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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!

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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, Inc. and are subject to change without notice. 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).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

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.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. 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.