---
canonical_url: https://lendb.ai/lo/cliff-rains-173470
json_url: https://lendb.ai/lo/cliff-rains-173470.json
nmls_id: 173470
last_verified: 2026-10-11
---

# Cliff Rains

Senior Loan Officer at CMG Home Loans, Hendersonville, TN. NMLS ID 173470 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/173470)).

**Summary:** Cliff Rains (NMLS 173470) is Senior Loan Officer at CMG Home Loans, based in Hendersonville, TN. Focus areas shown on the lender page: Down payment assistance and First-time buyer. Last verified 2026-10-11.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.60, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/cliff-rains
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.60, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/cliff-rains

## About

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: LenDb summary of the lender page, verified 2026-10-11.

## Facts from the lender page and intro

- years_experience: since 1993. Source: https://www.cmghomeloans.com/mysite/cliff-rains, verified 2026-10-11.
- education: B.S. from Florida State University. Source: https://www.cmghomeloans.com/mysite/cliff-rains, verified 2026-10-11.
- credential: Series 7 license. Source: https://www.cmghomeloans.com/mysite/cliff-rains, verified 2026-10-11.
- credential: Mortgage broker's license. Source: https://www.cmghomeloans.com/mysite/cliff-rains, verified 2026-10-11.
- credential: State certification to teach driver's safety school. Source: https://www.cmghomeloans.com/mysite/cliff-rains, verified 2026-10-11.
- community: Coached T-ball, basketball, and soccer for ten years. Source: https://www.cmghomeloans.com/mysite/cliff-rains, verified 2026-10-11.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: CMG Home Loans (NMLS 1820), Hendersonville, TN. Source: https://www.cmghomeloans.com/mysite/cliff-rains, verified 2026-10-11.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/173470

## Contact

- View profile at CMG Home Loans: https://www.cmghomeloans.com/mysite/cliff-rains
- Office phone and Email on file: shown at https://lendb.ai/lo/cliff-rains-173470#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/173470
- lender_site: https://www.cmghomeloans.com/mysite/cliff-rains

Cite as: Cliff Rains (NMLS 173470), CMG Home Loans. LenDb.ai, https://lendb.ai/lo/cliff-rains-173470, last verified 2026-10-11.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._