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 and team were very responsive, helpful, knowledgeable, and effective.
Reply from Steven Clifford
October 27th, 2025 05:46 PM
I appreciate your feedback, Kevin. It's great to know that you found my team and me to be responsive, helpful, and knowledgeable. Thank you for highlighting our efforts. Should you have any more questions or need further assistance, feel free...
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Steve was extremely helpf and supportive throughout the process He commicated clearly, and made sure that everything gone done on time and smoothley.
Reply from Steven Clifford
October 22nd, 2025 04:31 PM
Philip, your positive feedback means a lot. I'm glad to know that my clear communication and support were helpful throughout the process. If you or Liz have any more questions or need further assistance in the future, feel free to reach out....
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Top notch service! Always available to answer questions & make the buyers feel at ease during what can be a stressful time. The level of communication cannot be beat!
Reply from Steven Clifford
October 14th, 2025 02:52 PM
It's wonderful to hear that you found the service to be top-notch, Rachel. Ensuring that I'm available to address any questions and make the process as smooth as possible for you is a priority for me. I appreciate you highlighting the communication...
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Steve was very helpful with streamlining and making the process as painless as possible. Would definitely recommend and use in the future!
Reply from Steven Clifford
October 13th, 2025 02:33 PM
Thank you for the positive feedback, Scott. I'm glad to know that I could help make the process smooth and manageable for you. Your willingness to recommend my services and consider using them again in the future is much appreciated. If you...
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Steve was amazing during the whole process! Will for sure recommend him to others!
Reply from Steven Clifford
October 13th, 2025 02:36 PM
I'm grateful for your kind words, Kenadie. It's rewarding to know that you and Matt had a positive experience throughout the entire process. Your intention to recommend my services is genuinely appreciated. If there's anything else you need,...
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I am a return client of Steve’s and has always been very helpful and available for any questions I have. He is also available to make accommodations for me when needed for signing paperwork and what not. Very personable, helpful, and friendly....
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Reply from Steven Clifford
October 3rd, 2025 02:45 AM
I'm grateful for your feedback, Megan. It's reassuring to know that my availability and readiness to assist have made a positive impact. Being personable and accommodating is important to me, and I'm glad you felt that throughout the process....
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Every need was met. Excellent service. So happy to have made this choice. Steve is awesome.
Reply from Steven Clifford
September 19th, 2025 01:52 AM
Thank you for your review, Karen. I'm really glad to hear that your needs were fully met and that you are satisfied with the service you received. It was a pleasure assisting you and Christian through the process, and if you have any further...
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Personable, friendly and transparent. Very smooth process.
Reply from Steven Clifford
September 15th, 2025 02:08 PM
I'm glad to hear that your experience was smooth and transparent, Christian. It's important to me to provide a personable and friendly service. If you or Kearen need any more assistance or have future questions, feel free to reach out. Thank...
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Working with Steve made this process so easy!! His team is great, loved working with them!
Reply from Steven Clifford
September 15th, 2025 02:08 PM
I'm grateful for your kind words, Lindsey. Knowing that the process felt easy for you is very rewarding. It was a pleasure to work with you and I'm glad to hear you had a positive experience with my team as well. If there’s anything else you...
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This was my first time purchasing a home and everyone was incredibly helpful guiding me through this process as effortlessly as possible
Reply from Steven Clifford
September 13th, 2025 07:25 PM
Guideon, thank you for sharing your experience. I'm really glad to know that you found the guidance helpful during your first home purchase. Assisting clients through their home-buying journey with ease is always a primary goal for me. Should...
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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