--- canonical_url: https://lendb.ai/lo/gary-johansen-339278 json_url: https://lendb.ai/lo/gary-johansen-339278.json nmls_id: 339278 last_verified: 2026-10-15 --- # Gary Johansen Regional Sales Director at Cliffco, Inc., Branchburg, NJ. NMLS ID 339278 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/339278)). Gary Johansen (NMLS 339278) is a Regional Sales Director at Cliffco, Inc. in Branchburg, New Jersey, licensed in Florida since 2025 and in Pennsylvania. Gary's own profile lists non-QM loan, construction loan and foreign national as a focus, and Gary works at an FHA-approved lender, per HUD. **Summary:** Gary Johansen (NMLS 339278) is Regional Sales Director at Cliffco, Inc., based in Branchburg, NJ. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Kentucky, North Carolina and New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Non-QM loan, Construction loan, Foreign national, ITIN borrower and Mixed-use property. Earliest state license record: July 29, 2025 (Florida), per state regulator. States 30 years of experience. Last verified 2026-10-15. ## Quick answers ### Is Gary licensed in New Jersey? Cliffco, Inc.'s page for Gary 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 Gary. Source: https://cliffcomortgage.com/gjohansen/. ### Does Gary do non-QM loans? Gary's profile lists non-QM loan as a focus (from their lender profile page). It also lists construction loan, foreign national and ITIN borrower. Source: https://cliffcomortgage.com/gjohansen/. ### What lender does Gary 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/gjohansen/. ### How long has Gary been licensed? The earliest state license record LenDb holds for Gary is from July 29, 2025 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Gary states 30 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): 30 (source: https://cliffcomortgage.com/gjohansen/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Gary B. Johansen (FL, PA, as of 2026-10-09) - Licensed in: Florida (FL, confirmed), Kentucky (KY, lender_reported), 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) - **Non-QM loan** (`non-qm`): from their lender profile page, confidence 0.85, verified 2026-10-21. Source: https://cliffcomortgage.com/gjohansen/ - **Construction loan** (`construction`): from their lender profile page, confidence 0.70, verified 2026-10-21. Source: https://cliffcomortgage.com/gjohansen/ - **Foreign national** (`foreign-national`): from their lender profile page, confidence 0.70, verified 2026-10-21. Source: https://cliffcomortgage.com/gjohansen/ - **ITIN borrower** (`itin`): from their lender profile page, confidence 0.70, verified 2026-10-21. Source: https://cliffcomortgage.com/gjohansen/ - **Mixed-use property** (`mixed-use`): from their lender profile page, confidence 0.70, verified 2026-10-21. Source: https://cliffcomortgage.com/gjohansen/ - **Real estate investor** (`investor`): from their lender profile page, confidence 0.70, verified 2026-10-21. Source: https://cliffcomortgage.com/gjohansen/ - **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.70, verified 2026-10-21. Source: https://cliffcomortgage.com/gjohansen/ - **Self-employed** (`self-employed`): from their lender profile page, confidence 0.70, verified 2026-10-21. Source: https://cliffcomortgage.com/gjohansen/ ## Facts from the lender page and intro - years_experience: 30. Source: https://cliffcomortgage.com/gjohansen/, verified 2026-10-15. - other: led teams to close more than $15 billion in mortgage transactions. Source: https://cliffcomortgage.com/gjohansen/, verified 2026-10-15. - service_area: New Jersey and Florida. Source: https://cliffcomortgage.com/gjohansen/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO140027 | active | confirmed | 2025-07-29 | state_regulator | 2026-10-15 | | KY | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | 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 | 118211 | active | confirmed | | state_regulator | 2026-10-16 | ## Employment history - ? to present: Cliffco, Inc. (NMLS 65328), Branchburg, NJ. Source: https://cliffcomortgage.com/gjohansen/, 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/339278 ## Contact - View profile at Cliffco, Inc.: https://cliffcomortgage.com/gjohansen/ - Office phone and Email on file: shown at https://lendb.ai/lo/gary-johansen-339278#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/339278 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://cliffcomortgage.com/gjohansen/ - state_regulator: https://data.pa.gov/d/tyxc-jyug - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Gary Johansen (NMLS 339278), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/gary-johansen-339278, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._