Clayhouse Mortgage

Doctors, your student debt isn't the whole picture. 🩺

The physician loan counts it differently: low or no down payment, even in residency, built around the career you trained for.

See what you qualify for.

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NMLS #2528999 · Equal Housing Opportunity

Zero down, and it's not just for farms. 🌾 USDA loans are one of the best-kept secrets in homebuying.

They offer $0 down in eligible areas, and a lot of Colorado towns and suburbs qualify. You might be more "rural" than you think.

See if your area qualifies.

clayhousemortgage.com/hello

NMLS #2528999 · Equal Housing Opportunity

Under contract? 🏡 Don't blow it in the final 30 days.

Until you have the keys: don't open new credit (no car, no furniture financing, no new cards), don't change jobs, and don't make large deposits a lender can't trace. These are the avoidable ways deals fall apart at the finish line.

Not sure if something's okay? Ask first.

clayhousemortgage.com/hello

NMLS #2528999 · Equal Housing Opportunity

Your credit doesn't have to be perfect to buy a home. 🏡 It just has to be good enough to start.

Plenty of buyers qualify with scores they thought were too low. A rough patch isn't a dead end.

Stop guessing, see where you stand.

clayhousemortgage.com/hello

NMLS #2528999 · Equal Housing Opportunity

PCS orders to Colorado Springs? 🇺🇸 You might be able to buy here with $0 down instead of renting.

The VA loan means no down payment and no monthly mortgage insurance, and we pull your Certificate of Eligibility for you. Fort Carson, Peterson, Schriever, the Academy: we know this market.

You earned it. Let's use it.

clayhousemortgage.com/hello

NMLS #2528999 · Equal Housing Opportunity

Everyone says "escrow" and nobody explains it. 🏡 Here's the plain version.

Escrow is just a neutral account. During your purchase it safely holds your earnest money. After you own, part of your monthly payment goes into escrow to pay your property taxes and insurance for you, spread across the year.

Questions about your payment? Let's talk.

clayhousemortgage.com/hello

NMLS #2528999 · Equal Housing Opportunity

Self-employed and told you don't "qualify"? 💼 Your tax returns aren't the whole story.

Bank-statement loans qualify you on your deposits, no tax returns, built for 1099 earners and business owners.

Let's find where you really stand.

clayhousemortgage.com/hello

NMLS #2528999 · Equal Housing Opportunity
#1099

Served our country? 🇺🇸 You may have earned one of the best loans there is.

$0 down. No monthly mortgage insurance. A benefit you can often use more than once. It starts with your Certificate of Eligibility, and we help you get it.

You earned it. Let's use it.

clayhousemortgage.com/hello

NMLS #2528999 · Equal Housing Opportunity

Before you tour a single house, know these 3 numbers. 🏡

1) The monthly payment you're actually comfortable with, not the max a bank will approve. 2) The cash you have for down payment and closing costs. 3) A ballpark of your credit score (you don't need perfect).

Know your numbers in one call.

clayhousemortgage.com/hello

NMLS #2528999 · Equal Housing Opportunity

Buying a home on acreage in Colorado? 🌾 You don't need a "farm loan" for that.

Farm Credit and USDA finance working operations. Your ranchette, hobby farm, horse property, or house on 10 acres is a residential loan. The trick is a lender who understands the well, the septic, and the outbuildings.

Let's finance your piece of Colorado.

clayhousemortgage.com/hello

NMLS #2528999 · Equal Housing Opportunity