---
canonical_url: https://lendb.ai/lo/james-perrone-56096
json_url: https://lendb.ai/lo/james-perrone-56096.json
nmls_id: 56096
last_verified: 2026-10-15
---

# James Perrone

Loan Officer at Cliffco, Inc., Uniondale, NY. NMLS ID 56096 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/56096)).

James Perrone (NMLS 56096) is a Loan Officer at Cliffco, Inc. in Uniondale, New York, licensed in New York. James's own profile lists self-employed, FHA loan and reverse mortgage as a focus, and James works at an FHA-approved lender, per HUD.

**Summary:** James Perrone (NMLS 56096) is Loan Officer at Cliffco, Inc., based in Uniondale, NY. Licensed in New York, confirmed with the state regulator. Focus areas shown on the lender page: Self-employed, FHA loan, Reverse mortgage and Low credit score. States 30 years of experience. Last verified 2026-10-15.

## Quick answers

### Is James licensed in New York?

Yes. New York regulator records list a license as active (verified 2026-10-14). Source: https://www.dfs.ny.gov/.

### Does James list self-employed as a focus?

James's profile lists self-employed as a focus (from their lender profile page). It also lists FHA loan, reverse mortgage and low credit score. Source: https://cliffcomortgage.com/jperrone/.

### What lender does James work for, and is it FHA-approved?

Cliffco, Inc., company NMLS 65328, from the Uniondale, NY 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/jperrone/.

### How much experience does James have?

James states 30 years of experience. Source: https://cliffcomortgage.com/jperrone/.

## 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.
- Years experience (stated by the LO): 30 (source: https://cliffcomortgage.com/jperrone/, verified 2026-10-15)
- Also licensed as (state regulator records, same NMLS ID): James P. Perrone (NY, as of 2026-10-13)
- Licensed in: New York (NY, 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)

- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.90, verified 2026-10-21. Source: https://cliffcomortgage.com/jperrone/
- **FHA loan** (`fha`): from their lender profile page, confidence 0.75, verified 2026-10-21. Source: https://cliffcomortgage.com/jperrone/
- **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.75, verified 2026-10-21. Source: https://cliffcomortgage.com/jperrone/
- **Low credit score** (`low-credit`): from their lender profile page, confidence 0.60, verified 2026-10-21. Source: https://cliffcomortgage.com/jperrone/

## Facts from the lender page and intro

- years_experience: 30. Source: https://cliffcomortgage.com/jperrone/, verified 2026-10-15.
- service_area: Westchester, New York City, and Long Island. Source: https://cliffcomortgage.com/jperrone/, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| NY | New York regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-14 |

## Employment history

- ? to present: Cliffco, Inc. (NMLS 65328), Uniondale, NY. Source: https://cliffcomortgage.com/jperrone/, 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/56096

## Contact

- View profile at Cliffco, Inc.: https://cliffcomortgage.com/jperrone/
- Office phone and Email on file: shown at https://lendb.ai/lo/james-perrone-56096#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/56096
- state_regulator: https://www.dfs.ny.gov/
- lender_site: https://cliffcomortgage.com/jperrone/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: James Perrone (NMLS 56096), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/james-perrone-56096, last verified 2026-10-15.

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