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
Thu
8:30 AM to 5 PM
Fri
8:30 AM to 5 PM
Sat
closed
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Reviews from Web
This guy went above and beyond on multiple occasions I was backed into a corner and he came threw and rescued me! he explained everything with a lot of patience to me ! this was my first home and he made it happen! if your new to all of this...
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Reply from Steven Clifford
March 7th, 2025 12:34 AM
Matthew, I'm truly grateful for your kind words and for sharing your experience. Helping you secure your first home was a pleasure, and I'm thrilled that you felt supported throughout the process. My team and I are dedicated to making sure...
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Steven was very communicative and quickly addressed and issues that arose.
Reply from Steven Clifford
March 7th, 2025 12:33 AM
Thanks for the positive feedback, Kirby! I'm glad to hear that my communication and problem-solving met your expectations. It's always my goal to make the process as smooth as possible. If there's anything else I can do to improve your experience...
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Steve's communication thru the home buying process is consistent and thorough. It's very reassuring for my buyers and me to know that Steve is on our team.
Reply from Steven Clifford
February 26th, 2025 01:20 PM
Beth, thank you so much for your kind words. I'm thrilled to hear that you found my communication consistent and thorough during the home buying process. I'm grateful to be part of your team and look forward to assisting you in the future!
Steven is the best, that is why I have used him many times ! Always takes care of my clients the best !
Reply from Steven Clifford
February 18th, 2025 01:07 AM
Thank you so much for your kind words, Kimberly! It’s always a pleasure working with you and taking care of your clients. I truly appreciate your trust and support, and I look forward to continuing to help you in the future.
Being patient with your customer and never giving up on us.
Reply from Steven Clifford
February 18th, 2025 01:08 AM
Adrian, I'm thrilled to hear about your experience! Patience is something I truly value in this process, and I'm glad it made a difference for you. Thank you for trusting me and Flat Branch Home Loans. Your feedback means a lot, and I'm here...
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Steven was fast to respond and amazing at his job and made us feel comfortable from the start all the way to the end.
Reply from Steven Clifford
February 15th, 2025 01:41 PM
Leo, I'm really grateful for your kind words and thrilled to hear that you and Dezer'Rae and felt comfortable throughout the process. It was a pleasure working with you, and I'm glad I could make the experience a positive one. If you ever need...
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Cliff and his team made the whole process very easy! We would highly recommend him to anyone looking for a home loan or refinance!
Reply from Steven Clifford
February 3rd, 2025 04:40 PM
Barbara, thank you so much for the kind words! I'm thrilled to hear that you and Parrish found the process easy, and that's always my team's goal. We appreciate you choosing Flat Branch Home Loans and recommending us to others. It means a lot....
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Attentive and informative. Always made us aware of the next step.
Reply from Steven Clifford
January 28th, 2025 04:27 PM
Thank you, Parrish, for the fantastic review and high rating. I'm pleased to hear that you and Barb found our services at Flat Branch Home Loans both attentive and informative. Your feedback is appreciated and it's always my priority to keep...
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Amazing job!
Reply from Steven Clifford
January 20th, 2025 08:19 PM
Thank you, appreciate it.
Cliff was easy to reach and very responsive, even around the holidays. He really cares about helping his clients every step of the way. We couldn't have done it without him!
Reply from Steven Clifford
January 8th, 2025 03:42 AM
Hi Mary! Thank you so much for your fantastic review. I'm glad to know that my availability throughout the holiday period made your experience better. It's always my priority to support my clients every step of the way and I'm thrilled to hear...
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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