Our Loan Options

Discover Your Ideal Mortgage Solution with Clayton Mortgage

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Welcome to Clayton Mortgage, your trusted partner in securing the keys to your dream home. With an array of mortgage options at your fingertips, we're here to guide you through the process and help you make the right choice for your unique financial situation. Explore the various mortgage options Clayton Mortgage offers, and let us help you take the first step towards homeownership.

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Why Choose Clayton Mortgage?

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Before we delve into the world of mortgage options, it's essential to understand why working with us is the best decision:

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1. Expert Guidance: Our team of experienced mortgage professionals is well-versed in the industry. We'll provide expert guidance, ensuring you make informed decisions that align with your financial goals.

2. Diverse Mortgage Portfolio: Clayton Mortgage offers a diverse range of mortgage products to cater to a wide spectrum of needs, whether you're a first-time homebuyer, refinancing, or looking for investment opportunities.

3. Personalized Solutions: We understand that one size doesn't fit all. Our personalized mortgage solutions are designed to match your unique requirements.

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Now, let's explore the mortgage options Clayton Mortgage has in store for you:

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1. Fixed-Rate Mortgages

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Our fixed-rate mortgages provide stability and predictability with a consistent interest rate throughout the loan term. Enjoy peace of mind with fixed monthly payments.

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2. Adjustable-Rate Mortgages (ARMs)

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For those seeking flexibility, our adjustable-rate mortgages offer lower initial interest rates that adjust periodically. Ideal for those planning to refinance or move in the near future.

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3. FHA Loans

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First-time homebuyers and those with limited down payment options can benefit from our Federal Housing Administration (FHA) loans, featuring competitive rates and flexible credit requirements.

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4. VA Loans

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Clayton Mortgage proudly offers VA loans to eligible veterans and active-duty service members. These loans come with excellent terms, including low or zero down payment options and competitive interest rates.

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5. Jumbo Loans

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If you're eyeing a high-value property, our jumbo loans can provide the financing you need. These loans exceed conventional limits and offer flexibility for luxury home buyers.

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6. USDA Loans

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Our USDA loans are perfect for rural and suburban homebuyers, offering 100% financing and competitive interest rates to make homeownership more accessible.

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7. Interest-Only Mortgages

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Interest-only mortgages allow you to pay only the interest for an initial period, resulting in lower initial payments. Ideal for those with variable income or investment plans.

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8. Balloon Mortgages

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Balloon mortgages provide lower initial monthly payments with a larger final payment due at the end of the loan term. They are suitable for those with short-term financing needs.

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9. Construction Loans

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For those building their dream home, Clayton Mortgage offers construction loans to finance the building process and transition to a traditional mortgage upon completion.

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10. Reverse Mortgages

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Seniors looking to tap into their home equity can explore our reverse mortgage options, converting home equity into income or a line of credit without monthly payments.

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At Clayton Mortgage, we believe in tailoring mortgage solutions to fit your unique needs. Our dedicated team of mortgage experts is committed to helping you find the perfect mortgage solution to achieve your homeownership goals.

Don't let the mortgage process overwhelm you. Contact us today to schedule a consultation with one of our experts and embark on your journey to homeownership with confidence!