--- canonical_url: https://lendb.ai/lo/edward-morais-243926 json_url: https://lendb.ai/lo/edward-morais-243926.json nmls_id: 243926 last_verified: 2026-10-15 --- # Eddie Morais Branch Manager | Loan Officer at Cliffco, Inc., Branchburg, NJ. NMLS ID 243926 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/243926)). 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. **Summary:** Eddie Morais (NMLS 243926) is Branch Manager | Loan Officer at Cliffco, Inc., based in Branchburg, NJ. Licensed in 3 states confirmed with state regulators: Florida, New York and Pennsylvania. Also lists North Carolina and New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer and Real estate investor. Earliest state license record: July 29, 2025 (Florida), per state regulator. States 23 years of experience. Last verified 2026-10-15. ## 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: https://cliffcomortgage.com/emorais/. ### 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: https://cliffcomortgage.com/emorais/. ### 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: https://cliffcomortgage.com/emorais/. ### 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ## At a glance - Earliest state license record: July 29, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 23 (source: https://cliffcomortgage.com/emorais/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Edward D. Morais (FL, NY, PA, as of 2026-10-13) - Licensed in: Florida (FL, confirmed), New York (NY, confirmed), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Pennsylvania (PA, confirmed) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - 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 (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.50, verified 2026-10-21. Source: https://cliffcomortgage.com/emorais/ - **Real estate investor** (`investor`): from their lender profile page, confidence 0.50, verified 2026-10-21. Source: https://cliffcomortgage.com/emorais/ ## Facts from the lender page and intro - years_experience: 23. Source: https://cliffcomortgage.com/emorais/, verified 2026-10-15. - role: led sales teams at some of the nation's largest banks. Source: https://cliffcomortgage.com/emorais/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO140006 | active | confirmed | 2025-07-29 | state_regulator | 2026-10-15 | | NY | New York regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-14 | | NC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NJ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | PA | Pennsylvania regulator | state_license | 110289 | active | confirmed | | state_regulator | 2026-10-16 | ## Employment history - ? to present: Cliffco, Inc. (NMLS 65328), Branchburg, NJ. Source: https://cliffcomortgage.com/emorais/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/243926 ## Contact - View profile at Cliffco, Inc.: https://cliffcomortgage.com/emorais/ - Office phone and Email on file: shown at https://lendb.ai/lo/edward-morais-243926#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/243926 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.dfs.ny.gov/ - lender_site: https://cliffcomortgage.com/emorais/ - state_regulator: https://data.pa.gov/d/tyxc-jyug - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Eddie Morais (NMLS 243926), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/edward-morais-243926, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._