Flat Branch Home Loans - Steven Clifford

09/03/2026

5.0 star review received on Experience.com for Steven Clifford by Danielle S G - Attentive, responsive to questions, seamless process

Click to see all 269 reviews of Steven Clifford, Senior Mortgage Banker | NMLS # 631051

09/02/2026

5.0 star review received on Experience.com for Steven Clifford by Joshua D G - Steve was very personal and kept us informed through the whole transaction.

Click to see all 269 reviews of Steven Clifford, Senior Mortgage Banker | NMLS # 631051

09/02/2026

Knowing what you can comfortably afford is one of the best ways to start your homebuying journey with confidence. 🏡 I can help you look at the full financial picture, understand your buying power, and create a plan that feels right for your budget. Send me a message and let’s get you ready for your home search!

09/01/2026

Ever hear someone say, "inventory is high" or "inventory is low" and wonder what that means? 🤔

Inventory simply refers to the number of homes currently available for sale in a market. ✅

For buyers, inventory can impact:
🏠 How many homes you have to choose from
💰 How competitive the market feels
⏰ How quickly you may need to make an offer

Understanding inventory is one of the first steps to making a confident homebuying decision. If you're thinking about buying, we're here to help you!

09/01/2026

Buying your first home comes with a lot of questions, but having a solid financial game plan can help you move forward with confidence. 🏡 If homeownership is on your horizon, send me a message and let’s make sure you’re prepared for what comes next!

💰 Questions, give me a call!
📞 314-443-4912
📧 [email protected]
🌐 www.fbhl.com/sclifford

08/31/2026

🏠 Mortgage Market Update: The Fed Isn’t Ready to Hit the Brakes

There’s been a LOT happening in the markets, so here’s the Cliff’s Notes version 👇

🎯 Inflation is still the Fed’s #1 concern.
Fed Chair Kevin Warsh made that pretty clear in his Jackson Hole speech. Despite some cooler inflation numbers, the Fed doesn’t appear convinced that inflation is coming down fast enough.

📈 What does that mean for interest rates?
The market is now pricing in the possibility of additional Fed rate hikes over the coming months. The next Fed meeting is just two weeks away, and another employment report will give the Fed one more important piece of information to consider.

⛽ Then there’s oil…
Renewed conflict between the U.S. and Iran has pushed oil prices higher, adding another layer of inflation concerns.

📊 And mortgage rates?
The combination of inflation concerns, higher oil prices and a weaker bond market has pushed mortgage rates toward some of their highest levels of 2026.

So…what should YOU do?

If you’re thinking about buying, refinancing, or simply wondering what the heck is happening with mortgage rates, don’t make a decision based on headlines alone.

The right loan strategy depends on your situation, your timeline and your long-term goals.

💬 Have questions about rates, buying a home, refinancing, or what this market means for you? Reach out!

Steven “Cliff” Clifford
📱 Cell 314.443.4912
📧 [email protected]
🌐 www.fbhl.com/sclifford

Cliff’s Notes: The market can change quickly. Your mortgage strategy shouldn’t be based on a headline. 😉

Steven Clifford — this loan officer offers financial services from Flat Branch Home Loans.

08/31/2026

A home is one of the biggest investments you'll ever make, so it's worth thinking about the features that will add value to your everyday life as well as your long-term investment. 🏡 Prioritizing the spaces you'll use most can help you find a home you'll love for years to come. My goal is to help you secure financing that supports your needs today and your goals for the future. If you're ready to start your home search, send me a message and let's talk through your options!

08/29/2026

5.0 star review received on Experience.com for Steven Clifford by Tamika L C - Steven is the best. He has the best customer service and experience when dealing with sales and mortgage services

08/28/2026

Homeownership isn't reserved for couples or families. More women are achieving this milestone on their own and building a strong financial foundation for the future. 🏡 If buying a home is one of your goals, understanding your financing options is a great place to start. I'd love to help you explore what's possible and create a plan that fits your needs. Send me a message, and let's take the first step together!

08/27/2026

Found a home with great potential but needs some work? 🔨 A Renovation Loan could help make it happen!

With this loan, you can:
✅ Finance the home purchase and renovation costs with one mortgage
✅ Enjoy one closing and one monthly payment
✅ Make updates like kitchen remodels, flooring, roofing, HVAC upgrades, and more
✅ Access a low down payment option starting at 3.5% for qualified borrowers

A fixer-upper could open the door to more home options and the opportunity to build equity. 🏠

Learn more about our Renovation Loan program here: https://flatbranchhomeloans.com/loan-programs/203k-renovation-loan