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
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8:30 AM to 5 PM
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8:30 AM to 5 PM
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Reviews from Web
Attentive, responsive to questions, seamless process
Reply from Steven Clifford
September 1st, 2026 02:29 PM
Thank you for your feedback, Dani. I'm grateful to know that you and Josh found the process attentive and seamless. If you have any further questions or need assistance, feel free to reach out.
Steve was very personal and kept us informed through the whole transaction.
Reply from Steven Clifford
August 31st, 2026 04:47 PM
I'm grateful for your kind words, Josh. It's good to know that my personal approach and communication were helpful throughout your transaction. If you have any more questions or need further assistance, please feel free to reach out.
Steven is the best. He has the best customer service and experience when dealing with sales and mortgage services
Reply from Steven Clifford
August 27th, 2026 09:07 PM
Thank you for your kind words, Tamika. I'm grateful to hear that you found my customer service and expertise in sales and mortgage services to be the best. If you need any further assistance, feel free to reach out.
Steven and his team were great to work with during our process!
Reply from Steven Clifford
August 19th, 2026 01:13 PM
I'm grateful for your kind words, Shanece. It's good to know that you found working with my team and me to be a positive experience during your process. If you or Tyler have any further needs or questions, feel free to reach out. Cheers to...
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My other lender was being difficult. Steve came in and made our first time home buying experience great. I'm very happy with his professionalism. I definitely would recommend him to family and friends.
Reply from Steven Clifford
August 6th, 2026 01:45 AM
I'm glad to hear that I could assist in making your first home-buying experience a positive one, Malinda. Your kind words about my professionalism mean a lot, and I truly appreciate your recommendation to family and friends. If you ever have...
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Very helpful and responsive! Cliff got the deal done quickly!
Reply from Steven Clifford
August 6th, 2026 01:46 AM
I'm grateful for your kind words, Ebony. I'm happy to know that I could assist you quickly and effectively. If you ever need anything else, please feel free to reach out.
- The overall process was pretty easy and straight forward. Cliff got the process rolling fairly quickly- The total process took 8 days from start to finish - which seems quite good.- The initial online form to pick my rate, up-front cost,...
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Reply from Steven Clifford
August 2nd, 2026 09:39 PM
Thank you for sharing your detailed experience, Nicholas. I'm glad that the overall process was straightforward and that we managed to complete it quickly. I appreciate your feedback on the income validation process and the notary requirements;...
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Excellent customer servics. Went above and beyond, highly recommend
Reply from Steven Clifford
July 27th, 2026 03:24 PM
Thank you, Steven, for your kind words. I'm grateful that you found my service to be exceptional and that I could go above and beyond for you. Your recommendation means a lot to me.
Steven was a pleasure to work with. Answered all questions I had in a way that I could understand. Made every step of the process clear so that I understood exactly what was going on throughout all of the paperwork that is done while buying...
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Reply from Steven Clifford
July 24th, 2026 10:57 PM
Thank you, Julianne, for your kind words. I'm happy to hear that I could make the loan process clear and understandable for you. It's great to know you'd recommend me and Flat Branch to your friends. If you ever have more questions or need...
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Time & time again Cliff is organized, professional & delivers top notch service every single transaction. His attention to detail, constant & honest communication, ability to solve problems & treating every client like family is why I always...
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Reply from Steven Clifford
July 24th, 2026 08:53 PM
Thank you for your kind words, Mike. I'm grateful for your trust and for highlighting the qualities that you value in my service, such as attention to detail and honest communication. It's important to me that every client feels like family,...
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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