Geralyn Carlovich

Cliffco Mortgage Bankers has been helping all kinds of borrowers attain and retain homes nationwide for 34 years. Offering purchases and refinances; conventional, FHA, reverse, and construction loans, we can fulfill any customer’s need. We use talented employees and a wide range of mortgage products to ensure that each person who deserves a loan gets one. Working with everyone, from people with bad credit and low income, to people with great credit and high income, we treat all our clients the same; with respect, courtesy, and a commitment to their financial well being. Customers are attracted to our family values, our roots in our local communities, and our record of success. We treat every borrower as an individual, unlike the big banks and walk them through every step of the mortgage loan process. We carry loan products that most other banks don’t have, so we can serve a wider variety of people, and we are always looking for new ways to serve our clients We are a privately owned and operated company, headquartered in Uniondale, New York. Services Cliffco provides the best possible service for our customers. From the beginning of the loan process to the end, our customer is our number one priority and we assist them in any way we can. We offer free credit checks and pre-approvals for everyone, whether they ultimately decide to work to us or not. Once the borrower chooses to work with us, they are truly working with Cliffco, never a third-party. We have an in-house staff of processors and underwriters who work the file from the initial disclosures to the closing table. Loan Products Along with Conventional, FHA, and VA loans we offer construction loans, reverse mortgages, and non-QM loans such as; asset depletion, self-employed bank statement programs, no debt service coverage investor cash-out refinances, and true no-income mortgages.