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About Harmon Financial

Clay W. Harmon and Betsy Harmon Nicholas are licensed real estate brokers and officers within the company. They are heavily involved in all aspects of our organization.


Clay W. Harmon

Clay is the founder of Harmon Financial Corporation. He is a graduate of Stanford University. As a pioneer of investing private money into Trust Deeds, he formed Clay Harmon & Co. in 1968 and incorporated the company into Harmon Financial Corporation in 1974. The investment of private funds into trust deed loans was primarily dominated by institutional lenders up until that point.

Betsy Harmon Nicholas

Betsy graduated from U.C. Davis with a Bachelor of Arts in Psychology in 1991. She joined Harmon Financial Corporation in 2004, after serving as vice president to one of the top three insurance brokerage firms in the nation.