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Since 2006, I have simultaneously served as managing director, investor, and partner in numerous businesses. Overseeing these individual and collective ventures has been made possible by the assembling of an extremely talented team of professionals. As the managing partner, I have had ultimate responsibility for the key areas of legal, accounting, banking, sales and human resources. Find out more at garrettclayton.com - new site arriving soon.

Teresa is the driving force at Citywide Home Loans and has an extensive background in all aspects of the mortgage industry. Since joining Citywide in December 2009, she has been instrumental in leading the organization and directing the significant growth of the company. Her vision and leadership will assure success as Citywide continues to grow in the future. Teresa is a founding member, and the Secretary/Treasurer, of the Utah Mortgage Bankers Association. She served as member of the CFPB panel on the impact of Dodd-Frank mandated increased HMDA data collection and reporting. She is currently the Vice Chair of the MBA State Legislative and Regulatory Committee as well as the mortgage expert on Fresh Living which airs on KUTV Channel 2 in Salt Lake City.