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 over 41 years in banking/lending with over 35 of those years in residential mortgage lending.  His mission is to provide borrowers, no matter the loan size, with "Concierge" level service. He shops from approximately 70 lenders across the nation to find the best interest rate, lender's fees, and/or loan program available for each borrower.