--- canonical_url: https://lendb.ai/lo/raymond-garcia-calvo-2559091 json_url: https://lendb.ai/lo/raymond-garcia-calvo-2559091.json nmls_id: 2559091 last_verified: 2026-10-15 --- # Raymond Garcia Loan Officer at Cliffco, Inc., Uniondale, NY. NMLS ID 2559091 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2559091)). 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. **Summary:** Raymond Garcia (NMLS 2559091) is Loan Officer at Cliffco, Inc., based in Uniondale, NY. Licensed in New York, confirmed with the state regulator. Also lists New Jersey and Pennsylvania on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor and Self-employed. Speaks English and Spanish. Last verified 2026-10-15. ## Quick answers ### Is Raymond licensed in New York? Yes. New York regulator records list a license as active (verified 2026-10-14). LenDb has 2 other states on file for Raymond. Source: https://www.dfs.ny.gov/. ### Does Raymond list real estate investor as a focus? Raymond's profile lists real estate investor as a focus (from their lender profile page). It also lists self-employed. Source: https://cliffcomortgage.com/rgarcia/. ### What lender does Raymond 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/rgarcia/. ### What languages does Raymond speak? English and Spanish, per their lender page (verified 2026-10-15). Source: https://cliffcomortgage.com/rgarcia/. ## 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. - Also licensed as (state regulator records, same NMLS ID): Raymond F. Garcia Calvo (NY, as of 2026-10-13) - Licensed in: New York (NY, confirmed), New Jersey (NJ, lender_reported), Pennsylvania (PA, lender_reported) - 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: English, Spanish (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) - **Real estate investor** (`investor`): from their lender profile page, confidence 0.90, verified 2026-10-21. Source: https://cliffcomortgage.com/rgarcia/ - **Self-employed** (`self-employed`): from their lender profile page, confidence 0.90, verified 2026-10-21. Source: https://cliffcomortgage.com/rgarcia/ ## Facts from the lender page and intro - service_area: Tri-State area. Source: https://cliffcomortgage.com/rgarcia/, verified 2026-10-15. - role: investment advisor. Source: https://cliffcomortgage.com/rgarcia/, verified 2026-10-15. - community: supporting underserved communities. Source: https://cliffcomortgage.com/rgarcia/, 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 | | NJ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | PA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Cliffco, Inc. (NMLS 65328), Uniondale, NY. Source: https://cliffcomortgage.com/rgarcia/, 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/2559091 ## Contact - View profile at Cliffco, Inc.: https://cliffcomortgage.com/rgarcia/ - Office phone and Email on file: shown at https://lendb.ai/lo/raymond-garcia-calvo-2559091#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2559091 - state_regulator: https://www.dfs.ny.gov/ - lender_site: https://cliffcomortgage.com/rgarcia/ - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Raymond Garcia (NMLS 2559091), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/raymond-garcia-calvo-2559091, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._