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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Thanks Steve
Reply from Steven Clifford
February 16th, 2026 02:47 PM
I'm grateful for your note, Amy. It was a pleasure to assist you with your needs. If there's anything else I can help with, please feel free to get in touch.
There were a couple "hiccups " but Steve got them resolved.
Reply from Steven Clifford
February 11th, 2026 05:05 PM
Thank you for sharing your experience, Laura. I'm relieved to hear that any challenges were resolved to your satisfaction. If you have any further questions or need additional assistance, please feel free to reach out to me directly. I appreciate...
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Steven and Bri were great to work with! They checked in with us regularly and kept us informed with every step of the process! Working with the team at Flat Branch was an easy, seamless process and we would recommend them to anyone looking...
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Reply from Steven Clifford
January 16th, 2026 03:28 PM
I'm grateful for your feedback, Alex. It's wonderful to hear that you found both Bri and me supportive and that our efforts made the process smooth for you. Keeping you and Danielle informed and comfortable is always a priority. Thank you for...
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Steven was great and very knowledgeable. He cared and wanted the best options for us that fit our needs. He made the loan process easier and enjoyable.
Reply from Steven Clifford
December 22nd, 2025 08:21 PM
It's great to hear such positive feedback, Zachariah. I'm glad you and Madeline felt supported and that the options aligned with your needs. My aim is always to make the loan process as smooth and stress-free as possible, and it's rewarding...
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Steven is always organized, timely, and provides great education and explanations!
Reply from Steven Clifford
December 22nd, 2025 04:07 AM
It's great to know that my approach to organization and timeliness, along with providing thorough education and explanations, made a positive impact on your experience, Jessica. Thank you for taking the time to share your thoughts. If you have...
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Because steven is awesome and helped us out in so many ways no body else didn't! he was so patient and understanding and Explained the paperwork great!
Reply from Steven Clifford
December 17th, 2025 03:05 PM
I'm grateful for your kind words, Rayette. I'm glad I could assist you and Lee in ways that made a difference, and I'm pleased to hear that my patience and explanations of the paperwork were helpful. If you have more questions or need further...
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Steven was awesome throughout the whole process and answered all of are questions with an amazing response time and very detailed
Reply from Steven Clifford
December 15th, 2025 04:14 PM
I appreciate your kind words, Lee. I'm really glad that my responses were timely and detailed during the process. If you or Ray have any more questions or need further assistance, please feel free to reach out. Thank you for choosing Flat Branch...
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he is always very friendly and easy to work with and goes out of his way to put our best interests first, I out my complete trust in what he is telling me and doing for us
Reply from Steven Clifford
December 15th, 2025 04:14 PM
It’s heartening to hear that you find me approachable and trustworthy, Jason. Ensuring your family best interests are prioritized is always my main focus. Thank you and MIchele for placing your trust in me throughout the process. If there’s...
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Love Steven He does a great job we have done many deals together he's always responsive and on top of things
Reply from Steven Clifford
December 15th, 2025 04:15 PM
It's wonderful to hear about your positive experiences, Michele. I am grateful for your trust and collaboration over the years. Thank you and Jason for your kind words, and I look forward to continuing to work together on future deals.
Absolutely fantastic experience throughout the entire process thank you so much! Everyone was so kind and communicative and eased any stress.
Reply from Steven Clifford
December 6th, 2025 07:18 PM
I’m so glad to hear you had a great experience, Braxton! I’m excited for you and this next chapter. Thank you for taking the time to share your thoughts. If you ever have questions down the road, I’m always here to help.
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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