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First Tech Routing #321180379
Mortgage Loan Officer

Meet Melissa.

A little insight into
Melissa Clay.

Melissa Clay has been in the mortgage business for over 23 years, and knows that every home buying experience is unique. Melissa’s experience in the mortgage industry runs deep, and she has expertise in every part of the home buying process including setup, underwriting, closing, funding, shipping and originating. She has seen it all in the mortgage industry, and helping members remains the most rewarding part of her job.

Whether it’s helping you get into a first home, dream home or retirement home—or helping you refinance to fund home projects, education or investments--Melissa values getting to know our members throughout the process and making their life easier.

Melissa was born and raised in Alaska, and spent over 30 years there. Her time in Alaska helped her fall in love with the outdoors. She is a huge animal lover, and once had 6 dogs, 2 goats and 70 chickens to keep her company. These days she lives in Phoenix, Arizona and spends her free time exploring Tucson, Payson, Prescott, and Flagstaff with her Pit Bull.

Melissa is free to meet with you and discuss all of your mortgage options at your convenience.

We're here to help you.

Get pre-qualified.

Take the first step to your home dreams by seeing how much you can borrow by getting pre-qualified. A pre-qualification can give you a leg up in a competitive market and can ease your mind when taking on the task of financing a home.

Buy a home.

We have mortgage solutions to fit your needs, whether this is your first home, next home, or you’re building your dream house. If you have a home picked out and signed a contract, please apply here. If you want to see how much you qualify for submit a request for Pre-Qualification.


Whether you want to cash out your equity, lower your payments, or pay off your loan sooner, we have a refinance loan for you.

Home equity.

Do you have big plans that require money? Get that money from the equity in your home. We have great rates and many options, depending on your goals.

Mortgage resources.


Home Buyers

We’ve helped thousands of members buy their first home.



Calculate your mortgage options.


Home Loan

View more information on the home loan options available.

All loans are subject to credit approval. Credit Union membership is required and subject to approval. Property and/or flood hazard insurance may be required.