Cindy Cliff

Mortgage Loan Officer

NMLS: 2075376

970-308-2540

cindy@cliffmortgages.com

Blog

The Inside Scoop on the Top 5 Mortgage Loan Types

The Inside Scoop on the Top 5 Mortgage Loan Types

Navigating mortgage options can seem overwhelming, but understanding the key types of loans available can simplify the process and help you make an informed decision. Here’s a clear breakdown of the top five mortgage loans to help you choose the one

Jan 23, 2025 | Purchasing a Home First Time Buyers 0% Down Payment

Non-QM Loans: 40 Year Loans, Flexible Financing for Self-Employed & Investors

Non-QM Loans: 40 Year Loans, Flexible Financing for Self-Employed & Investors

There are an array of mortgage loans designed to fit the needs of the majority of borrowers. But what if you don't fit into the majority for one reason or another? This is where Non-Qualified Mortgage (Non-QM) loans come into the spotlight. These aren&rsq

Jan 22, 2025 | Purchasing a Home Self-Employed

Helpful Home Buying Tips

Helpful Home Buying Tips

Starting the process of buying a house is an exciting journey full of opportunities and dreams. Here are some tried-and-true methods to make sure you locate a house that brings you joy long after you've unpacked the boxes, as you prepare to make what may

Dec 30, 2024 | Purchasing a Home Real Estate Info

Wishing Your Family a Wonderful Holiday Season πŸŽ„πŸŽ 🏑

Wishing Your Family a Wonderful Holiday Season πŸŽ„πŸŽ 🏑

This time of year is great for creating cherished memories with loved ones and enjoying the warmth of home. We hope that your holiday season is filled with laughter, joy, and the special moments that make this season so magical. We Wish you a Merry Christ

Dec 25, 2024 | Holiday

Higher Loan Limits for 2025 Announced

Higher Loan Limits for 2025 Announced

Loan limits for 2025 are rising, opening up new possibilities for homebuyers across the nation. These limits, set by the Federal Housing Finance Agency (FHFA), determine how much you can borrow without stepping into jumbo loan territory. This year, they&r

Dec 19, 2024 | Web Info Interest Rates Credit

Buying Down the Interest Rate on your Mortgage

Buying Down the Interest Rate on your Mortgage

If you want a lower monthly mortgage payment, you might consider buying down your interest rate when you get a new mortgage loan. This clever trick helps you lower your mortgage interest rate. And when your interest rate goes down, your monthly payments a

Dec 17, 2024 | Real Estate Info