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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closed
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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
he promised to reach out When the interest rate low and he will find out how much customers can save
Reply from Steven Clifford
May 28th, 2026 01:31 PM
I'm pleased to hear that I could provide you with helpful information, Kee. Keeping my customers informed about opportunities to save is important to me. If you have any more questions or need further assistance, please feel free to reach out....
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I always know when I refer Steve he will go above and beyond to do what it takes to get the client into the best possible loan product. Steve and his team make the process smooth and streamlined for the client. He has never let me or any of...
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Reply from Steven Clifford
May 13th, 2026 05:01 PM
Thank you so much for your kind words, Dana. I'm grateful to have your trust and continued support over the years. It's rewarding to know that my efforts and those of my team have consistently met your expectations. If you ever need anything...
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Steve is always great to work
Reply from Steven Clifford
May 11th, 2026 10:07 PM
Thank you, Russell. I'm grateful for your kind words and glad to hear that you consistently have a great experience. If there's anything more I can do for you, please feel free to reach out.
Very helpful
Reply from Steven Clifford
May 11th, 2026 02:06 PM
Thank you for your kind words, Michael. I'm glad to have been helpful during your process with Flat Branch Home Loans. If you have any further questions or need assistance, feel free to reach out.
Being out of tate was a nightmare on my nerves, but Steve and his team did an excellent job of helping us get our home and keeping us on track. Thank you so much for your help and diligence.
Reply from Steven Clifford
May 11th, 2026 02:07 PM
I'm grateful for your kind words, Monica. I'm pleased that my team and I could assist you effectively despite the challenges of being out of state. If you need any more help or have further questions, please feel free to reach out.
This was our first home purchase & Steve made everything so seamless for us! he answered any and all of my questions (there were many lol!) and eased our minds the entire process. I would recommend him to anyone in the market to purchase or...
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Reply from Steven Clifford
May 11th, 2026 02:08 PM
Thank you, Alex, for sharing your experience. I'm happy to hear that I could make your first home purchase seamless and answer all your questions. Easing your (mostly Charli) mind during this process is important to me, and I appreciate your...
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Very pleased with smooth overall experience with the loan
Reply from Steven Clifford
April 27th, 2026 07:46 PM
I'm grateful to hear that you were very pleased with the smooth experience, Santhosh. It's always my goal to ensure a seamless loan process. If you have any more questions or need assistance in the future, feel free to reach out.
it was great
Reply from Steven Clifford
April 22nd, 2026 04:33 PM
THANK YOU!!! Great catching up with you and Cameron :)
Steven does an amazing job . I'm so happy with the experience . He was responsive , professional and able to answer all of my questions .
Reply from Steven Clifford
April 13th, 2026 05:38 PM
Thank you for your kind words, Daniel. I'm glad to hear that you had such a positive experience and that I was able to assist with all your questions. If there's anything more you need in the future, feel free to reach out. Can't wait for the...
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Very friendly, and professional!
Reply from Steven Clifford
April 13th, 2026 02:46 AM
Thank you for your kind words, Harry. I'm glad to hear that you found my approach both friendly and professional. If you ever have any more questions or need assistance in the future, feel free to reach out.
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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