Shirley Clough, Loan Consultant, NMLS ID 175716

12/08/2022

5.0 star review received on Experience.com for Shirley Clough by Jana H - Shirley was extremely responsive and consultative to our questions. Everything on our transaction went smooth. We look forward to working with Shirley again when the rates go down.

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Loan Consultant | NMLS # 175716

12/04/2022

5.0 star review received on Experience.com for Shirley Clough by Tobias H - Shirley was kind, helpful, and extremely knowledgeable. She helped through our entire process.

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Loan Consultant | NMLS # 175716

11/30/2022

5.0 star review received on Experience.com for Shirley Clough by Amanda K - Shirley made it great! It’s so nice to have a mortgage broker who has our backs, who explains everything (sometimes more than once!) and makes the home buying (and selling) process so easy!

Click to see all 134 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

10/26/2022

5.0 star review received on Experience.com for Shirley Clough by Joel L - Shirley was extremely professional, timely and helpful throughout the process.

Click to see all 133 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

08/15/2022

5.0 star review received on Experience.com for Shirley Clough by Ricky R - Shirley and her crew are the best! Great communication and everything always goes so smoothly. Another great job!

Click to see all 132 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

08/15/2022

5.0 star review received on Experience.com for Shirley Clough by Kendra H - Shirley makes the whole process seamless. She thoroughly explains each step and takes the extra time if there are questions. This is our second mortgage through Shirley and Caliber and we would highly recommend them.

Click to see all 131 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

08/12/2022

5.0 star review received on Experience.com for Shirley Clough by Parrish H - Everything was on point and relatively seamless. Shirley and her team communicated well and was always a step ahead. This is the second time we have used Shirley and we are very happy with the process.

Click to see all 130 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

07/01/2022

5.0 star review received on Experience.com for Shirley Clough by Shannon H - Shirley walked us through every step of the process, explaining every option to us that was available, sometimes more than once! She took our unique situation, which was difficult, and made it such a pleasant experience. I will forever be grateful for her patience, understanding and professionalism. We will definitely use her again

Click to see all 129 reviews of Shirley Clough,
Loan Consultant | NMLS # 175716

06/28/2022

Annual percentage rate (APR): The relationship between a loan's total finance charge and the total amount financed, expressed as an annual percentage. This total yearly cost includes interest, any discount points paid by the borrower, the loan origination fee, and mortgage insurance costs.

06/21/2022

Amortization describes the shrinking of your mortgage as you pay it off. With each mortgage payment you make, part of the repayment is applied towards reducing the principal, while a separate portion of it is applied to the interest. For most loans, you pay more toward interest in the earlier payments. As your loan ages, an increasingly larger portion of the payment gets applied directly to your principal balance.

06/14/2022

Mortgage: A legal document that pledges a property to the lender as security for payment of a debt.