Biography

Loan Officer | NMLS #4388

Whether you are purchasing your first home, investment property or refinancing, the journey is exciting also complex. You can leverage my 23 years of hands-on experience and extensive knowledge to guide you through the lending process and educate you on every aspect of the process.

As a dedicated Mortgage Loan Originator, I pride myself on providing personalized assistance to my clients, ensuring that everyone receives the best possible financial solutions tailored to their unique needs and circumstances.


We offer access to a wide range of loan programs, including:

  • Purchase
  • Rate and Term Refinance
  • Cash-out Refinance
  • Conventional
  • High-balance and Adjustable-Rate Mortgages (ARMs)
  • Jumbo
  • Portfolio & Investor Products including Non-QM
  • FHA, VA, and USDA loans


I am equipped to cater to diverse financial backgrounds, income brackets, and credit rankings and will stay deeply involved in every step of the process. See my client testimonials and reach out to me at any time: 516-859-7747 or email paul@cliffcomortgage.com or Apply Now when you’re ready to make your homeownership goals become a reality.

Licensed In:

Paul J Montesano

Loan Officer

NMLS | #4388

Contact Information