Other Loans

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.

Other Loans

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.

See Other Loans Below

Low Down Loans

For buyers looking for Low Down Payment Options, there’s more than FHA. 

WE CAN HELP WITH A CONVENTIONAL 3% DOWN LOAN

• Down payment as low as 3% even for first time buyers
• Typically faster, easier and with lower monthly payment than FHA
• Reduce or even eliminate monthly Mortgage Insurance 
• Gift funds can be used for entire down payment

READY. SET HOME. CALL TODAY ABOUT THE 3% DOWN LOAN! 

Apply Now

FHA Loans

If you’ve been putting off buying a home because you think you need a big down payment, we should talk. Our FHA loans are perfect for home buyers with limited savings and easier to qualify for than a conventional loan. 

• For less than first, last, and rental deposits, you could be building equity in a home of your own with just 3.5 down.
• Easy qualification. Our FHA loans are more forgiving when it comes to your past credit
• Gift funds accepted. Friends or family members are welcome to help out with your down payment
• Fast and worry-free. We close most loans in 30 days or less. You may even be able to include your closing costs in the mortgage.  
  
 READY. SET HOME. CALL TODAY to Get Pre-Approved For Free And With Zero Obligation with Clift Mortgage! 

Apply Now

Doctor Loans

If you’re currently in, or have recently completed a medical residency or fellowship, our doctors’ loans allow you to exclude student loans when calculating your debt-to -income ratio. 

DON’T LET STUDENT LOANS GET IN THE WAY OF YOUR DREAM HOME
• Up to 97% LTV
• LPMI available to eliminate the need for monthly PMI payments
• 720 fico required
• Deferment must continue for at least 12-months from the loan closing date

READY. SET HOME. CALL TODAY ABOUT THE DOCTOR LOANS AT CLIFT MORTGAGE!


Apply Now

USDA Zero Down Loans

USDA loans put the American dream of home ownership back within reach. 

• Rural properties only- call us to know what areas qualify before you shop
• 100% financing- now down payment, no cash reserves needed
• Easy buyer verification, seller contribution allowed
• Zero credit score and Alternative credit allowed 

READY. SET HOME. CALL TODAY TO FIND A HOME THAT QUALIFIES FOR USDA! 

Apply Now

Delayed Financing

Did you recently purchase a home with cash in this competitive market to make sure your offer was accepted? 

GET YOUR MONEY BACK INTO YOUR SAVINGS

• Refinance immediately after purchase
• Free up your cash for other purchases or investments
• Close your loan in 30 days or less

READY. SET HOME. CALL TODAY TO GET YOUR MONEY BACK IN YOUR POCKET WITH DELAYED FINANCING!


Apply Now