--- canonical_url: https://lendb.ai/s/condo/new-jersey last_verified: 2026-10-09 --- # Condo loan officers in New Jersey As of 2026-10-09, LenDb lists 42 loan officers licensed in or based in New Jersey whose lender pages show Condo work. The top-ranked are Susan Lake (CrossCountry Mortgage, Denville), Jeffrey Zulauf (CrossCountry Mortgage, Suwanee) and Maggie Mikaitis (CrossCountry Mortgage, Chicago). Ranking is lender-neutral: specialty evidence first, then a license in NJ, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Susan Lake](https://lendb.ai/lo/susan-lake-61474)** (NMLS 61474), CrossCountry Mortgage, Denville, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Denville, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 2. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA - Lists Condo on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 3. **[Maggie Mikaitis](https://lendb.ai/lo/maggie-mikaitis-1395394)** (NMLS 1395394), CrossCountry Mortgage, Chicago, IL - Lists Condo on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 13 years of experience (lender page, 2026-10-09) 4. **[Nicole Perrone](https://lendb.ai/lo/nicole-perrone-235881)** (NMLS 235881), CrossCountry Mortgage, Union, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Union, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 5. **[Christopher Albanese](https://lendb.ai/lo/christopher-albanese-63768)** (NMLS 63768), CrossCountry Mortgage, Durango, CO - Lists Condo on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 6. **[Nicholas Scalici](https://lendb.ai/lo/nicholas-scalici-1722436)** (NMLS 1722436), CrossCountry Mortgage, Staten Island, NY - Lists Condo on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 7. **[David Fay](https://lendb.ai/lo/david-fay-513224)** (NMLS 513224), CrossCountry Mortgage, Lexington, MA - Lists Condo on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 8. **[Matthew Ward](https://lendb.ai/lo/matthew-ward-236356)** (NMLS 236356), JPMorgan Chase Bank (Chase Home Lending), Brick, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Brick, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 9. **[Nicole Habib](https://lendb.ai/lo/nicole-habib-659153)** (NMLS 659153), CrossCountry Mortgage, Montvale, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Montvale, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 11 years of experience (lender page, 2026-10-09) 10. **[Robert Caravella](https://lendb.ai/lo/robert-caravella-483409)** (NMLS 483409), JPMorgan Chase Bank (Chase Home Lending), Jersey City, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Jersey City, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 11. **[Paulo Rodriguez](https://lendb.ai/lo/paulo-rodriguez-314784)** (NMLS 314784), CrossCountry Mortgage, Miami, FL - Lists Condo on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 12. **[Justin Bonura](https://lendb.ai/lo/justin-bonura-73184)** (NMLS 73184), CrossCountry Mortgage, Denville, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Denville, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 13. **[Zak Raffel](https://lendb.ai/lo/zak-raffel-1470292)** (NMLS 1470292), CrossCountry Mortgage, Montvale, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Montvale, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 14. **[Joe Fava](https://lendb.ai/lo/guido-fava-67235)** (NMLS 67235), CrossCountry Mortgage, New Windsor, NY - Lists Condo on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 15. **[Scott Nadler](https://lendb.ai/lo/scott-nadler-385124)** (NMLS 385124), CrossCountry Mortgage, Brooklyn, NY - Lists Condo on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 16. **[Melora Love](https://lendb.ai/lo/tressa-love-408782)** (NMLS 408782), CrossCountry Mortgage, Union, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Union, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 17. **[Guna Shanm](https://lendb.ai/lo/gunachandran-shanmugam-1001991)** (NMLS 1001991), JPMorgan Chase Bank (Chase Home Lending), Voorhees, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Voorhees, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2021 (per Florida records) 18. **[Shaun Koren](https://lendb.ai/lo/shaun-koren-1281988)** (NMLS 1281988), JPMorgan Chase Bank (Chase Home Lending), Morristown, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Morristown, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2021 (per Florida records) 19. **[Elizabeth Tapia](https://lendb.ai/lo/elizabeth-tapia-840045)** (NMLS 840045), JPMorgan Chase Bank (Chase Home Lending), Jersey City, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Jersey City, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Kristian Raccuglia](https://lendb.ai/lo/kristian-raccuglia-1559429)** (NMLS 1559429), CrossCountry Mortgage, Union, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Union, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[James Barrowman](https://lendb.ai/lo/james-barrowman-1949972)** (NMLS 1949972), CrossCountry Mortgage, Middletown, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Middletown, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Stuart Kolinsky](https://lendb.ai/lo/stuart-kolinsky-47703)** (NMLS 47703), CrossCountry Mortgage, Purchase, NY - Lists Condo on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 23. **[David Rodriguez](https://lendb.ai/lo/david-rodriguez-539922)** (NMLS 539922), CrossCountry Mortgage, Brooklyn, NY - Lists Condo on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 24. **[Michael Bomparola](https://lendb.ai/lo/michael-bomparola-685473)** (NMLS 685473), CrossCountry Mortgage, Brooklyn, NY - Lists Condo on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 25. **[Mauricio Rojas](https://lendb.ai/lo/mauricio-rojas-39350)** (NMLS 39350), JPMorgan Chase Bank (Chase Home Lending), Jersey City, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Jersey City, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS ## Questions to ask - Is this project already approved or warrantable with your investors? - What documents do you need from the HOA, and who orders the condo questionnaire? - How do you handle a project with pending litigation or low reserves? Cite as: LenDb.ai, https://lendb.ai/s/condo/new-jersey. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._