---
canonical_url: https://lendb.ai/lo/jeanne-morgenstern-588978
json_url: https://lendb.ai/lo/jeanne-morgenstern-588978.json
nmls_id: 588978
last_verified: 2026-10-15
---

# Jeanne Morgenstern

VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, Westfield, NJ. NMLS ID 588978 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/588978)).

**Summary:** Jeanne Morgenstern (NMLS 588978) is VP of Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Westfield, NJ. Lists New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Jumbo loan, Non-QM loan, Real estate investor and Self-employed. States 25 years of experience. Last verified 2026-10-15.

## 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): 25 (source: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978, verified 2026-10-15)
- Licensed in: New Jersey (NJ, 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978
- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978
- **Non-QM loan** (`non-qm`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978
- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.70, verified 2026-10-15. Source: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978

## About

Jeanne Morgenstern has over 25 years in mortgage lending and serves Monmouth, Middlesex and Ocean counties in New Jersey. They help first-time buyers, investors and self-employed borrowers.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978, verified 2026-10-15.
- service_area: Monmouth, Middlesex, and Ocean counties. Source: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978, verified 2026-10-15.
- other: over 1,700 clients helped across New Jersey. Source: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978, verified 2026-10-15.
- community: hosting events for seniors. Source: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978, verified 2026-10-15.
- community: supporting community events for underprivileged children. Source: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Guaranteed Rate Affinity, LLC (NMLS 1598647), Westfield, NJ. Source: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978, 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/588978

## Contact

- View profile at Guaranteed Rate Affinity, LLC: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978
- Office phone and Email on file: shown at https://lendb.ai/lo/jeanne-morgenstern-588978#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/588978
- lender_site: https://www.grarate.com/loan-officers/jeanne-morgenstern-588978
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Jeanne Morgenstern (NMLS 588978), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/jeanne-morgenstern-588978, last verified 2026-10-15.

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