Hi, I am Kammra Clark, Owner and Primary Lending Manager of Ashley Valley Financial Services, Inc. I would like to take a moment of your time to introduce myself and my company. I have over 14 years experience in the mortgage industry. I am certified by the CMPS Institute as a Mortgage Planner, with an educational background in accounting and finance. I first started working in the mortgage industry in 1994 as a loan processor and quickly moved to loan originating. In May of 1998 I started my own company in Vernal, Utah and named it Ashley Valley Mortgage. Nearly ten years and a lot of hard work later, I am proud to own Ashley Valley Financial Services, Inc. with offices in Vernal and Heber City, Utah. I have a very dedicated team of employees who take pride in giving great customer service, but more importantly in being honest and sincere with our clients. I have worked hard to surround myself with people who are highly qualified, reliable and very trustworthy. I am truly passionate about my profession and take great pride in the company I have created. I am committed to providing my clients with good advice that will make a positive influence in their lives for years to come. With Ashley Valley Financial Services, you can rest assured that you are entrusting your home financing with those who rank amongst the most highly qualified and ethical in the lending industry. I am excited to get to know you and look forward to doing business together.