{
  "canonical_url": "https://lendb.ai/lo/cliff-rains-173470",
  "loan_officer": {
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    "slug": "cliff-rains-173470",
    "canonical_url": "https://lendb.ai/lo/cliff-rains-173470",
    "md_url": "https://lendb.ai/lo/cliff-rains-173470.md",
    "json_url": "https://lendb.ai/lo/cliff-rains-173470.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/173470",
    "full_name": {
      "value": "Cliff Rains",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
      "verified_at": "2026-10-11"
    },
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    "last_name": "Rains",
    "headshot_url": {
      "value": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_6690_Robert_Rains_1672334160",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
      "verified_at": "2026-10-11"
    },
    "bio": {
      "value": "Cliff Rains has been originating mortgages since 1993, with a focus on government loans, grants, and bond-issue programs that help first-time homebuyers.",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
      "verified_at": "2026-10-11"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
      "verified_at": "2026-10-11"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
      "verified_at": "2026-10-11"
    },
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    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
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      "lender_name": "CMG Home Loans",
      "lender_slug": "cmg-home-loans-1820",
      "branch_city": "Hendersonville",
      "branch_state": "TN",
      "branch_zip": "37075",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
      "verified_at": "2026-10-11"
    },
    "employment_history": [
      {
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        "lender_name": "CMG Home Loans",
        "lender_slug": "cmg-home-loans-1820",
        "branch_city": "Hendersonville",
        "branch_state": "TN",
        "branch_zip": "37075",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
        "verified_at": "2026-10-11"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
        "verified_at": "2026-10-11"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
        "verified_at": "2026-10-11"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1993",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "education",
        "value": "B.S. from Florida State University",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "credential",
        "value": "Series 7 license",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "credential",
        "value": "Mortgage broker's license",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "credential",
        "value": "State certification to teach driver's safety school",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "community",
        "value": "Coached T-ball, basketball, and soccer for ten years",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
        "verified_at": "2026-10-11"
      }
    ],
    "last_verified_at": "2026-10-11",
    "updated_at": "2026-10-11 19:13:19.091792+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/cliff-rains-173470#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/cliff-rains",
      "verified_at": "2026-10-11"
    },
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    "licensed_since": null,
    "federal_registration": null
  }
}