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Pat Clay

Pat Clay

Loan Officer

7400 Beaufont Springs Dr, Suite 300, 311, 312, Richmond, VA 23225
Own what matters
Own what matters

About Me

Get To Know Your Loan Officer, Patricia Clay

Patricia Clay is a Senior Reverse Mortgage Loan Originator with over 10 years , experience originating reverse and VA loans. When it comes to her job, Patricia’s core values are trust, passion, and service. This means consistently delivering on commitments, maintaining awareness of how her actions impact others, communicating in a timely and effective manner, bringing joy and individuality to each borrower, and continually focusing on meeting the needs of her borrowers‚ even if there are obstacles in the way.

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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.



A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.


If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.


5.0 out of 5.0 stars
May 22, 2024

I have been working with Ms. Pat Clay for a couple of months on a reverse mortgage, it truly has been a joy, working with her. Ms. Pat has been hands on, and detailed as to what to expect and what not to expect. She has explained to me any questions that I might have had for her, she not once had to say, let me find out and I'll get back with you. She has been both prompt and attentive toward me. Her professionalism has stood out throughout this process.

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NMLS ID #1382057
I am authorized to do business in the states of California, Colorado, Connecticut, Florida, Georgia, Massachusetts, Maryland, North Carolina, New Jersey, Pennsylvania, South Carolina, Texas, Virginia, Washington and West Virginia. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; MA MLO Lic # 1382057; Licensed by the N.J. Department of Banking and Insurance; (;