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Profile picture for Clay Branch

Clay Branch

Zillow All Star

The All-Star badge is given to top contributors of the Zillow community. These are active Zillow users who share their real estate knowledge and help others by contributing high-quality content. The more and better the contributions, the more likely an award will be granted. Users' contributions can be seen in their profiles.


Mortgage Banker (23 years experience)

Purchase Loan,
Self Employed Clients

Add personality to your profile! Tell the community about yourself, your home, and your profession.

Low Jumbo Rates to $2M

100% LTV up to $417K, No Mortgage Insurance ( Not USDA or VA ) 

Construction Perm


NOTE: The quickest way to reach me is by email. Feel free to email with questions about the loans listed above or any other mortgage program. Please use or

Lending in GA, AL, FL, SC, NC, VA, TN., WA.

NMLS 718097 
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Ratings & Reviews


12/04/2014 - odoms45
Closed refinance loan.

We found Clay through this website when we were looking for someone to help with a streamline refinance on our investment property, and it was clear from the first time we talked with him that he knew his business well. We had not been able to find anyone previously with experience and knowledge on this type of loan, but Clay was extremely familiar with it and made the process a very easy one for us. He returns calls immediately, is clear in his instructions of what he needs, and very easy to work with. He helped us figure out how to keep our costs as low as possible, and is very honest and trustworthy about your best options. If you're looking for someone you can trust that will work with you to get you the best loan, he should be your first call! We highly recommend him. Thanks, Clay!  More Less 

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11/13/2014 - jwneville
Closed purchase loan.

I reached out to Clay after he answered a VA loan question in the forums. I needed someone to handle a second tier entitlement VA loan and Clay wasn't afraid to dive in. The loan process went smoothly with all of the usual doc requirements and so forth. Clay was very responsive both by phone and text, this is a huge thing to me. Clay is a straight shooter and I never felt deceived or misled in any way. I wouldn't hesitate to do business with Clay again or recommend friends and family to Clay Branch.  More Less 

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06/18/2013 - stayghost
Closed refinance loan.

We cannot possibly recommend Clay enough – by far the best RE/Mortgage professional we have ever dealt with! I decided to reach out to Clay after reading sterling reviews of his service on the internet. Initially I was anonymous just trying to get a sense of what possibilities were out there for our loan and the type of professionals we were working with. I was just asking for advice and understanding – not an actual loan. Clay gladly jumped in and offered incredibly detailed and accurate insight. His analysis was devoid of any sales pitch or funneling us towards profitable extras. He answered question after question on how to achieve the best deal, what was best for our scenario, and what to avoid with a broker/lender to make sure we shake out right. He created scenarious and worksheets to help us under the premise we would likely be using it generally while shopping for a loan with other vendors. Truly an amazing advocate on the side of the loan CONSUMER! It was refreshing, honest, and showed an amazing understanding of his craft and genuine desire to be successful by being the best advocate for the consumer.

It was after two weeks of advising me on generic loan scenarios that I let him know I would actually like to go with him to move forward with the loan. His sterling service continued with sound advice on holding for the best rate, maximizing credits / minimizing costs, and gladly clarifying and going over scenarios well into the process. Literally I would send him an email and get a response back within 30 minutes at all times of the day and night! Paperwork and follow-ups digitally or FedEx’d overnight. He even called after hours to help with notary appointments etc.

As younger home owner … Clay’s combination of expertise, honesty, desire to create the best deal on behalf of the consumer, and importantly - ease of accessibility(!!!) by phone / email / text, make him the ideal mortgage professional to work with.

I’ve already recommended Clay to my neighbors, fam and friends. And when we upsize our home in the future, I will be working with Clay again as well. Believe the reviews – this dude is the real deal!
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