Steve Clifton

  • (831) 724-7009
  • (831) 332-5115
  • (831) 724-2674
  • 120 Aviation Way Suite 6
  • Watsonville, California 95076

Welcome to my website.

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate advice on your home mortgage needs. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone or email for personalized service and expert advice.

Experience: 23 years of mortgage consulting
Education: San Diego State University
  Skiing, biking, surfing


Great experience, overall quick responses and information was clearly shared.

Jesus M.

Always a pleasure to work with Steve and Mountain West Financial.

Mervin M.

Amazing work from Steve. Could not have done this without his efforts. Thank you.

Patricia M.

Great experience!

Daren P.

Great job.

Garrett F.

Thanks for everything!

Andrew D.

Mountain West Financial and Steve made this process simple and stress free.

Alfonso D.

Steve did a great job! Thank you!

Brian C.

Great service, my loan officer was very professional . I highly recommend him.

Roberto C.

Great experience. I will return to Steve until he says I no longer can. Thanks for your time.

William W.

Thank you Steve Clifton.

Oswaldo R.

Steve is very knowledgeable and works his best to get you the loan or refinance loan that works best for you. He answered my questions and calls and his responses were helpful.

Efrain E.

Never had a doubt that my experience with Steve would be top notch- it was just as it always has been.

Michael H.

Great job!

Garrett F.

Great company to work with!

Salvador R.

Working with MWF was easy! Thank you!

Raul M.

We are very satisfied with the services that were provided by Mountain West Financial.

Juan G.

Working with Steve Clifton and his team is always a great experience. Everything is easy!! Gracias Steve.

Carmen H.

I enjoyed working with Steve from Mountain West Financial. He responded quickly to my questions and kept me updated throughout the loan process.

Consuelo M.

Steve is awesome! Professional, fast, friendly, and honest service!

Juan T.

Thank you Steve Clifton!

David G.

It was a pleasure working with Steve and his team. Very professional and willing to answer all questions when asked. Highly recommend Steve and his team.

Phillip C.

The help we received from Steve was above and beyond our expectations. When I had a question or doubt about the process of the loan, Steve would take time to call me regardless of time or day to explain my concern or question. Steve's friendly attitude made our loan transaction very easy and comfortable. I recommend Steve with anyone who is in the need of a loan transaction.

Camilo C.

Very professional, highly recommend to others.

Ricardo A.

Very friendly and professional. Steve helped us in a very timely manner, explained everything and provided help when needed.

Waleed A.

Steve Clifton from Seabright Mortgage was invested in making sure our refinance went the best that it could go. He really had us in mind throughout this 3 month process. We appreciate Steve with walking us through this process!

Sean S.

Steve Clifton was amazing. I plan to work with him again on my next home purchase in 6 months!

Sylvia R.

Good Good Job!

Paul B.

Would highly recommend Mountain West Financial, Inc. for those seeking to finance or refinance a home. Steve Clifton and the entire team demonstrated excellent knowledge of the various products available in order to give a well informed and advantageous transaction. The communication was excellent as well. We are confident that we got the best service and interest rate available. Thank you for the great service!

Michael D.

Great agent!

Dorsami R.

Steve was easy to work with and helped me throughout the process. Very professional.

Olivia M.

It was a pleasure to work with Steve. He is very professional, knowledgeable, and easy to work with. He made it easy for us. He also working with my relatives on their refinance and they are extremely happy with his professionalism. He explained everything thoroughly and always called me back promptly, even after hours. I am very happy with Mountain West Financial. I have been recommending Steve to my friends, co-workers, and family! Thank you!

O. Madrigal

Steve and his associate were very through and professional. Always returned my calls and responded to my emails promptly.

Amy M.

Thank you Steve & staff again!

Esteban R.

Thank you Steve for another great job!

Wilbert R.

We had no time frame, but we are very happy how the process was handled in a speedy manner. Steve our loan officer was prompt In making sure our needs were met with any questions or concerns we had. Very satisfied customers!

