Conventional
The workhorse loan. As little as 3% down for qualified buyers, with mortgage insurance that drops off once you hit 20% equity.
Get my rate
5.0 on Google
NMLS 2347094
Your home loan, handled.
I'm Angie Clayson, a mortgage loan originator who answers the phone, explains every number, and keeps fighting when a file gets hard. No jargon, no surprises, no guessing where you stand.
“I have never seen anyone fight so hard, through so many obstacles, with such positivity.”
- 3%Minimum down on a conventional loan
- 3.5%Minimum down on an FHA loan
- $0Down payment on a VA loan, if you're eligible
- 3 daysTo your written Loan Estimate, required by law
- $0To get pre-approved and run your numbers
2347094
NMLS ID · Verified on NMLS Consumer Access
Meet Angie
A lender who treats your file like family.
As your UMortgage Loan Originator, my goal is to simplify the mortgage process and make your home loan experience easy to navigate. That means plain-English answers, honest numbers up front, and a real person on the other end of the phone, not a call center.
You'll never wonder where things stand
Clients consistently say the same thing: she responds fast, hits every deadline, and keeps you updated at each step.
Creative when the file gets hard
Self-employed, thin credit, a tricky appraisal, a deal that fell apart? Those are the ones worth solving, and I keep looking for options until we find one.
Fast, without cutting corners
Backed by UMortgage's broker platform and a wholesale lender network, so you get competitive pricing and a close that keeps its date.
“Please reach out so I can help start your home financing journey.” Angie Clayson · Loan Originator, NMLS 2347094
Loan Options
The right loan is the one built around you.
Working as a broker means shopping a network of wholesale lenders on your behalf, instead of selling you the only product on one shelf.
FHA
Built for buyers with a smaller down payment or a credit history that's still being rebuilt. Flexible guidelines, 3.5% down.
See if I qualifyVA
Earned it. Use it. $0 down, no monthly mortgage insurance, and pricing that's hard to beat for veterans, active duty and spouses.
Check my entitlementFirst-Time Buyer
Never done this before? Good. That's my favorite kind of client. We'll walk it start to finish, and look at down payment assistance you may qualify for.
Start with step oneRefinance & Cash-Out
Lower the payment, shorten the term, drop mortgage insurance, or turn equity into a remodel, a payoff, or breathing room.
Run the numbersSelf-Employed & Investor
Write-offs shouldn't cost you a house. Bank-statement, P&L and DSCR options price off your real cash flow, not just a tax return.
Let's talk structure
How It Works
Four steps. Zero mystery.
You'll know what's happening, what's next, and what I need from you, every step of the way.
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Get pre-approved
A short application and a real credit review. You walk away knowing your true budget and monthly payment, before you fall in love with a house.
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Shop with confidence
Your agent gets a pre-approval letter that sellers take seriously. I'm reachable nights and weekends when an offer needs to go out now.
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Lock & underwrite
Under contract. I shop the lender network, lock your rate, and drive appraisal, title and underwriting so nothing sits waiting.
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Close & get keys
You review a final number with no surprises on it, sign, and get the keys. Then I'm still your lender for life, questions included.
Payment Estimator
Move the sliders. See the payment.
A quick estimate, updated live. For a real quote on your actual scenario, call me. That part's free too.
$450,000
$90,000 · 20%
6.500%
Illustrative only. Your rate depends on credit, loan type and the day.
30 years
$2,475/yr
Shown as a percent of home price per year.
$1,400/yr
$0/mo
Estimated monthly payment
$3,197/mo
Principal & interest$2,275
Property tax$206
Insurance + HOA$117
Mortgage insurance$0
Loan amount$360,000
Estimates are for illustration only and are not a commitment to lend, a rate lock, or an offer of credit. Actual payment, rate, taxes, insurance and mortgage insurance depend on your full application, property and credit profile.
Client Reviews
Buyers and agents keep saying the same thing.
Learn
@angieclayson.co
Mortgage answers, minus the jargon.
Angie posts short, plain-English breakdowns of the stuff that actually trips people up: rates, credit, closing costs, and the myths that cost buyers money.
Every Monday
Housing market update
What moved mortgage rates last week, and what to watch this week.
Already ownThree ways to build equity faster
Small changes to how you pay that take years off the loan.
RefinanceSix reasons to refinance
Lower payment isn't the only one, and it isn't always the best one.
Instagram@angieclayson.co
Short breakdowns of the things that trip buyers up, posted as they come up.
FAQ
Ask me yours →
The questions I get every week.
How much do I actually need for a down payment?
Less than most people think. Conventional loans can go as low as 3% down for qualified buyers, FHA is 3.5%, and VA loans can be $0 down if you're eligible. Down payment assistance programs may also be available depending on where you're buying and what you earn.
The right answer depends on your goals. Sometimes putting less down and keeping cash in reserve is the smarter move. That's a conversation, not a formula.
What credit score do I need to buy a house?
There are loan programs that work across a wide range of credit profiles, and FHA in particular was designed with flexibility in mind. Your score affects your rate and your mortgage insurance more than it affects whether you can buy at all.
If your score isn't where you want it, tell me now rather than later. There are often small, fast moves that change your pricing tier before we ever pull for a live file.
What's the difference between pre-qualified and pre-approved?
A pre-qualification is an estimate based on what you tell me. A pre-approval means I've reviewed your credit, income and assets and issued a letter your seller can rely on.
In a competitive offer, that difference matters. Sellers and listing agents can tell which one they're looking at.
How long does the whole process take?
Pre-approval is usually same-day to a couple of days once I have your documents. From accepted offer to keys, most purchase loans run roughly three to five weeks depending on appraisal and title timing.
The single biggest thing that speeds it up is getting documents back quickly. I'll tell you exactly what I need and when.
Should I wait for rates to come down before I buy?
Nobody can promise you where rates go, and anyone who does is guessing. What I can do is show you real numbers for buying now versus waiting, including what happens to your payment if prices rise while rates fall.
And if rates do improve later, refinancing is a conversation we can have then. You marry the house and date the rate.
I'm self-employed. Is that a problem?
No. It's just a different set of tools. If your tax returns don't reflect your real cash flow, there are bank-statement, profit-and-loss and DSCR programs that qualify you on what your business actually brings in.
Bring me your last two years and let's see which structure gets you the best terms.
What does it cost to work with you?
Getting pre-approved and running scenarios with me costs you nothing. Loan costs (origination, appraisal, title, and prepaid taxes and insurance) are itemized on your Loan Estimate, which federal law requires you to receive within three business days of a completed application.
You'll see every number before you commit to anything. No surprises at the table is the whole point.
Let's Go
Let's find out what you can do.
Pre-approval is free, takes minutes, and gives you a real number instead of a guess. Start online, or just call me. I'd rather talk it through.