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
Tues
8:30 AM to 5 PM
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM
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Reviews from Web
Steve is a great communicator that keeps the client aware of everything that is going on during the process. He makes it simple for people that don't buy houses everyday
Reply from Steven Clifford
July 30th, 2025 03:27 PM
Thank you for the thoughtful review, Alex. I'm glad to hear that my communication helped keep you informed throughout your home-buying process. Making things simple and clear is something I strive for, especially in a process that can be quite...
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He's able to adapt to situations and get the job done
Reply from Steven Clifford
July 18th, 2025 10:28 PM
I appreciate your feedback, Thain. It's great to know that my ability to adapt to different situations helped in getting everything sorted for you. If you ever need any more assistance or have questions, don't hesitate to reach out. Thank you...
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Friendly and very knowledgable. they kept me well informed thr the process which help keep the stress levels down. 10/10
Reply from Steven Clifford
July 11th, 2025 03:32 PM
I'm really glad to hear that you found the process less stressful, Sherry. Keeping you well-informed is always my aim, so I'm pleased it made a positive difference for you. If there's anything more I can do or if you have any further questions,...
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Steve aka Cliff is always amazing to work with. I have lost count how many of my buyers he has assisted with getting them to closing, but every experience is always very well communicated, guided, and enjoyable. 10/10 will continue to refer...
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Reply from Steven Clifford
July 11th, 2025 02:00 PM
Thank you for the kind words. Love working with you ♥
Cliff kept me up to date every step of the way. He so patiently and confidently answered all of my questions. He works tirelessly to make his customers happy and it works! Thx, Cliff!
Reply from Steven Clifford
July 10th, 2025 01:44 PM
I'm pleased that you felt supported throughout the process, Valerie. Keeping you informed and addressing your questions with patience is a priority for me, so I'm glad to hear it made a difference. Your satisfaction is important, and I'm grateful...
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Steven was wonderful. He was available at any time even in dire situations. I recommend him 100%!
Reply from Steven Clifford
July 5th, 2025 03:02 PM
Thank you for your kind words, Joo. I'm thrilled to hear that I could be there for you whenever needed. Your recommendation means a lot, and it was a pleasure assisting you with your loan needs at Flat Branch Home Loans.
It seemed like everything was going great. Then things with my family started stressing me out. Steve helped me out a lot, and I will always be grateful to him for that
Reply from Steven Clifford
June 8th, 2025 05:46 PM
I'm glad I could assist you during a stressful time. It means a lot to know I was able to help. If you need anything in the future, please don't hesitate to reach out.
Steve was very attentive and answered all our questions in a way we could understand there were no surprises, which was awesome!
Reply from Steven Clifford
May 5th, 2025 02:32 AM
I'm thrilled to hear that you found our communication clear and attentive, ensuring there were no surprises. It was a pleasure assisting you and Davis at Flat Branch Home Loans. Thank you for your kind words! Many blessings for you and Davis...
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Steve was wonderful to work with. He walked my clients through the process and keep them well informed and made them feel very comfortable from beginning to end.
Reply from Steven Clifford
May 5th, 2025 02:33 AM
I'm thrilled to hear that you and your clients had a positive experience. It was a pleasure working with you and ensuring that the process was smooth and informative. Thank you for your kind words and trust. Look forward to helping other buyers...
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Steve is awesome and made the process smooth and easy!
Reply from Steven Clifford
May 1st, 2025 03:14 PM
I'm thrilled to hear that your experience was smooth and easy. It was a pleasure assisting you and Lauren, and I appreciate your kind words.
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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
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Memberships
- The Giving Branch Board Member
- American Cancer Society Representative - Making Strides Against Breast Cancer
- I9 Soccer Coach
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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
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Disclaimer
Flat Branch Home Loans is an Equal Housing Lender © 2006 - 2024 A Division of Flat Branch Mortgage Inc NMLS# 224149