Steven Clifford
Senior Mortgage Banker | NMLS# 631051
Because no two borrowers come with the same background, each process is tailored to your personal goals, aspirations and milestones. Home buyers come through our door starting somewhere different all the time, but the journey will always en... Show More
Location & Business Hours
Business Hours
Sun
closed
Mon
8:30 AM to 5 PM
Tues
8:30 AM to 5 PM
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Steven and his team helped my clients through this transaction and answered all their questions immediately. Thank you for your help!
Reply from Steven Clifford
October 5th, 2026 01:53 AM
I appreciate your kind words, Toni. I'm glad that my team and I at Flat Branch Home Loans could assist your clients and address their questions promptly. Thank you for sharing your positive experience!
Cliff and his team went over and beyond to make sure our foever home was ours !!! They didnt stop till the deal was done I'm foever grateful
Reply from Steven Clifford
October 2nd, 2026 01:27 PM
Thank you for your kind words, Regina. I'm truly happy to hear that my team and I at Flat Branch Home Loans could help secure your forever home. Your gratitude means a lot to me, and I'm pleased we could support you throughout the process.
Steven. Steven and Bri did a magbicimagnificentjob dealing with my concerns and keeping me informed throigh throughevery step of the process. From the moment they came on until he shook my hand aftef afterclksinfclosing, i Iwas consisfentlh...
read more
Reply from Steven Clifford
October 1st, 2026 06:32 PM
I'm grateful for your kind words, Leslie. It's wonderful to hear that both Bri and I were able to address your concerns and keep you informed throughout the process. At Flat Branch Home Loans, we strive to provide a supportive experience, and...
read more
Steven was always accessible and answered every question I had during the process. I could not have confidently gone through the homebuying process without his help. I recommend his services to anyone.
Reply from Steven Clifford
September 25th, 2026 07:38 PM
I appreciate your kind words, Brennan. I'm glad I could be accessible and assist you with your questions during the homebuying process. It was a pleasure to help you at Flat Branch Home Loans, and thank you for recommending my services.
Everything went so smoothly!
Reply from Steven Clifford
September 21st, 2026 09:32 PM
I'm glad to hear that everything went smoothly for you, Jeremiah. At Flat Branch Home Loans, it's always my goal to ensure a seamless process for my clients.
It was our first time through this process and it went very smooth and any/all questions we had were answered promptly.
Reply from Steven Clifford
September 20th, 2026 08:40 PM
I'm glad to hear that your first experience with the process went smoothly, Calvin. It was my pleasure to promptly address all your questions and guide you and Mary through with Flat Branch Home Loans.
What made him so great was how incredibly communicative and responsive he was through the entire transaction. I never felt like I was chasing him down for an answer or wondering what was going on. He kept me and my client informed, answered...
read more
Reply from Steven Clifford
September 18th, 2026 04:39 PM
Beth, I'm truly grateful for your kind words and for recognizing my efforts throughout the transaction. It's a priority for me at Flat Branch Home Loans to ensure both you and your clients are well-informed and supported every step of the way....
read more
Great person, friendly and supportive
Reply from Steven Clifford
September 15th, 2026 06:36 PM
I'm grateful for your kind words, Sai. It's wonderful to hear that you found me friendly and supportive during your experience with Flat Branch Home Loans. Thank you for taking the time to share your thoughts.
As first time homebuyers, Cliff made everything extremely easy. He was always there to answer questions 24/7 and took the time to explain things thoroughly. I would 100% recommend Cliff to anyone who is looking to purchase a home, especially...
read more
Reply from Steven Clifford
September 10th, 2026 01:39 PM
I'm grateful for your kind words, Taylor. I'm happy to have made the home-buying process easier for you and Adam as first-time buyers. Thank you for recommending me, and if you ever have more questions, feel free to reach out. Can't wait for...
read more
He's extremely experienced and very personable!
Reply from Steven Clifford
September 4th, 2026 02:42 PM
I'm grateful for your kind words, Dhruv. It's nice to know that my experience and approach made a positive impact. If there's anything else I can do for you, feel free to reach out.
1–10 of 279
About
Because no two borrowers come with the same background, each process is tailored to your personal goals, aspirations and milestones. Home buyers come through our door starting somewhere different all the time, but the journey will always end at the home you’ve been working hard for. All of our products are designed with you alongside, so your loan will be shaped perfectly for your wants and needs.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Conventional Mortgages
FHA Mortgages
VA Mortgages
USDA Mortgages
First Time Home Buyer
Down Payment Assistance - MHDC/IHDA/IHCDA/Chenoa/Essex
Bank Statement Loans
Renovation Loans - FHA Limited 203k, Conventional HomeStyle/Choice
View All
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
Memberships
- The Giving Branch Board Member
- American Cancer Society Representative - Making Strides Against Breast Cancer
- I9 Soccer Coach
View All
Addresses and Serving Areas
Primary Serving Area
Year Started
2016
Licenses
- NMLS# 631051
Awards
2026 Scotsman Guid...
Achievements
- Board Member of The Giving Branch
Hobbies
- Bowling
- Golf
- Sporting Events
View All
Disclaimer
Flat Branch Home Loans is an Equal Housing Lender © 2006 - 2024 A Division of Flat Branch Mortgage Inc NMLS# 224149