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's communication is excellent for all parties. I appreciae that he includes the seller's agent. He is a great educator and I always learn something when I work with Steve.
Reply from Steven Clifford
March 27th, 2026 02:40 PM
I'm grateful for your kind words, Beh. It's important to me to keep all parties informed, including the seller's agent, and to provide valuable insights throughout the process. I'm pleased to hear that my communication and educational efforts...
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Steve and his team were very accommodating and pleasant to work with. They made the process nice and easy for us.
Reply from Steven Clifford
March 23rd, 2026 02:34 PM
It's great to hear that the process was smooth and enjoyable for you, If you have any further questions or need assistance in the future, feel free to reach out to me. Your feedback is appreciated!
Steve made sure we had as easy as a loan process could be. His response time was fast and efficient. He made sure to answer any questions we had during the loan process as well as during our closing.
Reply from Steven Clifford
March 23rd, 2026 02:35 PM
It's wonderful to hear that the loan process went smoothly for you, Jillian. If there's anything else you need or further clarification required, feel free to reach out. Thank you for taking the time to share your thoughts!
I love how personable Clifford is!
Reply from Steven Clifford
March 23rd, 2026 02:40 PM
I'm glad to hear that you appreciate my approach, Lisa. Building a personal connection is important to me, and it's rewarding to know it made a difference for you. If there's anything else I can assist you with, feel free to reach out. Thank...
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Clifford was very helpful explaining all of the paperwork and answered questions thoroughly.
Reply from Steven Clifford
March 21st, 2026 02:48 PM
I'm glad to hear that you found my explanations and assistance with the paperwork helpful, Tyler. Providing clear and thorough answers is important to me, so I'm pleased it made a difference for you and Jillian. Wishing you many blessings in...
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Steven was excellent to work with. Made the process super simple and straightforwar. kept us informed at all times and provided great detail and insite to the process. Would definitely recommend to anyone looking to purchase or refinance a...
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Reply from Steven Clifford
March 19th, 2026 07:16 PM
I'm grateful for your kind words, David. It's reassuring to know that the process felt simple and straightforward for you and Kathryn. Thanks for letting Q play with Bella. If you or anyone you know is considering purchasing or refinancing...
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Steve is great and changed his schedule around to make the time to close work best for me!
Reply from Steven Clifford
March 11th, 2026 10:41 PM
I always aim to accommodate my clients' needs, and I'm glad it worked out well for you. If you ever have more questions or need further assistance, feel free to reach out anytime. Thank you for sharing your experience with me at Flat Branch...
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This was my first time buying a home so it was very frustrating and not knowing what to do really played a part in that. Steve was there to relieve all the stress and frustation every time. When it was all over I adopted steve as my family....
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Reply from Steven Clifford
March 8th, 2026 10:11 PM
Thank you so much for the kind words! Buying your first home can definitely be a rollercoaster, so I’m really glad I could help take some of the stress off along the way.And being “adopted” into the family might be my favorite compliment yet!...
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Buy was an easy experience.
Reply from Steven Clifford
March 6th, 2026 07:08 PM
Thank you, James, for sharing your experience. I'm glad to hear that the process was straightforward for you. If there are any future questions or if I can assist further, feel free to contact me. Parrot's soon
Cliff was simply exceptional! He made himself available for any and all questions and made this process so straightforward (no easy feat!) I'd trust family with him.
Reply from Steven Clifford
February 25th, 2026 04:45 PM
It's great to hear that you found the process straightforward, Madeline. I always aim to make myself available for any questions, and it's rewarding to know you and Tyler trusted me enough that you'd recommend me to family. If there's anything...
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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