Headshot of James Clay

James Clay

Branch Manager

Clay & Clay Mortgage Lenders

NMLS #47632

1739 Rowan Suite A
Louisville, KY 40202
Contact Methods
tel Phone
fax Fax


About James

Jim Clay has a large database of delighted customers due to his outstanding service level.

He's a master of his craft, which comes with 24 years of commercial and residential lending experience, and hundreds of millions of dollars in loan volume closed. Licensed in Kentucky, Indiana, Illinois, Missouri, South Carolina, and Tennessee, Jim was hand-picked to join mortgage guru Jeremy Forcier's team with CrossCountry five years ago. He grew up in Danville, KY, won a state wrestling title in 1987, and was enshrined with his brother John in the Danville High School Athletic Hall of Fame in 2018. He went on to wrestle at Illinois for a couple of seasons and later finished up at the University of Kentucky.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
The kitchen of a new homeowner

Buying now means saving later


Don't fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you'll save upfront and thousands down the line.

Contact Us
*For full terms and conditions, visit ccm.com/buynowrefilater.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

What Our Clients Say

Quick Contact Form

Send me a message below or give me a call at 502-200-9277

Recent Posts and Articles