Cindy Cliff

Mortgage Loan Officer

NMLS: 2075376

970-699-3483

cindy@cliffmortgages.com

Cindy Cliff Mortgage Loan Officer
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Your Trusted Colorado Mortgage Specialist

At Competitive Strategic Outlines, we focus on providing tailored mortgage solutions for the Loveland community. Let us guide you through every step of your mortgage journey.

Flexible Loan Options

Specialized Mortgage Services in Colorado – HELOC, DSCR, Reverse, and Purchase Loans

Not every borrower fits into a traditional lending box, and that’s why we specialize in flexible solutions. Whether you’re a first-time homebuyer, an investor looking for income-based qualifications, or a homeowner wanting to unlock equity, our specialized mortgage services are designed for you. With personalized guidance and competitive programs, we make financing clear, simple, and achievable.

Purchase Loans Made Simple

Find the right loan to buy your first home or next property. We guide you through every step with flexible options and local expertise.


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Flexible Home Equity Lines of Credit

Tap into your home’s equity to fund renovations, debt consolidation, or new investments with our competitive HELOC programs.


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Smart Investor Solutions with DSCR & Non-QM

Qualify based on rental income or alternative criteria. Our DSCR and Non-QM programs are built for today’s investors.


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Secure Your Future with a Reverse Mortgage

Stay in your home while accessing your equity. Our reverse mortgage solutions provide financial freedom in retirement.


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New

Equity Select

A flexible line of credit with required 
payment options as low as 1%

Trust

Why Our Clients Choose Us for Mortgages

With years of experience and a commitment to excellence, we have earned 5-star reviews from our satisfied clients. Our AIME ranking reflects our dedication to providing top-notch mortgage solutions.

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Proven Track Record of Success

Join countless happy homeowners who trust us.

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Client Satisfaction is Our Top Priority

We prioritize your needs and goals at every step.

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Experience You Can Rely On

Our team brings decades of combined expertise.

Start Your Application Today

Get started on your mortgage journey with our quick and easy application process.

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Trusted Loan Programs

Government-Backed Loan Programs – FHA, VA, USDA, and Renovation Loans

Government-backed loan programs provide more accessible paths to homeownership, especially for buyers who need lower down payments, reduced interest rates, or flexible qualification standards. Whether you’re purchasing your first home, renovating a property, or taking advantage of veteran benefits, these programs deliver trusted options supported by federal agencies.

Affordable FHA Loans

Benefit from low down payments and easier qualification. FHA loans make homeownership more accessible for many buyers.


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FHA 203(k) Renovation Loans

Finance both the purchase and improvements of a home with one loan. Perfect for fixer-uppers or remodels.


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VA Loans for Military Families

Take advantage of exclusive benefits for veterans and active service members, including no down payment and reduced fees.


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USDA Rural Housing Loans

Designed for rural and suburban buyers, USDA loans offer affordable financing with no down payment required.


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Proudly serving the vibrant communities of Loveland, Fort Collins, and Greeley.

Our local expertise ensures you receive the best mortgage solutions tailored to your needs. Experience personalized service and support every step of the way.

Local Focus

We understand the unique real estate market of Northern Colorado.

Community Commitment

Dedicated to helping our neighbors achieve their homeownership dreams.

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More Ways to Finance

Expanded Mortgage Solutions – Conventional, Jumbo, Commercial & Refinance Options

For borrowers with diverse financial needs, we provide expanded loan solutions that go beyond the basics. From financing high-value luxury homes to commercial properties or simply lowering your current mortgage payment, these programs offer competitive rates and terms designed to support growth, stability, and long-term success.

Conventional Loan Programs

Choose from flexible term options and competitive rates. Conventional loans are a reliable choice for well-qualified borrowers.


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Jumbo Loans for High-Value Homes

Finance luxury properties with larger loan amounts and tailored terms to fit your unique goals.


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Commercial & Construction Loans

Whether you’re building new or financing business property, we provide solutions for growth and expansion.


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Refinance & Alternative Loan Options

Lower your rate, access cash, or restructure your mortgage. Explore refinancing and other creative lending strategies.


