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  • 1739 Rowan Suite A Louisville, KY 40202 Tel (502) 200-9277 Jim.Clay@ccm.com
Your Local CrossCountry Mortgage Loan Officer

James Clay III

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  • Originating Branch Manager
  • Louisville, KY Mortgage Loan Officer
  • NMLS #47632
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I’ll be with you every step of the way

Hi, I’m Jim Clay, and I’m proud to bring you top-notch service with America’s #1 Retail Mortgage Lender! With 24 years of experience in both commercial and residential lending, and hundreds of millions of dollars in loan volume closed, I’ve built a large database of delighted clients thanks to my dedication and expertise.

Based in Louisville, KY, I’m licensed in Kentucky, Indiana, Illinois, Missouri, South Carolina, and Tennessee. I joined CrossCountry Mortgage five years ago as part of Jeremy Forcier’s esteemed team, and it’s been a fantastic journey ever since. Growing up in Danville, KY, I was honored to win a state wrestling title in 1987 and later earned a place in the Danville High School Athletic Hall of Fame with my brother John in 2018. My wrestling career continued at Illinois before finishing at the University of Kentucky.

Whether you’re looking for expert guidance on your next mortgage or refinancing, I’m here to help you every step of the way with a personal touch and a commitment to excellence.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

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