Clifford is a graduate of Bryant University and holds a Master of Business Administration from Babson College. He has been part of the financial services industry for over 20 years, initially with institutional investing worldwide and then as a mortgage loan officer. He has also spent time exploring the home restoration market and real estate investing. Pulling from the experiences of each, Clifford is passionate about helping individuals achieve their hopes and dreams of becoming homeowners. With a wide variety of mortgage programs available, Clifford has dedicated himself to helping his clients, including residential borrowers and investors, find the financing that is right for them. With personal experience, integrity, honesty, and compassion, Clifford takes the time to understand the needs and desires of his customers and build relationships with mutual trust. He strives to take the stress away, answer all of your questions, and work diligently to make sure you have all of the information and resources you need to make your financing decisions with confidence. Clifford is the founder and president of ACB Mortgage Solutions, a firm dedicated to assist real estate investors and secure financing for small business owners throughout the United States. For residential mortgages, he works for Edge Home Finance and is licensed in Massachusetts and New Hampshire. He is also the published author of over 30 books in print, the proud father of his daughter, and coach of her softball team. Whether you’re buying, selling, refinancing, building your dream home, or investing in real estate, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. Clifford has the expertise and knowledge you need to explore the many financing options available. Ensuring that we find the perfect solution for each and every client, regardless of their circumstances, is Clifford's ultimate goal. Clifford is committed to providing his clients with mortgage services that exceed their expectations. Ready to get started? Take some time to browse the website, check out the different loan programs available, use the decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application. After you’ve applied, Clifford or a member of his team will call you to discuss the details of your loan, or you may choose to set up an appointment with him using his online form. As always, you may contact us anytime by phone or email for personalized service and expert advice.
We are a leading mortgage company dedicated to providing exceptional service and competitive rates to homebuyers and homeowners. Our team of experienced professionals is committed to making the mortgage process simple, transparent, and stress-free.
With access to a wide range of loan products and lenders, we help you find the perfect mortgage solution tailored to your financial goals and circumstances.
We offer a comprehensive range of mortgage products including conventional loans, FHA loans, VA loans, USDA loans, jumbo loans, and more. Whether you're buying your first home, refinancing, or investing in property, we have loan options to meet your needs.
The typical mortgage process takes 30-45 days from application to closing. However, the timeline can vary based on factors such as loan type, property type, and how quickly you provide required documentation. We work diligently to expedite the process while ensuring everything is handled correctly.
Credit score requirements vary by loan type. Conventional loans typically require a minimum score of 620, while FHA loans may accept scores as low as 580. We can help you understand your options and work with you to improve your credit if needed.
Down payment requirements vary by loan type. FHA loans can require as little as 3.5% down, while conventional loans may require 3-20% depending on the terms. VA and USDA loans may offer zero down payment options for qualified borrowers. We'll help you determine the best option for your situation.
Contact me today to discuss your mortgage needs and get personalized rate quotes. I'm here to guide you through every step of the home financing process and help you achieve your homeownership goals.