{
  "canonical_url": "https://lendb.ai/lo/moses-youssef-949405",
  "lede": {
    "text": "Moses Youssef (NMLS 949405) is a Vice President of Sales at Cliffco, Inc. in Uniondale, New York, licensed in New York. Moses's own profile lists first-time buyer as a focus, and Moses works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "specialties",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Moses licensed in New York?",
      "a": "Yes. New York regulator records list a license as active (verified 2026-10-14).",
      "fields": [
        "licenses"
      ],
      "source": "New York state regulator",
      "source_url": "https://www.dfs.ny.gov/",
      "verified_at": "2026-10-14"
    },
    {
      "q": "Does Moses list first-time buyer as a focus?",
      "a": "Moses's profile lists first-time buyer as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-21"
    },
    {
      "q": "What lender does Moses work for, and is it FHA-approved?",
      "a": "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).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How much experience does Moses have?",
      "a": "Moses states 15 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "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": 949405,
    "slug": "moses-youssef-949405",
    "canonical_url": "https://lendb.ai/lo/moses-youssef-949405",
    "md_url": "https://lendb.ai/lo/moses-youssef-949405.md",
    "json_url": "https://lendb.ai/lo/moses-youssef-949405.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/949405",
    "full_name": {
      "value": "Moses Youssef",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Moses",
    "last_name": "Youssef",
    "headshot_url": {
      "value": "https://cliffcomortgage.com/wp-content/uploads/2024/12/Moses_Y_Web-1024x1024.webp",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Moses Youssef is Vice President of Sales with over 15 years in mortgage lending. They have helped more than 1,000 families and are licensed in New York. Their focus is first-time homebuyers, whom they guide through the loan process.",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Vice President of Sales",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 15,
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 65328,
      "lender_name": "Cliffco, Inc.",
      "lender_slug": "cliffco-inc-65328",
      "branch_city": "Uniondale",
      "branch_state": "NY",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://cliffcomortgage.com/myoussef/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 65328,
        "lender_name": "Cliffco, Inc.",
        "lender_slug": "cliffco-inc-65328",
        "branch_city": "Uniondale",
        "branch_state": "NY",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://cliffcomortgage.com/myoussef/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/myoussef/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "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"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/myoussef/",
        "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": "15",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/myoussef/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "helped more than 1,000 families",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/myoussef/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "family legacy in the industry spanning more than 30 years",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/myoussef/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 17:18:23.083576+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/moses-youssef-949405#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/myoussef/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}