Ted ClaySenior Loan Officer
How much home can you afford?
Find out by prequalifying right here, right now.
OK Lic. #: MLO01963
10 E CAMPBELL
EDMOND , OK 73034
OK Lic. #: MLB02586
Ted Clay offers each client the accumulated benefit of his 25 years of experience in the home financing industry. Over the years, he has helped first-time home buyers with down payment assistance and low down payment loans, families purchase a home in a rural area with a USDA loan, and homeowners finance home renovations or repairs.
Ted uses his experience and knowledge to educate all clients on each stage of the loan process and sets realistic expectations, so there will be no surprises at the end.
Homeowners like working with Ted as he can clearly explain how the current home loan process differs to when they previously purchased their home. Loan programs evolve, and new programs get created. Ted takes continuing education classes to provide each client with their best loan options and makes them aware of how some loan programs can affect their short and long-term financial goals. Ted’s goal is for his clients to confidently make their decisions, have no surprises at the end and feel that the loan process was more straightforward than they initially anticipated.
Awards and Recognition
- Certified Mortgage Planning Specialist
- Edmond Board of Realtors Affiliate of the Year 2008
- Recognized Top 1% Mortgage Originators In America 2016, 2015, 2013,
What We Offer
CONVENTIONAL, FIXED RATE MORTGAGE LOANSYou have good credit and a down payment saved.
These mortgage loans offer several repayment period terms. Different repayment terms offer different, mortgage rates. Their fixed interest rates are desired by many because the principal payment and interest rate does not increase over time.
FEDERAL HOUSING ADMINISTRATION (FHA) LOANYou are a first-time homebuyer, want a low down payment or have concerns about your credit score.
FHA Loans generally involve a lower down payment compared to conventional mortgages but the loan amount may have limitations.
RENOVATION LENDINGYou want to renovate your home or buy a “fixer upper” and renovate
Whether you’re remodeling a kitchen or doing a complete home overhaul, Certainty Home Loans has four lending options—one that’s sure to be right for your needs.
JUMBO LOANSYou want to borrow above the home loan limit in your area.
Loans that exceed government limits—Fannie Mae and Freddie Mac—are called Jumbo Loans. They are often used to purchase higher balanced homes and can carry higher interest rates and points.
USDA HOME LOANSYou want to purchase a home in a rural area.
If you’re thinking of buying a home in a rural area but not sure how you can afford it, these loans could help. They were created by the federal government to help low- to moderate-income families afford a home in rural areas.
DEPARTMENT OF VETERAN AFFAIRS (VA) LOANYou are a U.S. military veteran or in active military service.
VA loans often deliver great benefits for eligible veterans and their families, such as the possibility of zero down payment and seller-paid closing costs.