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 native of Vero Beach, he went into the field of banking.  He found that he enjoyed helping peope buy, build, and refinance homes.  He 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.