{
  "canonical_url": "https://lendb.ai/lo/raymond-garcia-calvo-2559091",
  "lede": {
    "text": "Based in Uniondale, New York, Raymond Garcia (NMLS 2559091) is a Loan Officer at Cliffco, Inc., licensed in New York. Raymond's focus, from their own profile, includes real estate investor and self-employed, and Raymond speaks English and Spanish and works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "specialties",
      "languages",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Raymond licensed in New York?",
      "a": "Yes. New York regulator records list a license as active (verified 2026-10-14). LenDb has 2 other states on file for Raymond.",
      "fields": [
        "licenses"
      ],
      "source": "New York state regulator",
      "source_url": "https://www.dfs.ny.gov/",
      "verified_at": "2026-10-14"
    },
    {
      "q": "Does Raymond list real estate investor as a focus?",
      "a": "Raymond's profile lists real estate investor as a focus (from their lender profile page). It also lists self-employed.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://cliffcomortgage.com/rgarcia/",
      "verified_at": "2026-10-21"
    },
    {
      "q": "What lender does Raymond 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/rgarcia/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What languages does Raymond speak?",
      "a": "English and Spanish, per their lender page (verified 2026-10-15).",
      "fields": [
        "languages"
      ],
      "source": "lender page",
      "source_url": "https://cliffcomortgage.com/rgarcia/",
      "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": 2559091,
    "slug": "raymond-garcia-calvo-2559091",
    "canonical_url": "https://lendb.ai/lo/raymond-garcia-calvo-2559091",
    "md_url": "https://lendb.ai/lo/raymond-garcia-calvo-2559091.md",
    "json_url": "https://lendb.ai/lo/raymond-garcia-calvo-2559091.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2559091",
    "full_name": {
      "value": "Raymond Garcia",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/rgarcia/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Raymond",
    "last_name": "Garcia",
    "licensed_names": [
      {
        "name": "Raymond Garcia Calvo",
        "name_with_middle_initial": "Raymond F. Garcia Calvo",
        "first_name": "Raymond",
        "middle_initial": "F",
        "last_name": "Garcia Calvo",
        "states": [
          "NY"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-13"
      }
    ],
    "headshot_url": {
      "value": "https://cliffcomortgage.com/wp-content/uploads/2025/03/Raymond-1080x1080-1.jpg",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/rgarcia/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/rgarcia/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/rgarcia/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "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/rgarcia/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/rgarcia/",
      "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/rgarcia/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/rgarcia/",
        "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"
      },
      {
        "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/rgarcia/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/rgarcia/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/rgarcia/",
        "verified_at": "2026-10-21"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/rgarcia/",
        "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": "service_area",
        "value": "Tri-State area",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/rgarcia/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "investment advisor",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/rgarcia/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "supporting underserved communities",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/rgarcia/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 17:15:23.985501+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/raymond-garcia-calvo-2559091#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/rgarcia/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}