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
Great work, Cliff!
Reply from Steven Clifford
November 18th, 2024 01:24 AM
Congrats on the closing….on to the next one
Every transaction with Steve and FLHL is completely seemless and smooth. Steve's communication and education keep everyone comfortable and confident with moving forward in the buying process. Wish I could close every deal w/Steve!
Reply from Steven Clifford
November 18th, 2024 01:24 AM
I'm really grateful for your kind words, Beth. It's always a pleasure to assist you and ensure that everything is seamless and smooth. Your confidence and comfort in the buying process are of utmost importance to us at Flat Branch Home Loans....
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Steven is very friendly and helpful and trustworthy, greatly valued his expertise and fast response s with questions and concerns .
Reply from Steven Clifford
November 18th, 2024 01:25 AM
I sincerely appreciate your kind words, Jason. It's always a pleasure to help and ensure that every question and concern is addressed promptly. Your trust means a lot to me and I'm glad to know that my expertise was valuable to you. Thanks...
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Steve and his team were very helpful and accommodating to our situation. Even though buying a house and everything that goes with it can be stressful, he made sure we had nothing to worry about. I feel like he went above and beyond with questions...
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Reply from Steven Clifford
November 6th, 2024 03:54 AM
Hi Russell, I'm thrilled to hear that you had a positive experience with my team and I. It was truly a pleasure to help you with your home purchase. Knowing that we could alleviate some of the stress is very rewarding. I appreciate your kind...
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Steve has been with us through every home we’ve bought, and we honestly couldn’t imagine going through the process with anyone else. He makes everything feel simple and way less stressful than it should be! Anytime we had a question, he was...
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Reply from Steven Clifford
November 5th, 2024 03:55 PM
Jamey, thank you so much for your glowing review and the 5-star rating. I am thrilled to hear such great feedback. Being there for you and your family during every home purchase and making the process less stressful for you is always my goal....
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I've worked with Steve for 5+years now and it is comforting to know that he will ALWAYS come through for my client and my business. As I always have to provide 3 mortgage contacts to my clients I am always thrilled when Steve and Flat Branch...
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Reply from Steven Clifford
November 5th, 2024 03:56 PM
I'm truly humbled by your kind words, Dana. It's always a pleasure to work with you and your clients. Your trust in me and Flat Branch Home Loans is greatly appreciated. I will continue to strive to provide the best service possible. Thanks...
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Steve is helpful and nice person.
Reply from Steven Clifford
October 31st, 2024 04:05 PM
Thank you so much for your kind words, Venkatesh. I'm thrilled to hear that you had a positive experience with me at Flat Branch Home Loans. Customer satisfaction is my top priority, and your review reaffirms the hard work I put in every day....
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I so appreciate all the help and the information you've given me as a first time realtor.I can't thank you and your team enough for all the hard work on getting our clients loan and his questions taken care of and early before the committed...
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Reply from Steven Clifford
October 31st, 2024 04:16 PM
I'm overjoyed to receive your positive feedback, Shirsha. It was indeed a pleasure to assist you and our client through the loan process, and I'm glad we could exceed your expectations. Your words of appreciation mean a lot to me and the team...
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I can't say enough about Steve he is truly a remarkable person. He always kept us informed about everything that was happening in order to get our loan and would answer any questions you had no matter how trivial they maybe. Steve is certainly...
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Reply from Steven Clifford
October 29th, 2024 11:54 PM
Hi Deborah, I'm immensely grateful for your kind words and the 5-star rating. I'm thrilled you felt comfortable throughout the process, as I always aim to keep everything transparent and my clients informed. Your praise is highly appreciated,...
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Steve is a rock star at communication is always available to both the client and the agent for questions! Steve's great personality keeps the clients calm during, what can be, a very stressful time! His team is very thorough & makes sure all...
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Reply from Steven Clifford
October 29th, 2024 11:54 PM
Rachel, I'm beyond grateful for your generous review! It was a pleasure to work with you and ensure a smooth transaction. Communication is key in our line of work, so I'm glad you felt supported. It's fantastic to hear that my team and I could...
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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