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Clifford Confer, (NMLS ID 770999)

Clifford Confer

Sr Loan Advisor

NMLS ID: 770999

Whether purchasing or refinancing a home, I’ll work hard to provide exceptional service to you.

Apply Now Contact me

5720 Sashabaw Road

Clarkston, MI 48346

About Clifford Confer

I have been in the mortgage industry for 25 years and specialize in renovation loans. My Flagstar Branch is located in Clarkston, Michigan. I brought the FHA 203(k) program to Flagstar Bank in 2000 and have had wonderful success with the program. In addition to the FHA 203(k), I also specialize in the Fannie Mae Homestyle loan product and have closed hundreds of these type loans.

 

I am also experienced in conventional, FHA, VA and jumbo loan products. By working for a Federal Savings Bank, I am licensed and have closed loans in all 50 states. Whatever type loan you may need, please contact me so I can secure the best possible loan for your individual situation.

 

I graduated with a Bachelor of Science from Michigan State University and I was a four-year letter winner in Varsity football. As a player at MSU, I won two Big 10 Championships and was a 12th-round draft choice of the San Francisco 49ers in 1991.

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Pre-Qualifications
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Education

  • Bachelor of Science Degree, Michigan State University, 1991

Languages Spoken

  • English
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Clifford Confer, (NMLS ID 770999)

Clifford Confer

Sr Loan Advisor

NMLS ID: 770999

Whether purchasing or refinancing a home, I’ll work hard to provide exceptional service to you.

Apply Now Contact me

5720 Sashabaw Road

Clarkston, MI 48346

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Today's Rate

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1Rate as of 4/16/2021 4:47 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,015. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 4/16/2021 4:47 PM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,579. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  4/16/2021 4:47 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $947. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

Clifford Confer, (NMLS ID 770999)

Clifford Confer

Sr Loan Advisor

NMLS ID: 770999