Clift Mortgage is a team of home lending professionals that have been walking first time home buyers, investors, veterans, senior citizens, and people with challenged credit through the murky waters of residential lending for nearly two decades. With over 100 years combined experience, we know the pitfalls to avoid, and we have the answers you need.
My wife, our son and I just recently bought our first home and it's all thanks to Matthew Holland at Sean Clift Mortgage. We had the Government shutdown looming over our USDA loan and Matt got it done. He is nothing short of amazing and a fantastic loan officer. He always answered his phone when we had questions or wanted status updates on our loan.
My wife, our son and I just recently bought our first home and it's all thanks to Matthew Holland at Sean Clift Mortgage. We had the Government shutdown looming over our USDA loan and Matt got it done. He is nothing short of amazing and a fantastic loan officer. He always answered his phone when we had questions or wanted status updates on our loan.
Services
About Us
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Rooted in community, and dedicated to helping our neighbors achieve big dreams-it's the return business and referrals that have kept our doors open through all the economic turmoil of past years. In fact folks that we helped get into their dream homes two decades ago, are now sending their adult kids to us - a compliment we cherish, and honor deeply.
First-Time Home Buyers
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Just the idea of purchasing your first home can be so overwhelming that most folks put off making that first call to get pre-qualified for a long time. At Clift Mortgage, we know you have questions, and getting your questions answered is our specialty. You wonder about your credit, and really wonder if you can afford this investment, or even if it is a wise economical decision for you.
Reverse Mortgage
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This useful loan option is designed to help homeowners and homebuyers age 62 and older convert some of their home equity into cash-so they can live more comfortably, with greater financial independence. A reverse mortgage does not have to be repaid until you sell or no longer live in your home.
During the application process, you'll receive a clear and detailed breakdown of all fees and closing costs, including the total loan costs over the projected life of the loan.After the loan is repaid, any remaining equity belongs to you or your heirs. Additionally, the HECM reverse mortgage is insured by the FHA, making it a "non-recourse" loan.
During the application process, you'll receive a clear and detailed breakdown of all fees and closing costs, including the total loan costs over the projected life of the loan.After the loan is repaid, any remaining equity belongs to you or your heirs. Additionally, the HECM reverse mortgage is insured by the FHA, making it a "non-recourse" loan.
Construction Loans
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Unlike banks and giant online lenders, independent loan originators specialize exclusively in home loans. They can find the best loan for your situation, and because we have access to wholesale rates, we pass those savings on to you which result in lower monthly payments. If you've been putting off buying a home because you think you need a big down payment, we should talk.
Challenged Credit/No Credit
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Don't rule yourself out, or extinguish your dream of homeownership just because of a credit challenge! Home loans still do exist for bad credit, and you may be surprised to know that there are programs that accept a score of 580. These loans can be more expensive, however, don't be too fast to judge what is considered "bad" and what is not.
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