---
canonical_url: https://lendb.ai/lo/richard-alvarez-1838273
json_url: https://lendb.ai/lo/richard-alvarez-1838273.json
nmls_id: 1838273
last_verified: 2026-10-15
---

# Richard Alvarez

Loan Officer at Cliffco, Inc., Uniondale, NY. NMLS ID 1838273 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1838273)).

Richard Alvarez, NMLS 1838273, works as a Loan Officer at Cliffco, Inc. in Uniondale, New York. Richard works at an FHA-approved lender, per HUD.

**Summary:** Richard Alvarez (NMLS 1838273) is Loan Officer at Cliffco, Inc., based in Uniondale, NY. States 5 years of experience. Last verified 2026-10-15.

## Quick answers

### What lender does Richard 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/ralvarez/.

### How much experience does Richard have?

Richard states 5 years of experience. Source: https://cliffcomortgage.com/ralvarez/.

## 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): 5 (source: https://cliffcomortgage.com/ralvarez/, verified 2026-10-15)
- Also licensed as (state regulator records, same NMLS ID): Richard J. Alvarez (NY, as of 2026-10-13)
- Licensed in: no license list on file; check NMLS Consumer Access
- 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)

- None on file yet.

## Facts from the lender page and intro

- years_experience: 5. Source: https://cliffcomortgage.com/ralvarez/, verified 2026-10-15.
- other: Worked as a real estate agent in Manhattan starting at age 19. Source: https://cliffcomortgage.com/ralvarez/, verified 2026-10-15.

## Licenses

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

## Employment history

- ? to present: Cliffco, Inc. (NMLS 65328), Uniondale, NY. Source: https://cliffcomortgage.com/ralvarez/, 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/1838273

## Contact

- View profile at Cliffco, Inc.: https://cliffcomortgage.com/ralvarez/
- Office phone and Email on file: shown at https://lendb.ai/lo/richard-alvarez-1838273#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1838273
- state_regulator: https://www.dfs.ny.gov/
- lender_site: https://cliffcomortgage.com/ralvarez/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Richard Alvarez (NMLS 1838273), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/richard-alvarez-1838273, last verified 2026-10-15.

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