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
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.
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.
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.
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.
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.
Reviews (11)
Joel Anastasi
Jan 02, 2021
Report
Sean Clift is an elite talent. He’s been in this business for a long time and I’ve learned a lot from him through the 3 mortgages we’ve completed. A few years ago, he helped us buy our first home at a great rate and made the whole process very easy for my wife and I. This year in 2020, we had a lot of equity in that same home but my credit was pretty low. Sean helped me set a plan of action to get my credit up and within a couple months of hard work I had my score up over a 750 middle score. We did a cash-out refinance on our house converting it to an investment property with an amazing interest
Brian Cristion
Oct 15, 2020
Report
Brian Kilmer
Sep 26, 2020
Report
Sean is awesome!! I didn’t think I’d be able to purchase a home for few years. I had credit issues, and even a foreclosure. Sean worked extremely hard. I’m talking late nights, weekends whatever it took and got my credit cleaned up and I just closed on a house. I would highly recommend Clift Mortgage to anyone thinking about buying a home.
Heather R.
Feb 28, 2020
Report
Lukas Cox
Mar 02, 2019
Report
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. Matt is on top of his work and is is very efficient at what he does. He got us a fantastic deal and shopped around until he found the best one and didnt settle for anything less than the best. We highly recommend Matthew to anyone looking for
Dana Allen
Apr 27, 2017
Report
Anna Flaherty
Sep 27, 2016
Report
Vanessa Burrows
Nov 12, 2015
Report
Sean and his team are fantastic people with admirable integrity. They helped us through all the tough stuff with kindness and patience, answering every question and concern. This was the first time I have… purchased a home and I can honestly say I couldn't have done this without Sean. He came highly recommended from multiple people in my community and I would encourage anyone buying a home to work with Sean. My dream of buying a home for my family came true. Thank you so much! :)
Angela Busby
Nov 12, 2015
Report
Eric Huether
Oct 30, 2015
Report
Angela Busby
Jun 03, 2015
Report