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FHA 203(k) Loans: Buy It, Fix It, Love It

FHA 203(k) Loans: Buy It, Fix It, Love It

Sep 30, 2025

Turn a fixer-upper into your dream home. FHA 203(k) loans combine purchase + renovation costs into one affordable mortgage. Explore your options today.

Mortgage Options for Seniors Downsizing in Retirement

Mortgage Options for Seniors Downsizing in Retirement

Jul 22, 2025

Discover a range of mortgage options designed for seniors looking to downsize in retirement. Learn about reverse mortgages, fixed-rate loans, and other financing choices to help you transition smoothly.

How to Know If You’re Ready to Buy a Home: Key Considerations

How to Know If You’re Ready to Buy a Home: Key Considerations

Feb 25, 2025

Wondering if now is the right time to buy a home? Learn how to assess affordability, readiness, and lifestyle preferences before making a decision.

FAQ's

The pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer.

Usually, people refinance to save money either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts. The decision to refinance can be difficult, since there are several reasons to refinance. However, if you are looking to save money, try this calculation: Calculate the total cost of the refinance Calculate the monthly savingsDivide the total cost of the refinance (#1) by the monthly savings (#2). This is the "break even" time. If you own the house longer than this, you will save money by refinancing. Since refinancing is a complex topic, consult a mortgage professional.

A rate lock is a contractual agreement between the lender and buyer. There are four components to a rate lock: loan program, interest rate, points, and the length of the lock.

A mortgage broker counsels you on the loans available from different wholesalers, takes your application, and usually processes the loan which involves putting together the complete file of information about your transaction including the credit report, appraisal, verification of your employment and assets, and so on. When the file is complete, but sometimes sooner, the lender "underwrites" the loan, which means deciding whether or not you are an acceptable risk.

Not necessarily. In fact, if you are a reasonably astute shopper, you will probably do better dealing with a mortgage broker. Mortgage brokers do not add any net cost to the lending process, because they perform functions that would otherwise have to be done by employees of the lender. Furthermore, because mortgage brokers deal with multiple lenders -- in a typical case, 25 to 30, sometimes more -- they can shop for the best terms available on any given day. In addition, they can find the lenders who specialize in various market niches that many other lenders avoid, such as loans to applicants with poor credit ratings, loans to borrowers who do not intend to occupy the property, loans with minimal or no down payment, and so on.

Both income and assets are disclosed and verified, and income is used in determining the applicant's ability to repay the mortgage. Formal verification requires the borrower's employer to verify employment and the borrower's bank to verify deposits. Alternative documentation, designed to save time, accepts copies of the borrower's original bank statements, W-2s and paycheck stubs.

Stated income/verified assets: Income is disclosed and the source of the income is verified, but the amount is not verified. Assets are verified, and must meet an adequacy standard such as, for example, 6 months of stated income and 2 months of expected monthly housing expense. Stated income/stated assets: Both income and assets are disclosed but not verified. However, the source of the borrower's income is verified. No ratio: Income is disclosed and verified but not used in qualifying the borrower. The standard rule that the borrower's housing expense cannot exceed some specified percent of income, is ignored. Assets are disclosed and verified. No income: Income is not disclosed, but assets are disclosed and verified, and must meet an adequacy standard. Stated Assets or No asset verification: Assets are disclosed but not verified, income is disclosed, verified and used to qualify the applicant. No asset: Assets are not disclosed, but income is disclosed, verified and used to qualify the applicant. No income/no assets: Neither income nor assets are disclosed.

It is the list of settlement charges that the lender is obliged to provide the borrower within three business days of receiving the loan application.

A loan eligible for purchase by the two major Federal agencies that buy mortgages, Fannie Mae and Freddie Mac.

A mortgage larger than the maximum eligible for conforming purchase by the two Federal agencies, Fannie Mae and Freddie Mac.

It is an upfront cash payment required by the lender as part of the charge for the loan, expressed as a percent of the loan amount; e.g., "2 points" means a charge equal to 2% of the loan balance.

This is the process of determining whether a customer has enough cash and sufficient income to meet the qualification requirements set by the lender on a requested loan. A pre-qualification is subject to verification of the information provided by the applicant. A pre-qualification is short of approval because it does not take account of the credit history of the borrower.