About Leigh
Navigating Your Path to Homeownership, Step by Step
I understand how overwhelming the home lending process can feel. Whether you’re buying your first home, refinancing with a conventional mortgage, or exploring specialized options like FHA, VA, or reverse mortgages, I’m here to walk alongside you.
With over 20 years of experience, I’ve helped more than a thousand families and individuals reach their goals—and I know how to make the process smooth, clear, and as stress-free as possible.
From the moment you reach out, my focus is on understanding your unique situation.
- Are you looking to pre-qualify for a home?
- Thinking about tapping into your home equity?
- Or perhaps you’re unsure which loan product fits your needs?
Whatever your questions, we’ll work together to find the right solution.
When you’re ready, call, text, or email me to discuss your needs.
What to Expect When You Work with Me
I always begin with a conversation. We’ll talk about your goals, your financial picture, and any concerns you may have. Then, I’ll guide you through the application process, step by step. I’ll explain exactly what documents are needed and why, ensuring everything is organized up front to save you time and minimize stress.
You won’t be left wondering what comes next. I stay in close communication throughout the process, providing updates and reminders to keep things moving smoothly. If you ever feel uncertain or have any questions, I’m only a phone call or text away to provide clarity and reassurance.
A Process Built on Care and Transparency
Many of my customers come to me feeling overwhelmed, unsure, or anxious about their next steps. I get it.
Buying or refinancing a home is one of the biggest decisions you’ll ever make. That’s why I approach every conversation with patience and empathy. I believe in taking the time to educate you on your options and help you feel confident in your decisions.
By the time you reach the closing table, my goal is for you to feel calm, prepared, and empowered. And I’ll be right there with you, ready to answer questions and celebrate this exciting milestone.
Why Choose Me Over Other Lenders?
Unlike big-box mortgage companies where you’re treated like just another number, I pride myself on personal, attentive service.
I’m not only your loan officer; I’m your advocate, your guide, and your problem solver. You’ll never feel rushed or left in the dark. My priority is making sure you feel supported and understood at every stage.
Let’s Start the Conversation
When you’re ready, call, text, or email me to discuss your needs.
Together, we’ll create a plan tailored to your unique goals, whether that’s purchasing your dream home, consolidating debt, or simply making sense of your options.
Because when the process is seamless and handled with care, you can focus on what truly matters: enjoying your home and your life.
Licensed in FL, IN
Free guides from Leigh
First-Time Buyer Guide
Why own, the 7-step path, the document checklist and the do’s and don’ts — read it here, no download.
Where to find Leigh
Leigh works out of our Carmel, IN office. Branch NMLS #33041.
What clients say about Leigh
51 client reviews
Verified client reviews via Experience.com
Overall great experience
Our loan officer, Leighann Clayton did a great job of keeping us informed every step of the way as our loan progressed. She made the refi very simple and easy to understand. It closed on time and with no hitches along the way!
Leigh Ann was great to work with and made the financing of our new home as stress-free as possible!
Leigh Ann kept us informed every step of the way and made the process a breeze.
It was a great experience!
Leigh Ann was great to work with!
Leigh Ann is awesome. We highly recommend her to anyone needing a mortgage consultant. This is the 3rd or 4th time we've worked with Leigh Ann and every time its a great experience.
Leigh Ann was great to work with!
I had a great experience working with Leigh Ann Clayton and Becca Miller, from Advisors. They were caring, helpful and responsive. I felt that I was in good hands through the entire process.
Great experience from start to finish! Thank you for the communication and your expertise!
Nothing more to add.
We had a great experience. Leigh Ann answered every question we had and helped us to understand the whole process. We are thankful we had Leigh Ann to walk us through this experience.
Friendly service, made the process smooth and easy. Learned new information along the way. Would recommend!
Leigh Ann and Becca were very patient with us getting the necessary documents in on a timely manner. Everything ran like clockwork on closing day!
Great, stress-free experience handled timely, with constant communication throughout the process.
Our experience was wonderful! We have worked with other lenders in the past and had very unpleasant experiences, but the experience with Advisors Mortgage was night and day different. The team was able to quickly and professionally help us secure our loan.
Leigh did a great job helping us get a mortgage for our home!
Our trust is in Leigh Ann Clayton and we love working with her. We have worked with her several times and trust her help and guidance. If we ever need another load, we will always choose her.
The entire process went smoothly and quickly.
Wonderful experience
This is a time consuming and difficult process (pulling together all of my paperwork, etc.) I was well supported and guided through the process.
Leigh Ann’s personality and reliability are the best.
The process was made easy by Leigh Ann and Becca!
Great overall communication and ease of the entire process from start to finish.
I highly recommend Leigh Ann Clayton for all your mortgage needs. Great company with great people.
Latest market updates
The latest PCE inflation report came in cooler than expected, giving both stocks and bonds a boost. Headline inflation rose just 0.3% for the month, while the year-over-year rate fell from 3.7% to 3.4%, better than forecasts. Core inflation, which excludes food and energy, increased only 0.2% and declined from 3.3% to 3.0% annually.
The softer inflation data could reduce pressure on the Federal Reserve to raise rates immediately. New York Fed President John Williams indicated there is no urgency to act following September’s rate hike, although he still expects another increase may be needed later this year.
One area of concern is consumer finances. The savings rate dropped from 4.6% to 4.1%, its lowest level in four years, suggesting consumers continue to spend while saving less.
The inflation report was encouraging for financial markets and showed meaningful progress toward lower inflation, which could help ease some of the upward pressure on interest rates if the trend continues.
Source: MBS Highway
The housing market is shifting in buyers’ favor as more homes become available and competition eases. Redfin reported that,“Sellers outnumbered buyers by 58% in August, the biggest gap in Redfin’s records, driven by a surge in listings and stagnant demand”.
This is the widest gap since Redfin began tracking in 2013. Also interesting is that housing supply reached its highest level in more than a decade, giving buyers more choices and negotiating power.
Affordability remains a challenge, with mortgage rates around 7% and the median existing-home price rising 1.6% year over year. Pending sales and mortgage applications have declined, as high costs and economic uncertainty keep some buyers on the sidelines. Many homeowners are also hesitant to trade their existing low mortgage rates for higher ones.
In some markets, homes are taking longer to sell, prompting sellers to adjust prices and increase marketing efforts. Buyers with substantial cash or home equity are especially well positioned, although the overall sales pace through August remained largely unchanged from last year.
For buyers who are financially ready, greater selection and less competition offer an encouraging opportunity to find a home that fits their needs and budget.
The Federal Reserve raised its benchmark interest rate by 0.25 percentage points, bringing the target range to 3.75%–4.00%. The Fed made the move because they feel that inflation remains elevated, while consumer spending, business investment and the labor market continue to show resilience. Higher rates are intended to slow demand and help return inflation to the Fed’s 2% goal.
Although the Fed does not directly set mortgage rates, its decisions influence the bond market and investors’ inflation expectations. When the Fed hikes rates it can be seen as deflationary since it makes borrowing money more expensive and slows down the movement of money. Bond investors’ arch enemy is inflation so a push from the Fed to fight inflation can garner more attention from investors to purchase more bonds which would help mortgage rates decrease. However, the comments following the policy change put pressure on the bond market since Fed Chair Warsh’s comments were seen as “thin” and he also mentioned inflation is still hanging around.
If inflation cools and the Fed wins the trust of the markets by continuing to fight inflation, we could see rates have a chance to improve, but if the opposite occurs rates could continue their trend and increase more. Oil is also a large factor and if we can get it to drop in price it could also assist mortgage rates to improve.
Source : Federal Reserve
