LenDb.ai

Borrower situations · New Jersey

Loan officers for 1099 earners in New Jersey

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in New Jersey whose lender pages show 1099 income work. The top-ranked are John Nguyen (Guild Mortgage, Boca Raton), Gregory Rutolo (Loan Factory, Medford) and Matthew S. Devadan, MBA (Atlantic Coast Mortgage, Westerville). Ranking is lender-neutral: specialty evidence first, then a license in NJ, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 4

  1. 1

    John NguyenNMLS 389742

    Guild Mortgage · Boca Raton, FL · licensed in 21 states

    • 1099 income
    • Bank statement loan
    • DSCR loan
    • Non-QM loan
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Gregory RutoloNMLS 34860

    Loan Factory · Medford, NJ · licensed in 2 states

    • 1099 income
    • HELOC
    • Bank statement loan
    • DSCR loan
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • Branch in New Jersey
    • No disciplinary actions on file at LenDb
  3. 3

    Matthew S. Devadan, MBANMLS 21639

    Atlantic Coast Mortgage · Westerville, OH · licensed in 8 states

    • 1099 income
    • Real estate investor
    • Self-employed
    • Asset-based qualifying
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Vishal MoorjaniNMLS 2833632

    CrossCountry Mortgage · Montvale, NJ

    • 1099 income
    • Asset-based qualifying
    • Bank statement loan
    • DSCR loan
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Branch in New Jersey; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb

Before you choose

Agency rules treat 1099 earners like the self-employed, while some non-QM programs qualify directly from 1099 forms.

  • Can you qualify me from my 1099 forms alone?
  • How many years of 1099 history do you need?
  • How do business expenses affect my qualifying income?

More about 1099 income

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in NJ or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=1099-income&state=NJ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.