Clifton Home Loans

Clifton Home Loans Bonita started her career in 1992 as a loan processor at a Marin County mortgage brokerage. We are committed to doing the right thing by our clients.

Bonita Clifton | NMLS 100926 | DRE 10147270
Reina Brabant | NMLS 1166829
Loan Officers
All California Mortgage dba American Pacific Mortgage | NMLS 1850
Equal Housing Opportunity
Licensed by the Dept of Financial Protection and Innovation under the CRMLA
Licensed in CA
www.nmlsconsumeraccess.org


You would be hard pressed to find a more dynamic team of mortgage professionals! Bonita Clifton and

Reina Brabant are a mother-daughter team who have a combined 46 years of mortgage experience, in underwriting, packaging and closing quality loans. She has held a variety of positions throughout the years such as processor, loan servicer, doc drawer, assistant to a top producing loan originator, and for the last 27 years has been a high producing loan officer. She prides herself in her ability to find solutions to challenging scenarios, and on her vast knowledge of agency, non-agency, and government guidelines. Reina, with a long employment history in the customer service industry, started as a loan processor in 2012. During her time as a processor she developed an in-depth understanding of the loan process, loan packaging, and underwriting guidelines which serves as a critical component to her success as a loan officer. She prides herself on her impeccable communication and organizational skills. Her attention to detail, ability to anticipate customer needs, and great people skills assure you a smooth and seamless closing. We work on every loan together, as a team, adding value to the services provided. We both stay apprised of each loan and scenario, so you can be certain that there is always someone available to answer your questions or attend to your needs. We both have a great respect for the fact that this will be one of the largest financial transactions or decisions of your life.

Very excited for our first time homebuyer who is the proud new owner of this little slice of heaven. We worked together ...
05/19/2026

Very excited for our first time homebuyer who is the proud new owner of this little slice of heaven. We worked together for about a year before he found the perfect home to call his own. No more rent raises in his future, and instead he’ll be collecting his own rental income on the cute ADU! WIN WIN!

Let us help you make your homeownership dreams come true as well!! ✨

Rest stop sunset views on the way to AZ! Bonita is road tripping to visit her sister and fam, and soaking up some sun al...
05/19/2026

Rest stop sunset views on the way to AZ! Bonita is road tripping to visit her sister and fam, and soaking up some sun along the way. 🌞

We recently funded a reverse refinance for debt consolidation. It was important to our clients that they were able to ke...
05/12/2026

We recently funded a reverse refinance for debt consolidation. It was important to our clients that they were able to keep living in their home, while paying off significant higher interest debts, eliminating their mortgage payment, and accessing additional funds to supplement their monthly income… we made 👏🏼 it 👏🏼 happen 👏🏼. These loans certainly have a time and a place and this was one of them. It’s amazing what a huge difference it can make! Now they can focus on living and enjoying retirement instead of worrying about finances.

05/12/2026

Does navigating your mortgage experience have you feeling like you’re lost at sea? Let us be your beacon!!

Ha! Cheesy, I know. But in all seriousness - if you are someone looking for a loan, or you’re a realtor working with lenders for your clients, and you aren’t feeling well represented/taken care of, we would be more than happy to help! We’re just a quick phone call away!

These clients came to us needing a creative financing solution - they have a unique property on acreage with multiple AD...
04/28/2026

These clients came to us needing a creative financing solution - they have a unique property on acreage with multiple ADUs (two of which were unpermitted) and were having a hard time keeping up with monthly obligations. We completed a cash-out refinance debt consolidation loan for them, putting the clients in a much more secure financial situation, reducing their overall monthly payments and overall blended interest rate, and leaving them with some additional cash as a cushion. During the transaction we ran into a health and safety issue with the appraisal but found a quick inexpensive solution for them, and closed the deal timely. We worked hard for them, resulting in a very positive outcome, and look forward to doing the same for you 💫

Attitude adjustment ✅Sunshine, fresh air, and nature never fails us. Fussy baby fixed right up 👌🏼
04/28/2026

Attitude adjustment ✅
Sunshine, fresh air, and nature never fails us.
Fussy baby fixed right up 👌🏼

Recently closed this commercial purchase loan for our client! He purchased a warehouse condominium in San Rafael, to mov...
04/24/2026

Recently closed this commercial purchase loan for our client! He purchased a warehouse condominium in San Rafael, to move his existing business into. We’re so excited for him, and hope this new space contributes to his already thriving business.

We helped our lovely clients purchase this beautiful home earlier this month. We had them underwritten ahead of time, so...
04/21/2026

We helped our lovely clients purchase this beautiful home earlier this month. We had them underwritten ahead of time, so they were able to offer with no contingencies, and we closed in 14 days! We are so incredibly happy for them and hope they enjoy many many joyful years in their new home. ✨

04/18/2026

Butter 🧈 and Egg 🐣 Days Parade today!! ❤️

Bodega Bay for the kids’ spring break!! 🌊🌞
04/11/2026

Bodega Bay for the kids’ spring break!! 🌊🌞

Address

1101 Fifth Avenue Ste 220
San Rafael, CA
94901

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