Eddie Morais
Branch Manager | Loan Officer at Cliffco, Inc. · Branchburg, NJ
NMLS ID 243926 (opens in a new tab) · verify at NMLS Consumer Access
Eddie Morais (NMLS 243926) is a mortgage loan officer at Cliffco, Inc. in Branchburg, New Jersey, licensed in Florida since 2025 and in New York and Pennsylvania. Eddie's own profile lists first-time buyer and real estate investor as a focus, and Eddie works at an FHA-approved lender, per HUD.
Last verified . Sources: Cliffco, Inc. (cliffcomortgage.com), Florida state regulator, New York state regulator, Pennsylvania state regulator and NMLS Consumer Access (license status, check live). Licensed as Edward Morais (Florida, New York and Pennsylvania regulators).
- Earliest state license record: July 29, 2025 (Florida), per state regulator
- 23 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 5 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Eddie licensed in New Jersey?
- Cliffco, Inc.'s page for Eddie lists New Jersey. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 4 other states on file for Eddie.
- Source: lender page (opens in a new tab)
- Does Eddie list first-time buyer as a focus?
- Eddie's profile lists first-time buyer as a focus (from their lender profile page). It also lists real estate investor.
- Source: lender page (opens in a new tab)
- What lender does Eddie work for, and is it FHA-approved?
- Cliffco, Inc., company NMLS 65328, from the Branchburg, NJ office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).
- Source: lender site; HUD (opens in a new tab)
- How long has Eddie been licensed?
- The earliest state license record LenDb holds for Eddie is from July 29, 2025 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Eddie states 23 years of experience.
- Source: Florida state regulator (opens in a new tab)
Specialties
Focus
- Focus: First-time buyer(from their lender profile page)
- Focus: Real estate investor(from their lender profile page)
Where we saw these: cliffcomortgage.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, New York, North Carolina, New Jersey, Pennsylvania
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO140006, first effective 2025-07-29), NY (opens in a new tab), PA (opens in a new tab) (110289), verified 2026-10-15.
Lender-reported: NC, NJ are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Cliffco, Inc. NMLS 65328
Current · Branchburg, NJ · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
- Role
- led sales teams at some of the nation's largest banks
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | lender site · cliffcomortgage.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · data.pa.gov (opens in a new tab) | verified 2026-10-16 |
| Licensed states | lender site · cliffcomortgage.com (opens in a new tab) | verified 2026-10-15 |
| Specialties | lender site · cliffcomortgage.com (opens in a new tab) | verified 2026-10-21 |
| Contact | lender site · cliffcomortgage.com (opens in a new tab) | verified 2026-10-15 |
| Photo | lender site · cliffcomortgage.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Eddie Morais (NMLS 243926), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/edward-morais-243926, last verified 2026-10-15.
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