Loan programs · New Jersey
Down payment assistance loan officers in New Jersey
As of 2026-10-09, LenDb lists 62 loan officers licensed in or based in New Jersey whose lender pages show Down payment assistance work. The top-ranked are Michael A Berrodin (JPMorgan Chase Bank (Chase Home Lending), Marlton), Michelle Sanchez (CrossCountry Mortgage, Denville) and Billy McElroy (CrossCountry Mortgage, Sewell). 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 25
- 1
Michael A BerrodinNMLS 33471
JPMorgan Chase Bank (Chase Home Lending) · Bank · Marlton, NJ
- Down payment assistance
- FHA loan
- VA loan
- Jumbo loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Marlton, NJ
- Licensed since 2010 (per Florida records)
- 2
Michelle SanchezNMLS 1879790
CrossCountry Mortgage · Denville, NJ · licensed in 2 states
- Down payment assistance
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Denville, NJ
- States 5 years of experience (lender page, 2026-10-09)
- 3
Billy McElroyNMLS 48244
CrossCountry Mortgage · Sewell, NJ · licensed in 6 states
- Down payment assistance
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Sewell, NJ
- Licensed since 2021 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 4
Tom GatesNMLS 61691
CrossCountry Mortgage · Montvale, NJ · licensed in 5 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Montvale, NJ
- States 30 years of experience (lender page, 2026-10-09)
- 5
Nick MinkNMLS 112903
CrossCountry Mortgage · Haddon Township, NJ · licensed in 2 states
- Down payment assistance
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Haddon Township, NJ
- States 21 years of experience (lender page, 2026-10-09)
- 6
Steven LuzziNMLS 276620
CrossCountry Mortgage · Summit, NJ · licensed in 4 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Summit, NJ
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 7
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- Jumbo loan
- Physician and medical professional
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- States 17 years of experience (lender page, 2026-10-09)
- 8
Mark RamosNMLS 216938
CrossCountry Mortgage · Toms River, NJ · licensed in 6 states
- Down payment assistance
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Toms River, NJ
- Licensed since 2021 (per Florida records)
- States 18 years of experience (lender page, 2026-10-09)
- 9
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- States 23 years of experience (lender page, 2026-10-09)
- 10
Rob KaiserNMLS 146468
CrossCountry Mortgage · Sarasota, FL · licensed in 6 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 11
Sandy DavisNMLS 172843
CrossCountry Mortgage · Aventura, FL · licensed in 4 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 12
Coley RauNMLS 256481
CrossCountry Mortgage · Bryan, OH · licensed in 26 states
- Down payment assistance
- Jumbo loan
- Real estate investor
- USDA loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 13
Valerie MolnarNMLS 221814
JPMorgan Chase Bank (Chase Home Lending) · Bank · Princeton, NJ
- Down payment assistance
- VA loan
- FHA loan
- Self-employed
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Princeton, NJ
- 14
Mark DeGenovaNMLS 854422
JPMorgan Chase Bank (Chase Home Lending) · Bank · Cape May Court House, NJ
- Down payment assistance
- Vacation home
- VA loan
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Cape May Court House, NJ
- Licensed since 2022 (per Florida records)
- 15
Al RapoportNMLS 60865
CrossCountry Mortgage · Union, NJ · licensed in 8 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Real estate investor
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Union, NJ
- Licensed since 2015 (per Florida records)
- 16
Monica CentenoNMLS 1100009
Guild Mortgage · Henderson, NV · licensed in 33 states
- Down payment assistance
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- 17
Ronald AtamianNMLS 963318
CrossCountry Mortgage · Allentown, PA · licensed in 6 states
- Down payment assistance
- 1099 income
- Asset-based qualifying
- Bank statement loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 18
Isabel MejiasNMLS 870058
JPMorgan Chase Bank (Chase Home Lending) · Bank · Millburn, NJ
- Down payment assistance
- Co-op
- Condo
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Millburn, NJ
- 19
John R SarraccoNMLS 136429
JPMorgan Chase Bank (Chase Home Lending) · Bank · Wayne, NJ
- Down payment assistance
- Vacation home
- VA loan
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Wayne, NJ
- 20
Brett LehmanNMLS 142413
JPMorgan Chase Bank (Chase Home Lending) · Bank · Montclair, NJ
- Down payment assistance
- Co-op
- Condo
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Montclair, NJ
- 21
Alex MargulisNMLS 192878
CrossCountry Mortgage · Chicago, IL · licensed in 29 states
- Down payment assistance
- Jumbo loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Florida records)
- 22
Harry SliferNMLS 481404
JPMorgan Chase Bank (Chase Home Lending) · Bank · Princeton, NJ
- Down payment assistance
- Vacation home
- Self-employed
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Princeton, NJ
- 23
Mike HudakNMLS 598480
JPMorgan Chase Bank (Chase Home Lending) · Bank · Upper Montclair, NJ
- Down payment assistance
- Co-op
- Condo
- Vacation home
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Upper Montclair, NJ
- 24
Michael FattoreNMLS 601221
JPMorgan Chase Bank (Chase Home Lending) · Bank · Summit, NJ
- Down payment assistance
- Co-op
- Condo
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Summit, NJ
- 25
Charles P. BoyleNMLS 626696
JPMorgan Chase Bank (Chase Home Lending) · Bank · Tenafly, NJ
- Down payment assistance
- FHA loan
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Tenafly, NJ
Before you choose
Programs are local, change often, and need the lender to be approved with the housing agency that runs them.
- Which down payment assistance programs are you approved for here?
- Is the assistance a grant, a forgivable loan, or a repayable second?
- Are there income, purchase price or first-time buyer limits?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a NJ license is confirmed with the state regulator (check mark), NJ is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=down-payment-assistance&state=NJ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.