Cindy Cliff

Mortgage Loan Officer

NMLS: 2075376

970-308-2540

cindy@cliffmortgages.com

Blog

A Comprehensive Guide to Protect Yourself Against Mortgage Fraud

A Comprehensive Guide to Protect Yourself Against Mortgage Fraud

Starting your journey to homeownership is an exciting and big step. But buying a home isn't without its challenges, and one of the risks in today's real estate market is mortgage fraud. In recent years, fraudsters have become more clever, making it import

Nov 22, 2024 | Web Info

Understanding Sales Price vs. Appraised Value in Real Estate

Understanding Sales Price vs. Appraised Value in Real Estate

Whether you're buying or selling a home, you'll frequently hear the terms sales price and appraised value. These concepts are key to navigating the transaction process, and understanding them can make all the difference. Let’s break them down into s

Nov 19, 2024 | Purchasing a Home

Discover the Benefits of USDA Loans

Discover the Benefits of USDA Loans

When it comes to financing your home, choosing the right loan can make all the difference. For those looking to buy a home in rural or suburban areas, USDA loans offer a unique set of advantages that can make homeownership more affordable and accessible.

Sep 26, 2024 | Purchasing a Home USDA Loans

How the Fed's Rate Cut Could Impact Your Mortgage

How the Fed's Rate Cut Could Impact Your Mortgage

On Wednesday, September 18, 2024, the Federal Reserve took a significant step, lowering its target interest rate for the first time since the COVID-19 pandemic. The Fed's 50 basis point cut, from a 23-year high, sparked anticipation in financial markets.

Sep 20, 2024 | Refinancing a Home Interest Rates

Embracing the Golden Years: A Guide to Buying a Second Home as a Retiree

Embracing the Golden Years: A Guide to Buying a Second Home as a Retiree

Retirement signifies not merely the cessation of a professional trajectory but rather the inauguration of an entirely novel chapter—one that many retirees find synonymous with the pursuit of a second home. Whether it be an idyllic beachside retreat,

Sep 14, 2024 | Purchasing a Home Second Home

Understanding When to Lock Your Rate

Understanding When to Lock Your Rate

In the labyrinth of homeownership, one question frequently echoes: When is the opportune moment to lock in your mortgage rate? It's a financial crossroads that demands careful consideration and strategic planning. Today, we'll dissect the intricacies, pro

Sep 13, 2024 | Interest Rates

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