Cliffco Mortgage Bankers is your trusted partner for mortgage financing solutions. With our commitment to excellence and hands-on approach, we empower home buyers and investors across the U.S. to secure the perfect financing solutions for their unique needs.
Meet with a loan officer who can help assess your financial situation and determine how much you can afford for a home purchase.
Connect with a local Realtor and start shopping for homes in your budget.
Once you find a property you love, it’s time to make an offer to the seller. If the offer is accepted, you’re ready for the next step.
You will submit a formal loan application and provide detailed information about the property and your finances.
A processor will verify your credit, employment, and assets, and then submit all documents to Underwriting to determine if the loan is approved. A home appraisal will then be ordered.
Once the loan is approved, you will receive a commitment letter outlining the terms of the loan.
This is the final step! You will sign all necessary paperwork, pay closing costs, receive the keys, and move in!
The map below showcases the states where Cliffco is licensed to originate, and where we currently have branches available for in-person appointments. If a branch isn’t available in your area, we can assist you virtually with your mortgage process. Simply locate a loan officer licensed in your state, and connect with us today.
Branch NMLS: #65328
70 Charles Lindbergh Blvd., Suite 200 Uniondale NY 11553
At Cliffco Mortgage Bankers, we believe in taking a personalized approach to every customer’s financial journey. Our dedicated team of mortgage loan officers carefully evaluates each client’s unique needs to recommend the perfect loan product that aligns with their specific needs, goals, and financial situation. With our commitment to understanding your individual requirements, we ensure a seamless and customized mortgage experience that empowers you to achieve your real estate goals with confidence. You can expect professional and personalized experience and exceptional customer service.
Get an idea of what your payments or budget could look like.
At Cliffco Mortgage Bankers, we believe in taking a personalized approach to every customer’s financial journey. Our dedicated team of mortgage loan officers carefully evaluates each client’s unique needs to recommend the perfect loan product that aligns with their specific needs, goals, and financial situation. With our commitment to understanding your individual requirements, we ensure a seamless and customized mortgage experience that empowers you to achieve your real estate goals with confidence. You can expect:
EXCELLENT Based on 355 reviews Rob. Townsend2025-04-05Trustindex verifies that the original source of the review is Google. First-time homebuyer in Queens – went with Cliffco for a SONYMA low-interest mortgage. My income history turned out to be unique for SONYMA, which brought some angst and delay into the process – but Sean and his Cliffco colleagues were strong partners throughout. I appreciated the straight-up communications and support from beginning to end – never any doubt that Sean had my back. All ended well (writing this from my new apt!) – Strongly recommended! Clau Glamour2025-04-02Trustindex verifies that the original source of the review is Google. We are so happy with all the helped we received from Sergio, thanks to him our dream came true. He was guiding us all the way and explaining any of our doubts! We were blessed with him! First choice Courier2025-03-27Trustindex verifies that the original source of the review is Google. I had an amazing experience working with Mario Argenzio throughout the mortgage process. From our very first conversation, Mario demonstrated a deep knowledge of the industry and was incredibly patient in explaining all my options. He took the time to answer every question thoroughly and made sure I felt confident at every step. What stood out the most was Mario's dedication and responsiveness. He was always available, whether by phone or email, and kept me updated throughout the process. Even when unexpected challenges arose, Mario handled them with professionalism and ensured everything stay on track. His attention to detail and commitment to finding me the best possible rate truly exceeded my expectations. Thanks to Mario expertise and guidance, I was able to secure a great mortgage with terms that fit my financial goals. If you are looking for a knowledgeable, trustworthy, and reliable loan officer who goes above and beyond, I highly recommend Mario Argenzio. He made what can often be a stressful process feel smooth and seamless. I can't thank him enough for making my homeownership dream a reality! Latoya Singh2025-03-26Trustindex verifies that the original source of the review is Google. What a pleasure it was working with Mario and his team! The dedication, effort, and passion they put into my deal made it feel as if they were helping a family member. Mario’s professionalism, care, and trust throughout the process were truly priceless. I can't thank you all enough for going above and beyond to get the job done. It's people like Mario and his team who restore faith in both business and humanity. Thank you so much, Mario and team! George Molina2025-03-25Trustindex verifies that the original source of the review is Google. Johana is incredibly knowledgeable, proactive, and ensures all parties are informed throughout the entire process. My clients consistently praise her outstanding customer service, as she goes above and beyond to find the best loan options tailored to their needs. Whether you're a first-time homebuyer or selling and relocating, she makes the financing process smooth and stress-free. A true professional and a pleasure to work with! Justin Aftanis2025-03-24Trustindex verifies that the original source of the review is Google. They were a pleasure to work with, great communication, available for questions, kept me up to date as the transaction progressed. Highly recommend their services.
We’d love to hear from you, Write us a review!
A fixed-rate mortgage has a constant interest rate and monthly payment throughout the loan term. An ARM has an interest rate that can change periodically.
