- How Does It Work?
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:
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.
Let’s Start the Conversation
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; IL Department of Financial & Professional Regulation MB.6761824; IN Indiana Department of Financial Institutions 70581; 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; 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; VT Department of Financial Regulation LL-65328; 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
