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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Business Hours
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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
Thanks, Steven took some doing but came out good thanks again
Reply from Steven Clifford
December 2nd, 2025 06:27 PM
Your appreciation is valued, Daniel. I'm pleased to know that things turned out well for you. If you have any more questions or need assistance in the future, feel free to reach out. Thank you once again for your feedback.
Steven took us through the whole process step by step and really made it much easier for us. We appreciated his willingness to explain things we didn't understand and the hard work he did to get us to the finish line. Thanks Steven
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Reply from Steven Clifford
December 2nd, 2025 04:51 PM
I'm glad to hear that my step-by-step approach was helpful for you, Cynthia. I know how important it is to have clarity throughout the home loan process, and I'm pleased that I could assist by explaining everything along the way. If you or...
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Our home buying experience was so smooth. Everything was great.
Reply from Steven Clifford
December 1st, 2025 04:30 PM
I'm glad to hear that your home buying process went smoothly, Amanda. If there's anything more I can do for you and Dusty, feel free to reach out.
Great communication and great loan officer!
Reply from Steven Clifford
November 24th, 2025 03:32 PM
I'm grateful for your kind words, Shannon. Look forward to popping many more bottles with you :)
Steven was excellent on communicating and super knowledgeable on all aspects of loan process. He was amazing to work with and will use him on our next mortgages for the future.
Reply from Steven Clifford
November 20th, 2025 06:28 PM
Thank you for your kind words, Josh. I'm glad to hear that my communication and knowledge were helpful to you throughout the loan process. It's wonderful to know you'd consider working with me again on future mortgages.....I'm sure we will...
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Communication was wonderful! I truly appreciate how well Clifford stayed on top of everything.
Reply from Steven Clifford
November 20th, 2025 02:55 PM
It's encouraging to hear that you appreciated the communication, Mindy. Staying on top of everything to ensure a smooth process is important to me. If you have any more questions or need further assistance, feel free to reach out anytime. Thank...
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He was great and made my experience seamless especially as a first time home buyer!
Reply from Steven Clifford
November 18th, 2025 03:08 PM
I'm pleased to hear that your first-time home-buying experience was seamless, Hannah. It's always exciting to help someone through this process for the first time. If you have any more questions or need assistance in the future, feel free to...
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Steve was great from the start to the end. His communication throughout the process was one of the best in the 12 yrs I've been in real estate. Steve did great and would highly recommend him to anyone.
Reply from Steven Clifford
November 5th, 2025 02:57 PM
I appreciate the kind words, Dale. It's encouraging to know that you valued my communication throughout the lending process. Being part of your real estate journey was truly important to me. If any future needs arise or questions come up, I'm...
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Steven was amazing! Responded fast. Answered any and all my questions. Will always refer him to everyone I know that's looking to get into a home! Thank you again Cliff!
Reply from Steven Clifford
October 31st, 2025 02:20 PM
Chrisdina, I appreciate your kind words! It's important to me to be responsive and address all your questions throughout the process. I'm grateful that you would consider recommending me to others. If you need anything else in the future, please...
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Great communication!
Reply from Steven Clifford
October 27th, 2025 05:46 PM
I'm grateful for your feedback, Lindsey. It's nice to know that my communication met your expectations. If you have any more questions or need further assistance, feel free to reach out. Thank you for taking the time to leave a review.
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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