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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

Meet my team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Product Info

Testimonials

Testimonials
4.95 out of 5.0 stars
5.0
4.92
5.0
Jessica
Oct 28, 2025
Huachuca City, AZ
Verified

Jay was really great to work with, communcated well and we always knew what was going on.
Malisa
Oct 15, 2025
Mountain View, HI
Verified

Jay worked quickly and efficiently. Thats definately what we needed from the get go. Thanks Jay
Rebekah L
Oct 15, 2025
Verified

Jay worked hard for my family to ensure we were able to close on our home. He was very responsive and took time to explain things I didn't understand. My husband and I are forever grateful for Jay and Guild Mortgage.
Joshua
Oct 02, 2025
Verified

I don’t even know where to start when it comes to writing a review about Jay Clayton and his team. I distinctly remember buying my first home several years ago thinking to myself I hope I don’t have to go through this process ever again. That being said Jay and his team have not only helped me with not 1,2,3,4 but 5 homes in less than 2 years. All these combined were less stressful than the one previously. This man will go above and beyond to provide the best service possible. He even got a license in another state to facilitate purchases far away. I loved the fact that you could take his word to the bank. He isn’t going to over promise and under deliver. If it can be done, and he says he can get it done then you can consider it done. He is a rare breed in today’s world. He doesn’t believe in collecting low hanging fruit. He believes in hard work, his integrity and his word, over just making a deal. Do yourself a favor if you are looking to purchase, refinance or whatever it may be and give him a chance. Himself and his team will not let you down, I promise. With five deals done in such a short period of time I look forward to many more with them with no hesitations or concerns. Thank you all sincerely for all your help and hard work. You guys are the best!!
Nathan O
Oct 01, 2025
Verified

Refinancing our home was a big decision, and we couldn’t have asked for a better guide through the process than Jay. Not only is Jay a trusted friend, but he proved to be an exceptional loan officer—knowledgeable, responsive, and genuinely invested in helping us secure the best possible outcome. From the first conversation to the final signature, Jay made everything feel smooth and manageable. He took the time to explain each step, answered all our questions with patience and clarity, and made sure we felt confident throughout. His attention to detail and commitment to our financial goals were truly impressive. What really stood out was how Jay balanced professionalism with a personal touch. He understood our situation, respected our priorities, and treated us like family. We’re incredibly grateful for his support and expertise, and we wouldn’t hesitate to recommend him to anyone looking to refinance or navigate the loan process. Thanks again, Jay—you made a potentially stressful experience feel like a breeze!
James
Oct 23, 2025
Maricopa, AZ
Verified

Jay and his team did a great job communicating and setting expectations for the refinancing process. There were a delays, however, they kept us in the loop and updated us on where we were in the process. They also responded timely to our questions and concerns.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #1983764
I am authorized to do business in the states of Arizona, California, Florida, Georgia, Hawaii, Illinois, Kansas, Minnesota, Missouri, Montana, New Mexico, Nevada, Virginia, Washington and Wisconsin. AZ BK#0018883; AZ BKBR# 1050943; AZ LO Lic.# 1009358; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; (www.nmlsconsumeraccess.org/); Branch NMLS ID 2576234; NV Mortgage Company #1141;