Eduardo A.

Good job!

Manuel G.

Good Good Job!

Paul B.

From day one, Steve has been easy to work with. He exceeded our expectations with communication and service. It was coming along nicely and due to a major family emergency, Steve was able to expedite this for us. He was extremely empathetic and easy to work with. We are very thankful to have worked with him.

Manuel C.

It was a very easy experience and all my questions were answered.

Frank C.

Steve Clifton is the best mortgage consultant! He is very helpful and very knowledgeable great customer service.

Arthur M.

Steve has always done a great job for me… He will always be my first choice.

Jane M.

Easy hassle free precise.

Javier A.

Steve Clifton is super cool. He is very personable and explains things very well.

Shannon H.

Good Good Job!

Paul B.

Steve Clifton is awesome! :)

Aaron T.

Steve was a great individual to work with he made the process extremely pleasant and smooth.

Monica G.

Steve is an amazing loan officer! Very Happy to have met him.

Ryan W.

Excellent service. Fast & Friendly.

Debbie R.

The process was very fast and easy. Everyone that worked with us was knowledgeable and efficient in their job. Thank you.

Salvador R.

Mr. Steve Clifton is very professional, courteous, and patient lender. He answered all of my questions and was very quick/detailed in his reponses. This was a very smooth process. I highly recommend him to anyone interested in financing or refinancing.

Darlene S.

Friendly and informative.

Pricilia V.

My experience was very pleasant, Steve answered all my questions and was very helpful.

Jose A.

Steve is an awesome loan officer. I would highly recommend him to anyone.

Pedro L.

Steve did an amazing job!

Ryan W.

My experience with Mountain West Financial was a great one. They kept me updated and on track with all the paper work and what was going on.

Ruth V.

Great job, thank you!

James E.

He was amazing! Would always recommend Steve!

Dee V.

Did a good job. I will recommend to a friend.

Gonzalo H.

Awesome service, great job, friendly, efficient overall.

Chavez Family

Thank you to Steve Clifton, we are very thankful for his dedication and professional work.

Maria L. & Eduardo C.


Juan P.

Steve Clifton was very helpful.

David S.

He is amazing. Makes every purchase easy and convenient. Best Lender I've met!

Cristina A.

Thank you Mountain West Financial for financing my second home, it's always a pleasure working with you.

Maria C.

Steve Clifton was wonderful to work with!

Baylis Family

El servicio que nos Probieron Fue muy Buena experiencia. El Personal Fue Respectuoso y Todas nuestras Preguntas Fueron Respondidas. Todo Fue explicado y Me Parece que si Recomiendo esta compania a Familiares o amigos.

Adan S. & Maricela H.


Madrigal Family

It was a good experience.

Mireles Family

Service was great.

Mendoza Family

Working with Steve Clifton was a joy. He is very knowledgeable, and was able to describe the process very concisely in an easy to understand manner. He was always prompt and kept us informed of every step of the entire process. We would heartily recommend working with Steve. Thank you!

Aaron T. & Tiffany W.

It's been a great experience working with Steve Clifton, he did an excellent job on our loan, we would recommend him.

Rosales Family


Sean M. & Alice H.

Repeat customer, very satisfied.

Miriam S.

Steve has been an excellent mortgage lender. He has helped us every step of the way and did everything he could to help us. We were extremely satisfied with Steve and Company.

Mark & Kassandra C.

Steve, thank you for all of your help!

Melgoza & Lopez Family

Lender explained everything to me and answered all my questions.

Gustavo H.

Steve made the loan part of our buying experience easy.

Efrain E. & Maritsa F.

Feel satisfied on a job well done.

Neri O.

Steve Clifton is awesome and outstanding! Go Steve, Go!

Antonio A.

Although there were a few stumbles along the process, Steve was great about getting back to me to let us know how much longer or if anything else was needed on our part.

Victor & Patricia
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