To determine how much house you can afford, consider your income, debts, down payment, credit score, and other financial obligations. Lenders typically look at your debt-to-income ratio and may recommend that your monthly housing costs (mortgage, taxes, insurance) not exceed 28% of your gross monthly income.
The down payment typically ranges from 3% to 20% of the home's purchase price, depending on the loan type and lender.
Your credit score, down payment, loan type, and loan term can all affect your mortgage interest rate.
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CLIFFCO MORTGAGE BANKERS
70 Charles Lindbergh Blvd Suite 200, Uniondale, NY 11553, United States
Monday
9 AM – 5 PM
Tuesday
9 AM – 5 PM
Wednesday
9 AM – 5 PM
Thursday
9 AM – 5 PM
Friday
9 AM – 5 PM
Saturday
Closed
Sunday
Closed
Cliffco, Inc. is not affiliated with or acting on behalf of the FHA or any government entity. Equal Housing Lender. Cliffco, Inc. Corporate NMLS#65328 (www.nmlsconsumeraccess.org) 70 Charles Lindbergh Blvd, Suite 200, Uniondale, NY 11553 (516) 408-7300. Licensed Mortgage Lender by AK Division of Banking and Securities AK65328, AK65328-1; AL Mortgage Broker/Lender License #23581; AZ Mortgage Banker License 1045708; CA DFPI Financing Law License 60DBO-181882; CO Dept. of Regulatory Agencies Division of Banking; CT Department of Banking MCL-65328; DE Office of the State Bank Commissioner 040096; DC Department of Insurance, Securities, & Banking MLB65328; FL Office of Financial Regulation MLD1245; GA Department of Banking & Finance 65328; IN Indiana Department of Financial Institutions 70581; IL Department of Financial & Professional Regulation MB.6761824; KS State Bank Commissioner of Kansas MC.0026625; KY Department of Financial Institutions MC838985; LA Office of Financial Institutions 65328; MD Office of Financial Regulation; MI Department of Insurance and Financial Services 1st Mortgage Broker/ Lender Registrant License #FR0026300; NJ Department of Banking & Insurance; Licensed Mortgage Banker by the NYS Department of Financial Services LMBC109800; NM New Mexico Regulation & Licensing Dept.; NC Commissioner of Banks L-211081; OH Department of Commerce Residential Mortgage Lending Act RM.805200.000; OR Oregon Department of Consumer and Business Services 65328; PA Department of Banking & Securities 45275; SC State Board of Financial Institutions MLS-65328; TN Department of Financial Institutions Mortgage License 65328; TX Department of Savings & Mortgage Lending; VA Bureau of Financial Institutions MC-7742; WA State Department of Financial Institutions CL-65328. This is not a commitment to lend or extend credit. Restrictions may apply. All loans are subject to credit and underwriting approval. Not all loan products are available in all states. Rates may not be available at time of application. Information and/or data are subject to change without notice.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV
Cliffco, Inc. is not affiliated with or acting on behalf of the FHA or any government entity. Equal Housing Lender. Cliffco, Inc. Corporate NMLS#65328 (www.nmlsconsumeraccess.org) 70 Charles Lindbergh Blvd, Suite 200, Uniondale, NY 11553 (516) 408-7300. Licensed Mortgage Lender by AK Division of Banking and Securities AK65328, AK65328-1; AL Mortgage Broker/Lender License #23581; AZ Mortgage Banker License 1045708; CA DFPI Financing Law License 60DBO-181882; CO Dept. of Regulatory Agencies Division of Banking; CT Department of Banking MCL-65328; DE Office of the State Bank Commissioner 040096; DC Department of Insurance, Securities, & Banking MLB65328; FL Office of Financial Regulation MLD1245; GA Department of Banking & Finance 65328; IN Indiana Department of Financial Institutions 70581; IL Department of Financial & Professional Regulation MB.6761824; KS State Bank Commissioner of Kansas MC.0026625; KY Department of Financial Institutions MC838985; LA Office of Financial Institutions 65328; MD Office of Financial Regulation; MI Department of Insurance and Financial Services 1st Mortgage Broker/ Lender Registrant License #FR0026300; NJ Department of Banking & Insurance; Licensed Mortgage Banker by the NYS Department of Financial Services LMBC109800; NM New Mexico Regulation & Licensing Dept.; NC Commissioner of Banks L-211081; OH Department of Commerce Residential Mortgage Lending Act RM.805200.000; OR Oregon Department of Consumer and Business Services 65328; PA Department of Banking & Securities 45275; SC State Board of Financial Institutions MLS-65328; TN Department of Financial Institutions Mortgage License 65328; TX Department of Savings & Mortgage Lending; VA Bureau of Financial Institutions MC-7742; WA State Department of Financial Institutions CL-65328. This is not a commitment to lend or extend credit. Restrictions may apply. All loans are subject to credit and underwriting approval. Not all loan products are available in all states. Rates may not be available at time of application. Information and/or data are subject to change without notice.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV