• PURCHASE • REFINANCE • INVEST • BUILD •

We Change Lives by Making Home Ownership Simple and Affordable

As a boutique mortgage company, we focus on delivering customized mortgage solutions for each client, while developing a long-term roadmap to make your dreams a reality and create generational wealth. If you want to see what a home loan advisor should be, you are in the right place.

Let Clifton Mortgage Solutions serve you today!

Free Expert Advice

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Who we are

Flexible, adaptable, and customized mortgages to fit your needs.

As a boutique mortgage firm we take pride in offering personal service to each and every client.
Clear, consistent and timely communication
Great rates & terms for your specific situation
Every effort to close your loan as fast as possible
Mortgage expertise
The highest fiscal moral standards
Commitment to long-term client relationships
Realistic expectations
Hand holding and education

EstablisheD

2003

WHAT WE DO

Simply put, we do Real Estate Mortgage Loans.

Buy Your Home

Home uses:
Primary Homes
Vacation/Second Homes
Investment Properties

Types of homes:
Single Family Homes
Town Homes
Condos
Condo-Hotels
Manufactured Homes
Multifamily Homes

Refinance Your Home

Take advantage of current rates and new home loan programs:
Rate and Term Refinance
Cash out Refinance
Debt Consolidation
Home Improvement
Divorce Buy-Out

Access Your Home Equity

Put your home equity to work for you.
Home Equity Line of Credit (HELOC)
Home Equity Loan (HELOAN)
Cash Out Refinance
Reverse Mortgage Loan
Bridge Loan

First Time Buyers

We work one on one with you to turn the dream owning your first home into a reality.
Special home loan programs for first time buyers
Down Payment Assistance for First Timers, Vets and Repeat Buyers
As little as 0% down payment

Down Payment Assistance

Grants, Loans and Assistance to buy your home.
Florida Bond
Hometown Heroes
Smart Buy (NO income limit or FTHB requirement)
One Plus
State Housing Initiative Partnership
Very Low Income Program
Realtors Care Grant
Flexible income limits and credit score requirements
Forgivable, repayable or deferred options
Assistance can cover down payment and closing costs

Build Your Home

Custom construction from the ground up:
Construction One Time Close
Jumbo Construction
FHA Construction
VA Construction

Renovation, Remodel, Additions and Improvements:
Turn your home into your dream home!
Kitchens, bathrooms, living spaces and bedrooms
Energy efficient improvements, including solar
Build a pool

Invest in Real Estate

Seasoned or New Investors, we have financing for you.
Debt Service Coverage Ratio (DSCR)
Fix and Flip
Rental Portfolio
Hard Money
Close in an LLC
Conventional and Jumbo
All Property Types
2-4 and 5-8 Multi-Unit properties

Finance Commercial Property

Outside the box commercial real estate financing:
SBA
Non-Bank Alternative Loans
Hard Money
Acquisition & Development
Construction
Most Property Types

Relocation Mortgage Experts

Buy before you start your new job
Buy before you sell
Local home service provider
recommendations
Interim housing assistance

Our Values

We Change Lives by Making Home Ownership Simple and Affordable

Our Vision

To create accessibility and convenience in housing finance for all individuals, enabling them to fulfill their dream of homeownership.

Our Mission

Prioritize service quality and customer satisfaction by offering an efficient, fast, and hassle-free mortgage experience.

Our Motto

Unlocking Homeownership Dreams Together. Provide innovative, affordable, and tailored housing finance solutions that meet clients' needs.

DISCOVER MORE

Ready to discover more?
Click the link below to schedule your free one on one educational session and get personalized guidance on your homeownership journey.
Discover More

Join us for our next FREE live online Masterclass!
Whether you’re buying your first home, investing in real estate, or preparing to sell, our expert-led sessions cover everything you need to know about mortgages and real estate. Topics include: First Time Home Buyer: From Renter to Owner, Building Wealth Through Real Estate Investing, Becoming Debt Free Through Buying Real Estate, and Selling Your Home for Top Dollar. Our Masterclasses are designed to empower you with the knowledge and confidence to turn your real estate dreams into reality. Don’t miss out!
Register for our next Masterclass

Ready to take the first step?
Click below to share your initial information—detailed or general, it’s entirely up to you. There’s no cost, no obligation, and no hard credit pull.
Click Here to Get Started

Why Choose us

We are a Boutique Mortgage Lender with long-standing relationships.

We are passionate about home loans and care about every client. Buying a home is the largest financial investment most people will ever make. As such, we treat every client with the highest level of service not matter how big or small your home purchase is.

Competitive Pricing

Boutique means custom, not expensive. Since 2002 we have developed lending relationships that let us offer outstanding rates with the lowest costs.

Free Consultations

Our free consultation isn’t 1 time. We offer ongoing home loan and ownership support with annual reviews, key date follow up, credit assessment review and action plans, real time market-based refinance assessments and more. We firmly believe there is no such thing a person who does not qualify to buy a home, there is only a person who takes longer to qualify.

Why Clifton Mortgage Solutions

We don’t say no, we find solutions. Innovation, creativity, teamwork and collaboration gets your home loan closed.

24/7 Premium Support

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How it Works

Let us help you get your home loan today.

Step 1

Initial Consultation

Schedule your Initial Free Consultation

Step 2

Client Questionnaire

Provide your initial client questionnaire and supporting documentation in your Client Portal

Step 3

Home Loan Magic Happens

We evaluate your unique situation and provide the multiple mortgage solutions that fit you, and a roadmap qualify for the best home loan possible

Step 4

Welcome Home

Whether you are buying or refinancing, we are with you every step of the way. Your Home Loan Advisor is available to answer questions, explain the process, and provide clarity. Remember, we Change Lives by Making Home Ownership Simple and Affordable

Our Blog

MARKET NEWS

Check out the links below for insightful up to date news and information!

Meet Our Team

Teamwork makes the dream work.

Managing Member, Mortgage Loan Originator NMLS #284174

Cornell University graduate 1993
Mortgage professional since 2002
National Association of Mortgage Brokers' Broker of the Year 2024 and 2025
Married since 1998 to the woman of my dreams
Proud father of 2
Avid fisher, diver, lobsterer and boater
Diehard Tottenham fan COYS!

Mortgage Loan Originator, NMLS #373946

Mortgage professional since 2004
Joined the Clifton Mortgage Team in 2013
My wife and I have been happily together for 30 amazing years
We are blessed with 2 beautiful children

Mortgage Loan Originator, NMLS #2050219

University of Florida Graduate 2020
Financial Advisor and Mortgage Professional
Professional Golfer (…but only in my dreams)
Travel Enthusiast

Mortgage Loan Originator, NMLS #374216

Mortgage Professional since 2011
Financial advisor since 1995
Married since 1990…what a lucky woman
One daughter attending UF

Mortgage Loan Originator, NMLS #2464910

University of Central FL MBA 1997
Embry-Riddle University 1991
Mortgage Professional since 2023
Financial Professional since 2002
Proud father and husband
Ex-Tennis Pro (not really) and Pub Darts Champion (really)

Office Support

Boston University graduate 1989
Licensed Occupational Therapist
Proud mother and spouse
Love to fish, boat, and play games with my family and friends

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Clifton Mortgage Solutions, LLC
NMLS #852745, License #MLD734
1177 Louisiana Avenue, Suite #213
Winter Park, FL 32789

(888) 681-0777 ext. 1001 Toll Free
(866) 512-0169 Fax
(407) 252-3039 Mobile

Disclaimer

Licensing

Clifton Mortgage Services, LLC DBA Clifton Mortgage Solutions NMLS #852745 is an Equal Opportunity Mortgage Company. Clifton Mortgage Solutions is a DBA in Florida Only.

Colorado Mortgage Broker License #MLO.100013712

Florida Mortgage Lender License #MLD734

Georgia Mortgage Broker License #GRMA852745

North Carolina Mortgage Broker License #B-216715

Texas Mortgage Company License #852745