Clay Collins has been a resident of Vero Beach, Florida since July of 1973 when his family moved from Glenview, Illinois.  He graduated from Vero Beach High School in 1976, the University of Florida with a B.S.B.A. in 1980, and the Roy E. Crummer Graduate School of Business at Rollins College with an M.B.A. in 1983.  Upon returning to Vero Beach with his wife Jenae, a Vero Beach native, he went into the field of banking.  He found that he enjoyed helping peope buy, build, and refinance homes.  Clay now has 40 years in banking/lending with over 34 of those years in residential mortgage lending.  His mission is to provide every borrower or potential borrower with "Concierge" level service. He shops from approximately 80 lenders across the nation to find the lowest interest rate and lender's fees available to each borrower.