP), I’ll guide your senior clients through the financing process with the same care and professionalism you provide, strengthening your client relationships.
  • Focus on What You Do Best
    Free your time to grow your business while I handle the financing details and help your clients secure their forever home with confidence.

Not Understanding H4P (Home Equity Conversion Mortgage for Purchase) Could Hurt Your Clients AND Your Business

  • Overlooking Opportunities: Without understanding how H4P works, your senior clients may settle for less home than they truly want, skip important upgrades that could enhance their lifestyle, or not qualify at all for the home they want.
  • Paying cash to avoid monthly payments isn't the only path. Encouraging clients to rely solely on cash may leave them house rich but cash poor, limiting their financial flexibility in retirement.
  • Clients want clarity on all their choices. Failing to present all viable options could lead to frustrated clients who feel their needs weren’t fully addressed—hurting trust and potential referrals.

Don’t let gaps in knowledge about H4P cost your clients their dream home or compromise your credibility.

Partner with Clay as Your "Go-To" Reverse Mortgage Financing Resource

  • Your senior clients look to you for more than just finding their next home. The best real estate professionals are true “connectors,” surrounded by trusted experts who help make their clients’ retirement dreams a reality.

  • With over 20 years of experience, I’ve helped hundreds of clients navigate purchase transactions, addressing complex situations and delivering solutions tailored to their unique needs.

  • When it comes to seniors, I focus on leveraging the Home Equity Conversion Mortgage for Purchase (H4P) to provide financial flexibility, enhance their lifestyle, and secure their forever home.

Let’s work together to ensure your clients get the financing they need to live the lifestyle they’ve worked so hard to achieve.

Schedule a Conversation

IF WE HAVEN’T MET BEFORE, HELLO!

I'm Clay

For over 20 years, I’ve partnered with Realtors to help clients secure the right financing—whether it’s purchasing their first home, upgrading to a dream home, or making smart moves in retirement. As a CPA with a background in corporate finance, I bring a problem-solving mindset to every transaction, ensuring that financing is the easiest part of the process.

I specialize in helping seniors navigate home financing during retirement. Many older buyers assume they must pay cash when purchasing a home, limiting their options and draining their savings. Often, they—and their agents—are unaware of how a Home Equity Conversion Mortgage (H4P) can help them afford more home, conserve cash, and improve financial flexibility.

That’s where I come in. I provide Realtors with the education and support they need to confidently guide their clients. By offering financing options like H4P, we can open up new possibilities—helping your clients make informed decisions while growing your business.

My mission is simple: to make sure you and your clients understand all their options, so together, we can find the best way forward.

Let’s work together.

Schedule a Conversation

What Our Clients Have to Say

"Quick and great communication. This is my 3rd loan with Signet and Clay is the sharpest loan officer I have ever used."

—Gary W., March 26, 2023

What We Do

  • Reverse Mortgage Loan for Purchase
    Preserve retirement funds and help your senior clients purchase their forever home with less cash—and no monthly mortgage payments. For clients over 55, this is a game-changing option that opens up new possibilities. It’s a solution every Realtor should share with their clients!

  • Follow Up Like Green on a Pickle
    Your clients may be looking for months or longer. Keeping BOTH of us top of mind ensures they’re ready to act when the time comes. We follow up every Thursday with clients who are “pre-approved and looking” and provide regular updates to keep everyone informed.

  • Real Estate Mortgages
    Conforming, Jumbo, and Reverse Mortgage loan options tailored to your client’s goals. Whether they’re first-time buyers, upgrading, or working toward their forever home, we focus on strategy to ensure the financing fits their long-term needs.

DOWNLOAD YOUR FREE GUIDE:

An Essential Guide to HECM for Purchase

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Let's Talk

  • Schedule a Conversation
    Learn how a Home Equity Conversion Mortgage for Purchase (H4P) can open new opportunities for your senior clients and expand your business.
  • Get the Education You Need
    Challenge me with your questions or scenarios. I’ll help you understand how H4P works and how to present this valuable option to your clients with confidence.
  • Close Transactions Seamlessly
    Partner with a trusted expert to guide well-qualified clients through the H4P process—helping them secure the home they want while you grow your business.

Top 4 things you need to know about partnering with me

I Respect Your Client Relationship.
Your clients trust you, and I value that trust. I work to complement your efforts while preserving the strong relationship you’ve built with them.

If There’s a Way to Get the Deal Done, I’ll Find It.
With decades of experience and specialized expertise in reverse mortgage loans, I uncover solutions others might miss—making even complex transactions successful.

I Thrive on Solving Unique Challenges.
I don’t cherry-pick clients. I enjoy tackling scenarios with “wrinkles,” helping to navigate the complexities that often come with senior clients and reverse mortgage loans.

I Bring a Unique and Personal Perspective.
As a CPA, a Certified Reverse Mortgage Professional (CRMP), and someone who has managed the later stages of life for five family members, I bring both professional and personal insight to every transaction. Helping seniors achieve their financial goals brings me genuine joy.

Discover how the H4P (Home Equity Conversion Mortgage for Purchase) can boost your real estate business while providing exceptional value to your senior clients.

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