CLaughlin@houseloan.com
210-606-3655
Clayton Laughlin
Buying a home or exploring a refinance? Connect with Clayton to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Clayton
Top Producer Clayton Laughlin offers trusted guidance to help homebuyers feel understood and comfortable at each step of the mortgage process. Before becoming a loan officer, he honed his exceptional customer service in the retail industry. As a graduate of the award-winning Xinnix program, Clayton offers an immediate understanding of today’s lending guidelines. His genuine thoughtfulness, passion to serve, and dedicated work ethic are key to creating a positive financing experience for each and every client.
Professional and knowledgeable, Clayton primarily serves the greater Texas Hill Country area including Austin and San Antonio, and is registered to lend Nationwide. Clayton has also recently been honored with the coveted President’s Club Top Producer Award at Cornerstone Home Lending. Time and time again, his clients have shared outstanding reviews about his service, which highlight his respectfulness, responsiveness, and ability to make the mortgage process seem effortless.
Born and raised in Tyler, Texas, Clayton has lived in San Antonio since 2009. Outside of work, Clayton devotes as much time as possible to his wife and their one-year-old son.
What clients say about Clayton
A seamless and pleasant experience all the way through the process. A+ service
Very patient and answered all questions.
Good service
Clayton and his team did an excellent job getting the processing done so quickly. He was always available to answer my questions.
Everything was great. Clayton was attentive to to the whole loan process and to everything that came up. There were hiccups with many parts of the loan process-due to outside issues-and Clayton was always ready to help and provide a solution. Greta job to all.
Very professional and thorough
Great job, very helpful and professional
I can't say enough good things about Clayton. He kept me in the loop with phone calls at every step, making sure I was completely informed throughout the whole process. Above all, I genuinely felt like he cared about me and my goals, not just closing a deal. Fantastic experience overall!
Great job. Excellent attention to detail.
Clayton was of great help to my wife and I, guided us all the way since the beginning, always answered questions even at inconvenient times, would definitely recommend cornerstone home lending to anyone trying to purchase! And definitely Clayton laughlin!
Clayton was just amazing! He made our experience a super smooth one! From start to finish he was helpful, knowledgeable and truly took his time to go over the process and next steps. He made us feel like we were his #1 priority always! Thanks Clayton for being great to us!
The performance demonstrated by Clayton and his team was exceptional. The overall experience was outstanding.
Let’s connect
Contact Clayton
Share a little about your plans and how to reach you.
Office locations
Suite 300
San Antonio, TX 78257
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Clayton today.
