Photo of Tammy  Clay
Phone
MAIN: 937-475-6887
OFFICE: --
NMLS: 673278
Company NMLS: 227262

Tammy Clay 

Mortgage Loan Originator 

Not what you were looking for?

Scroll through the list below to find our branch locations and Mortgage Loan Originators.
Phone
MAIN: 937-475-6887
OFFICE: --
NMLS: 673278
Company NMLS: 227262

Tammy Clay 

Mortgage Loan Originator 

Get ready to get approved!

It’s easy to get prepared for your application. Depending on your unique financial situation, there are several documents you might need when applying for a home loan. It’s a good idea to start prepping your financial documents before you start to ensure a smooth application process. Here is a list of the most common documents to have on hand before you start:

  • Two most recent years W2s
  • Two most recent years tax returns (personal & business if applicable)
  • Two most recent paystubs
  • Two most recent months bank statements
  • Two most recent months 401K or retirement statement
  • Copy of front of valid drivers license

Apply Now

Click link to see applicable state licensing.

About

As you consider selling, buying, refinancing, or even building your dream home, there is a lot riding on your Mortgage Loan Originator. With mortgage programs and market conditions changing constantly, you need to make sure you are working with a skilled professional who can respond to you quickly.

As an experienced Mortgage Loan Originator, I understand everyone’s financial situation is different and should be treated as such. I am committed to providing my customers with mortgage services that exceed their expectations. I have the knowledge and expertise you need to make the right choice for you and your family.

I hope you’ll check out my website, look through the different loan programs I have to offer, and use USA Mortgage’s secure online application to start the journey towards your new home. After applying, I’ll give you a call to discuss the details of your loan, or we can find a time to meet in person to look over it all together. I can always be reached by phone, fax, or email for individualized service or if you have questions throughout the process. I look forward to working with you!

Reviews

12 Reviews Found. Average score 4.89 out of 5 Stars
Now showing page 1 of 2.

Leah H. in Huber Heights, OH

Great Experience on April 23, 2024
Tammy is awesome! I am glad she was the one to help me through this process. She followed up quickly and was always more than willing to help! Great job!
Loan Originator: Tammy Clay

Adam B. in Dayton, OH

Great Experience on December 20, 2023
Tammy worked tirelessly to assist me in making my dream to own a home a reality. No matter the time, Tammy was always available whenever I had a question. She also kept me well informed and was always quick to provide me with updates. I could not have asked for a better experience from Tammy.
Loan Originator: Tammy Clay

Lauren S. in Lewisburg, OH

Great Experience on December 9, 2023
Tammy Clay made it a great experience. She was thorough, informative, and walked us through the entire process. She genuinely cared and made our dreams a reality.
Loan Originator: Tammy Clay

Meredith M. in Dayton, OH

Great Experience on November 30, 2023
Tammy helped us get a competitive rate, was responsive, and we really appreciated her gift on closing day
Loan Originator: Tammy Clay

Ronald B. in Hamilton, OH

Great Experience on November 25, 2023
There was a pretty big last-minute curveball we were thrown on the day before closing that caused us to send it back to underwriting. And by curveball, I mean the deal we agreed upon was not held up on the lender’s end. If we knew earlier, it wouldn’t have been an issue. But the day before made it especially difficult. In the midst of working everything out, Tammy became impatient with us because we were not happy with the last minute communication, and she blurted out “what’s done is done” instead of apologizing. I realize she is a professional and I have a great deal of respect for her. I also realize she was probably just as frustrated as we were. Nonetheless, I think that could have been handled better.
Loan Originator: Tammy Clay

Kyle M. in Dayton, OH

Great Experience on November 4, 2023
Tammy, helped us get pre approved on a Sunday so we could put and offer in. She also walked us through any questions we had as first time buyers.
Loan Originator: Tammy Clay

Kieran C. in Englewood, OH

Great Experience on October 28, 2023
the ease of communication, interaction, friendliness, patience, etc. she was very available and within reach at all times.
Loan Originator: Tammy Clay

John O. in Dayton, OH

Great Experience on September 19, 2023
The efficiency.
Loan Originator: Tammy Clay

Not what you were looking for?

Scroll through the list below to find our branch locations and Mortgage Loan Originators.