Business Details
37 Years
experience
Your Trusted Partner for Mortgage Financing Solutions
Cliffco Mortgage Bankers has been a trusted partner in mortgage financing since 1989, serving clients across the United States with personalized solutions. Our hands-on approach ensures every client receives tailored guidance through the mortgage process, supported by a team of seasoned professionals. With in-house credit approval and origination capabilities, we offer competitive rates and prompt decisions, backed by decades of experience in the industry. Our commitment to excellence extends to a diverse range of loan products, including conventional, FHA, VA, and non-QM loans, designed to meet varying financial needs. We maintain strong partnerships with real estate professionals, accountants, and financial planners to provide comprehensive support for homebuyers and investors.Our licensed team operates in 30+ states, combining local market knowledge with national resources to deliver seamless mortgage experiences. We prioritize transparency, education, and proactive communication to empower clients in achieving their real estate goals. Our values of innovation, accountability, and integrity guide every transaction, ensuring predictable excellence and client satisfaction. With a focus on continuous improvement, we invest in technology and talent to streamline processes while maintaining a human-centric approach. Cliffco Mortgage Bankers remains dedicated to transforming homeownership dreams into reality through customized financing solutions and unwavering customer service.
Services
Conventional Loans
FHA Loans
VA Loans
Non-QM Loans
Renovation Loans
USDA Loans
Reverse Mortgages
Down Payment Assistance
Refinancing
Investor Loans
Details
- Year established: 1989
Highlights and features
- We offer 30+ years of mortgage industry expertise with licensed professionals in 30+ states.
- Our in-house credit approval process ensures faster decision-making and competitive rates.
- We provide tailored loan products for diverse financial situations, including non-QM options.
- Our team maintains partnerships with real estate professionals for comprehensive market insights.
- We guarantee transparent communication and personalized guidance throughout the mortgage process.
What people say
Very professional staff
Amazing Loan Officer
Seamless process
Quick communication
Perfect solution
Services
Conventional Loans
Conventional loans provide flexible mortgage solutions for borrowers with strong credit profiles. These fixed or adjustable-rate loans require as little as 3% down payment through programs like Fannie Mae HomeReady and Freddie Mac Home Possible. Our team helps clients navigate private mortgage insurance requirements and optimize loan terms for primary residences, investment properties, or second homes while maintaining competitive interest rates.
FHA Loans
FHA loans offer accessible homeownership opportunities with 3.5% down payments for borrowers with credit scores of 580+. We specialize in FHA 203(k) renovation loans that combine purchase and repair costs. Our specialists guide clients through mortgage insurance premium calculations and eligibility requirements while ensuring compliance with HUD regulations for first-time homebuyers.
Non-QM Loans
Non-QM loans serve self-employed professionals, gig workers, and foreign nationals through bank statement, asset depletion, or DSCR verification methods. Our underwriters evaluate non-traditional income sources and credit histories to create customized solutions for borrowers who don't qualify for standard mortgage products while maintaining responsible lending practices.
Renovation Loans
Renovation loans finance property purchases and upgrades through Fannie Mae HomeStyle and Freddie Mac CHOICERenovation programs. We help clients budget for repairs, manage contractor payments, and ensure project completion while maintaining single-closing efficiency. These products benefit buyers seeking fixer-uppers or homeowners planning major home improvements.
Reverse Mortgages
Reverse mortgages enable homeowners aged 62+ to convert home equity into tax-free funds without monthly payments. Our counselors explain different payment structures, explain HUD requirements, and help seniors understand how these loans affect estate planning while ensuring compliance with financial assessment standards.
People
Joseph Cordeira
Sales Manager | Loan Officer
With over 15 years in mortgage banking, Joseph specializes in complex loan scenarios and has helped hundreds of clients achieve homeownership through personalized financing strategies.
Emily Cordeira
Loan Officer
Emily brings decade-long expertise in FHA and conventional loans, focusing on first-time homebuyer education and down payment assistance programs to make homeownership accessible.
Ryan Riddle
Vice President
As a mortgage industry veteran, Ryan develops innovative lending solutions and oversees Cliffco's training programs that maintain the company's 98% client satisfaction rate.
Johana Amaya
Loan Officer
Johana specializes in first-time homebuyer programs and bilingual mortgage services, helping diverse communities navigate the loan process with clear communication.
James Perrone
Loan Officer
With 25 years of experience, James focuses on investor loans and portfolio financing, providing tailored solutions for real estate professionals and property investors.
Questions
What loan types does Cliffco offer?
Cliffco provides conventional, FHA, VA, USDA, non-QM, renovation, reverse mortgages, and refinancing options tailored to diverse financial needs.
How can I get pre-approved for a mortgage?
Contact a Cliffco loan officer who will assess your financial situation and determine your affordability within 24 hours.
Do you offer down payment assistance programs?
Yes, Cliffco offers state-specific down payment assistance programs for eligible first-time homebuyers.
Can self-employed individuals qualify for loans?
Yes, Cliffco specializes in non-QM loans for self-employed borrowers using bank statements or asset depletion methods.
What are your closing timelines?
Most Cliffco mortgages close within 30 days due to our in-house approval process and direct lending model.
