Welcome!
You would be hard-pressed to find a more dynamic team of mortgage professionals! Bonita Clifton and Reina Brabant have combined 38 years of mortgage experience, underwriting, packaging and closing quality loans.
Bonita started her career in 1992 as a loan processor at a Marin County mortgage brokerage. She has held a variety of positions throughout the years such as processor, loan servicer, doc drawer, assistant to a top producing loan originator, and for the last 22 years has been a high producing loan officer. She prides herself in her ability to find solutions to challenging scenarios, and on her vast knowledge of agency, non-agency, and government guidelines.
Reina started as a loan processor in 2012. During her time as a processor she developed an in-depth understanding of the loan process, loan packaging, and underwriting guidelines which serves as a critical component to her success as a loan officer. She prides herself on her impeccable communication and organizational skills. Her attention to detail, ability to anticipate customer needs, and great people skills assure you a smooth and seamless closing.
We work on every loan together, as a team, adding value to the services provided. We both stay apprised of each loan and scenario, so you can be certain that there is always someone available to answer your questions or attend to your needs.
We both have a great respect for the fact that this will be one of the largest financial transactions or decisions of your life. We are committed to doing the right thing by our clients.
Specializing in:
Reverse and VA lending from FHA and VA
Jumbo and conforming, Fixed & ARM products
Niche Investors and Brokered loans
Self Employed Borrowers and Portfolio Products
Private Money loans and Investments
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“I cannot recommend Bonita and Reina of All California Mortgage highly enough! They made the loan process surprisingly simple. They were great at communicating with us and solving issues that arose with the lender with our finances, etc. Bonita and Reina has got us through escrow incredibly fast. You are buying a home and need a mortgage, go with these dynamite ladies.”
“Working with Bonita and Reina on my home loan was effortless. They kept me informed every step of the way, and made it so easy for me to refinance my home at a lower rate and without cost to me at closing. I highly recommend them for anyone looking to have a fast and easy loan process!”
“Bonita Clifton is the best mortgage broker. She is very professional, hard-working, thoughtful and easy to work with. She guided me through refinancing my house and to buy a new house. She is amazing. Thank you very much Bonita. I highly recommend Bonita Clifton to anyone who needs a home loan.”
“Bonita and Reina are the best! We have worked with them within the last year buying two different residential properties. They are professional, knowledgeable, sharp and advocate for their clients best interest. I trust them. Reina explained every detail with the utmost patience and we walked away with a deeper understanding of every detail of our loan and closing costs. She is thorough and no stone is left unturned in looking for best financial option for her clients. You were never left hanging wondering when you would hear from her or what next steps were. She is dependable, and a great communicator. Bonita is a financial magician. She has a pulse on everything financial wave and can pull a bunny out of the hat. She is amazing. Tenacious, detail orientated, sharp, and a perfectionist. We had a complicated purchase and she brought us to the finish line. Reina and Bonita are the perfect team. You will not regret using them.”
“Reina and Bonita were great to work with! They navigated our difficult transaction with ease and were always available to answer our questions. We closed quickly and now we are so happy in our new home.”
Did you know we offer Reverse Mortgages? Click to find out more.
“Exceptional top notch service! Closed escrow in 14 days, one day before Christmas Eve! Thank you!!!”
“Having lived in Northern Indiana for over 30 years, my wife and I are finally moving to warmer California. Our last home purchasing experience was decades ago. Besides, CA seems a quite different place in the eyes of long time Indiana residents. Luckily, we met Reina Brabant, All California Mortgage. She guides us in every step of the complex home loan processes. Reina is warm and easy to connect personally. She responses our questions timely and always with an answer. She helps us to understand the loan and home purchasing processes in Marin County and “holds our hands” in every step of the entire process. She has won my total trust. Now we are happy owners of a Marin County home!
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“Bonita and Reina are tops!! From the moment I connected with them, they were on it! Thorough, knowledgeable, informative and professional! I couldn’t be more pleased and will always recommend them!!”
“We are very grateful for the hardwork, knowledge and professionalism Bonita and Reina displayed during the loan process to purchase our new home. Bonita was confident, caring and calming. Communication was thorough and we closed on our loan successfully. We highly recommend Bonita Clifton and her team!”
“Always accurate, and on schedule. Very professional. Bonita, and Reina exceeded my expectations. I would use All California Mortgage for my next transaction.”
“The expertise and commitment to excellence in assisting clients that Bonita (and Reina) of Clifton Home Loans always demonstrate is why we once again have done a home refinance with them. They go above and beyond to make sure every step in the process is comprehensible and completed timely and accurately. We know with them we will have help and guidance all along the way.”
“Bonita did a fantastic job helping me navigate refinancing after my divorce. I am so grateful for her help and look forward to working with her again. She went above and beyond.”
“Working with Bonita and Reina has been one of the best experiences. I cannot say enough about their expertise, professionalism, and they are just kind good genuine people who want to help you succeed. I am very grateful for coming to know and work with them and would recommend them to anybody. Fantastic and incredible experience.”
“Bonita and Reina met and surpassed all my expectations. A strong communicator, a creative problem solver and wonderful mother/daughter team. They went way beyond the call of duty to close my loan on time. I highly recommend them.”
““We can’t say enough good things about Bonita and Reina of All California Mortgage. They are consummate professionals who worked closely with us throughout the entire experience, calming our nerves and keeping us well informed of every step in the loan process. We recommend them without hesitation.””
“Bonita and Reina helped me purchase my first home using my VA home loan benefit. Bonita and Reina have knowledge that helped me navigate the stressful process of buying a home, but they did all the work for me! I was able to purchase my home in 21 days!!! What can I say they’re a great team! I will definitely be referring them to my fellow veterans that are looking to buy a new home!”
“Excellent, knowledge, skills and service! Clifton Home Loans was available to support us thorough the purchase process. They advocated for us and supported us along the way to success. We highly recommend their services and authentic business style. We appreciate and respect their business knowledge. Thank you!!!”
“We just had our two new loans funded yesterday. Bonita and Reina went to work and after “no’s from a couple of banks they were able to get two financial institutions and Unison to take the application and send it to underwriting and management review. All three had exceptions that had to be overcome. Somehow they got all the exceptions approved and we got our loans. Being 75 years old, accomplishing this is just short of a miracle for us .We have several good friends who will be looking for mortgage help soon (all much more straight forward than ours) and we will make sure they contact Bonita before anyone else. Bonita and Reina clearly understood what a big deal this was to us and throughout the whole process were extremely supportive, kind and determined. They are obviously exceptionally personable, knowledgeable, professional, hard-working and results oriented. We are really glad they were working for us.”
“Both Bonita and Reina are top notch duo. I will recommend them to family and friends. They are professional, dedicated, loyal and right on the front lines while your busy with other matters. I can’t say enough thank yous. Continue to be the great team that you both are.”