Clay Collins has provided residential mortgage loan financing to potential homebuyers & current homeowners looking to purchase, refinance, or build in the Vero Beach, Sebastian, Indian River Shores, Orchid, North Hutchison Island, Fellsmere, & Lakewood Park markets of Florida for over 34 years. He is licensed to lend anywhere in Florida & has done so. He currently offers Conventional, FHA, First-time Homebuyer, Jumbo, VA, USDA, Reverse Mortgages, Commercial & non-conforming loans for borrowers that do not meet the traditional underwriting guidelines. Clay is always available Monday through Friday after hours & on weekends, as he works "borrowers" & "realtor" hours, not "banker's hours". He has been a resident of Vero Beach since 1973.