Clifford Slater
Senior Loan Officer

Welcome! With over 20 years of experience in mortgage business, I have developed a sterling reputation as "Handle With Care," loan officer. I love what I do. And I know buying a home is a big deal. It should not be left up to the internet. As a loan officer, my focus is 100% on helping you be confident and comfortable with your finances. Confident buyers win deals! They who hesitate are lost! If you are refinancing for any reason, I will help you make sure your decision is the best short and long term financial one for you and your family. Add in our amazing rates, low closing costs and expert team, and you come out the winner. Don't be a number in a system or a cog in a machine. Come learn with me, a seasoned professional, and experience the difference.

A little more about me…

When I am not writing loans I try to do interesting things with my three amazing teenage boys. They and family keep me pretty busy. My boys got me into being a volunteer coaching soccer 11 years ago and now I am the (volunteer) President of Newton Youth Soccer, one of the largest non-profit city soccer clubs in Massachusetts. Beyond that I am an avid runner with a marathon under my belt. I love to play tennis, ultimate frisbee and ski too—really playing or watching just about any sport works for me. When I'm not engaged in any of the above, you are invited to come find me on top of Mount Kilimanjaro, sailing the Nile, backpacking in Southeast Asia, diving in the Caribbean, traipsing through Europe or otherwise hiking/enjoying the great outdoors. I believe strongly in work life balance while helping people as much as possible. Come aboard. Let me help you and your family get where you want to be!

Helpful tools and resources
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The Best Mortgage Experience
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First-time homebuyer’s guide
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Mortgage calculators
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Loan options

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.

Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.