{
  "canonical_url": "https://lendb.ai/lo/edward-morais-243926",
  "lede": {
    "text": "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.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Eddie licensed in New Jersey?",
      "a": "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.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://cliffcomortgage.com/emorais/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Eddie list first-time buyer as a focus?",
      "a": "Eddie's profile lists first-time buyer as a focus (from their lender profile page). It also lists real estate investor.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://cliffcomortgage.com/emorais/",
      "verified_at": "2026-10-21"
    },
    {
      "q": "What lender does Eddie work for, and is it FHA-approved?",
      "a": "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).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://cliffcomortgage.com/emorais/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Eddie been licensed?",
      "a": "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.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 243926,
    "slug": "edward-morais-243926",
    "canonical_url": "https://lendb.ai/lo/edward-morais-243926",
    "md_url": "https://lendb.ai/lo/edward-morais-243926.md",
    "json_url": "https://lendb.ai/lo/edward-morais-243926.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/243926",
    "full_name": {
      "value": "Eddie Morais",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/emorais/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Eddie",
    "last_name": "Morais",
    "licensed_names": [
      {
        "name": "Edward Morais",
        "name_with_middle_initial": "Edward D. Morais",
        "first_name": "Edward",
        "middle_initial": "D",
        "last_name": "Morais",
        "states": [
          "FL",
          "NY",
          "PA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-13"
      }
    ],
    "headshot_url": {
      "value": "https://cliffcomortgage.com/wp-content/uploads/2024/12/Ed_Morais.webp",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/emorais/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Branch Manager | Loan Officer",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/emorais/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/emorais/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 23,
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/emorais/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 65328,
      "lender_name": "Cliffco, Inc.",
      "lender_slug": "cliffco-inc-65328",
      "branch_city": "Branchburg",
      "branch_state": "NJ",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://cliffcomortgage.com/emorais/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/emorais/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 65328,
        "lender_name": "Cliffco, Inc.",
        "lender_slug": "cliffco-inc-65328",
        "branch_city": "Branchburg",
        "branch_state": "NJ",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://cliffcomortgage.com/emorais/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/emorais/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO140006",
        "status": "active",
        "issued_at": "2025-07-29",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dfs.ny.gov/",
        "verified_at": "2026-10-14",
        "confidence": "confirmed",
        "regulator": "ny"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/emorais/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "NJ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/emorais/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "110289",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "pa"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/emorais/",
        "verified_at": "2026-10-21"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/emorais/",
        "verified_at": "2026-10-21"
      }
    ],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "23",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/emorais/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "led sales teams at some of the nation's largest banks",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/emorais/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 17:20:44.912764+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/edward-morais-243926#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://cliffcomortgage.com/emorais/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2025-07-29",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2025,
      "state": "FL"
    },
    "federal_registration": null
  }
}