Your Trusted Partner forHome Financing
Conscientious guidance for your home lending needs. Whether buying, refinancing, or exploring options, Bill Clifford brings over 20 years of expertise to help you achieve your goals.
What Our Clients Say
Jasmine Delijani
GoogleWorking with Bill as my mortgage lender was an awesome experience for me and my family. He's super honest, dependable and always quick to respond whenever I had questions. Bill really goes above and beyond to help you find your dream home. His guidance and support made the whole process so much smoother and way less stressful. If you need a mortgage lender, I highly recommend Bill. Thanks a ton for all your hard work and dedication!
Allison Carey
GoogleI had the pleasure of working with Bill Clifford on the purchase of my new home and he was very patient and knowledgeable. I had a lot of questions. Bill made every step easy, less stressful and honestly, provided me with the best rate when comparing to others. Highly recommend working with him. I felt very lucky to have Bill helping me.
G Benitez
GoogleBill recently helped us get qualified for a loan for our home purchase in Los Angeles. Bill was patient throughout the process, incredibly responsive, and demonstrated expert knowledge and skill in presenting us with various options for us to make an informed decision on the mortgage that best fit our needs. Bill made the process so easy that we will be using him for all future home loans and recommending him to our friends and family.
Sasha Bolivar
GoogleBill Clifford was great to work with and I would strongly recommend him to anyone. Last year I was fortunate enough to purchase my first home, and as a first home buyer I went into the process knowing very little. Bill helped me along my entire journey and even after. He walked through the entire process and explained everything in detail to me so I had the confidence in knowing exactly what was going on and what I was signing myself up for. He would also frequently send emails on updates on the current market and do everything in his power to get me the best rate. Even after we closed, he still updates us on the market environment and if I ever have any questions he answers promptly. If you are looking for a mortgage consultant definitely get Bill Clifford. Thanks for everything!!!
Diana Zakis
GoogleBill Clifford has been an exceptional loan officer and we are so grateful for his hard work. Through the complex process of getting us the best mortgage solution, he was kind, responsive, personable, responsible, professional and extremely knowledgeable. We highly recommend Bill and Mindful Mortgage Solutions!
Robby Gomez
GoogleIf you are looking for a seamless process for your buying/selling needs, Bill is your go-to guy. I have nothing but great things to say about Bill and Mindful Mortgage Solutions. He is always very responsive and solution oriented. I will be inquiring their services for all of my deals.
Get Your Personalized Rate
Tell us about your home financing needs and receive a customized quote within minutes.
Rate quotes are estimates based on the information provided and are subject to change. Actual rates depend on credit approval and market conditions.
About Bill Clifford
My mortgage career began here in Los Angeles in 2004 after working as a Realtor for 2 years in my hometown of Seattle. I quickly learned how rewarding it is to help someone through the process of buying a home, or to help someone lower their mortgage payments with a refinance.
Over the years the industry has had its ups and downs, but the reward of helping people has remained constant. I've worked with so many amazing individuals and families over the years, and it's a true honor to be counted on as their trusted mortgage advisor.
At Mindful Mortgage Solutions, we find joy and purpose in the success and well-being of others. Our charge is to listen intently to your goals, then utilize our expertise and resources to help you accomplish them.
20+ Years Experience
Two decades of mortgage industry expertise helping families achieve their homeownership dreams.
Broad Product Access
From conventional to reverse mortgages, construction loans to hard money—we have solutions for every situation.
Client-Focused Service
Mindful, patient guidance that puts your needs first and keeps you informed every step of the way.
Dedicated Support
Long-standing lender relationships with dedicated underwriting teams to ensure smooth closings.
Loan Programs
With access to a wide range of loan products and programs, Bill can help you find the perfect financing solution for your unique situation.
Key Benefits
- ✓Down payments as low as 3%
- ✓No mortgage insurance with 20% down
- ✓Fixed and adjustable rate options
Ideal For
Borrowers with good credit and stable income seeking competitive rates.
Ready to Make Your Move?
Whether you're buying a new home or refinancing your current mortgage, Bill has the expertise to guide you through the process.
Purchase a Home
Find the perfect loan for your new home with personalized guidance from start to close.
Why Work With Me?
- ✓Expert guidance through the entire process
- ✓Access to multiple loan programs
- ✓Competitive rates and terms
- ✓Dedicated support from application to closing
Refinance Your Mortgage
Lower your rate, access equity, or change your loan terms with a seamless refinance process.
Should You Refinance?
- ✓Lower your monthly payment
- ✓Access your home's equity
- ✓Consolidate debt
- ✓Switch from ARM to fixed rate
Mortgage Calculators
Use our calculators to estimate your monthly payments and determine how much home you can afford.
Calculate Your Payment
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Additional Monthly Costs
Not required when down payment is 20% or more
Payment Breakdown
PMI is automatically included in monthly payment when down payment is less than 20%. This is an estimate only. Actual rates and terms may vary.
Disclaimer: This calculator is for informational purposes only and does not constitute financial advice. PMI (Private Mortgage Insurance) is automatically included in calculations when the down payment is less than 20%. The estimates provided are based on the information you enter and may not reflect actual rates, terms, or costs. Consult with a licensed mortgage professional before making any financial decisions.
Let's Connect
Ready to start your home financing journey? Reach out to Bill today for personalized guidance.
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Office Hours
Contact Information
Canyon Lake, CA 92587