C2 Financial Corp - Vero Beach, Florida Office

Clay Collins
Senior Loan Officer

Welcome to my website. As an experienced mortgage loan originator, I will work with you to find the best loan to fit your needs. By combining the best of state of the art secure digital tools and good old-fashioned phone or in person communication we will make it a quick, educational experience. I don’t want to just close a loan for you, but to make a lifetime connection.

I have over 36 years of residential mortgage lending experience in Indian River County, Florida and am approaching 4,000 closed home loans during my career. I have been a resident of Vero Beach, Florida since July of 1973 when my family moved from the Chicago area. I graduated from Vero Beach High School in 1976, the University of Florida in 1980 with a Bachelor in Science of Business Administration, and the Roy E. Crummer School of Business at Rollins College with a Master of Business Administration in 1983. Upon returning to Vero Beach with my wife Jenae, a Vero Beach native, I went into the field of banking. Early in my career I found that I enjoyed providing mortgage financing in connection with the purchase, refinancing, or construction of homes. I decided at that time to work "borrower's" and "real estate agent's" hours and not "banker's" hours. As a result, I am always available after hours and on weekends to meet or speak with potential and current borrowers. My mission has been to provide borrowers , no matter what the loan size, with "Concierge" level service.

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With today's historically low rates, now is a great time to get financing. Complete our quick secure application, and we will get you a custom quote with different options and review which one best fits your needs!

Welcome To C2 Financial Corp - Vero Beach, Florida Office

Clay Collins of C2 Financial Corp - Vero Beach, Florida Office, specializes in providing residential mortgage financing in Indian River County and throughout the State of Florida. Whether you are purchasing a home or refinancing your current residence, he can help you. First-time homebuyers or experienced real estate investors can benefit from his extensive knowledge of mortgage lending. His office is located at 1054 20th Place, in the Ameriprise Financial Services office, directly across from the Vero Beach City Hall. He has been a resident of Vero Beach for over 52 years and has 36 years of residential mortgage lending experience. Clay shops interest rates, lender's fees, and loan programs from approximately 125 lenders across the nation. The Vero Beach office of C2 Financial Corporation offers the following loan products/programs:

1. Conventional

2. FHA

3. VA

4. First-time homebuyer

5. Down payment assistance programs

6. Jumbo

7. Reverse Mortgages

8. USDA Rural Housing

9. Renovation loans for Conventional, FHA, VA, and USDA

10. Non-qualified mortgage loans - bank statement loans for self-employed borrowers who may not show all of their income (always popular), fix and flip for real estate investors, debt-service coverage ratio loans for borrowers looking to purchase investment properties and want the rental income used to qualify for the loan (very popular), non-warrantable condominium loans for developments that do not meet the guidelines of Fannie Mae/Freddie Mac (very big in Florida), Foreign National loans (also big in Florida)

11. Commercial real estate loans

12. Hard money loans, from private investors, for investors looking to purchase or refinance residential investment properties or commercial properties. Not for use with owner-occupied primary or second homes

13. Home equity lines of credit or fixed rate home equity loans

Contact Clay Collins today to discuss your mortgage loan options and find out which program best fits your needs.