{ "canonical_url": "https://lendb.ai/s/down-payment-assistance/new-jersey", "summary": "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.", "specialty": "down-payment-assistance", "state": "NJ", "total": 62, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 56.5, "loan_officer": { "nmls_id": 33471, "slug": "michael-berrodin-33471", "full_name": "Michael A Berrodin", "canonical_url": "https://lendb.ai/lo/michael-berrodin-33471", "json_url": "https://lendb.ai/lo/michael-berrodin-33471.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Marlton", "state": "NJ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/marlton/771-route-70-w-hla-33471", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Marlton, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2010 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/michael-berrodin-33471", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 55.5, "loan_officer": { "nmls_id": 1879790, "slug": "michelle-sanchez-1879790", "full_name": "Michelle Sanchez", "canonical_url": "https://lendb.ai/lo/michelle-sanchez-1879790", "json_url": "https://lendb.ai/lo/michelle-sanchez-1879790.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Denville", "state": "NJ" }, "licensed_states": [ "NJ", "NY" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 5, "lender_profile_url": "https://crosscountrymortgage.com/denville-nj-5050/michelle-sanchez/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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)", "States 5 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michelle-sanchez-1879790", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/denville-nj-5050/michelle-sanchez/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 54.8, "loan_officer": { "nmls_id": 48244, "slug": "william-mcelroy-48244", "full_name": "Billy McElroy", "canonical_url": "https://lendb.ai/lo/william-mcelroy-48244", "json_url": "https://lendb.ai/lo/william-mcelroy-48244.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Sewell", "state": "NJ" }, "licensed_states": [ "FL", "CA", "DE", "NJ", "PA", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/sewell-nj-3423/william-mcelroy/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Sewell, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/william-mcelroy-48244", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/sewell-nj-3423/william-mcelroy/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 54.8, "loan_officer": { "nmls_id": 61691, "slug": "tom-gates-61691", "full_name": "Tom Gates", "canonical_url": "https://lendb.ai/lo/tom-gates-61691", "json_url": "https://lendb.ai/lo/tom-gates-61691.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Montvale", "state": "NJ" }, "licensed_states": [ "CT", "NJ", "NY", "OR", "PA" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/tom-gates-61691", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 54.8, "loan_officer": { "nmls_id": 112903, "slug": "nick-mink-112903", "full_name": "Nick Mink", "canonical_url": "https://lendb.ai/lo/nick-mink-112903", "json_url": "https://lendb.ai/lo/nick-mink-112903.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Haddon Township", "state": "NJ" }, "licensed_states": [ "NJ", "PA" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 21, "lender_profile_url": "https://crosscountrymortgage.com/haddon-township-nj-3477/nicholas-mink/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Haddon Township, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/nick-mink-112903", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/haddon-township-nj-3477/nicholas-mink/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 54.8, "loan_officer": { "nmls_id": 276620, "slug": "steven-luzzi-276620", "full_name": "Steven Luzzi", "canonical_url": "https://lendb.ai/lo/steven-luzzi-276620", "json_url": "https://lendb.ai/lo/steven-luzzi-276620.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Summit", "state": "NJ" }, "licensed_states": [ "FL", "NJ", "NY", "PA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/summit-nj-3479/steven-luzzi/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Summit, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/steven-luzzi-276620", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/summit-nj-3479/steven-luzzi/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 53.8, "loan_officer": { "nmls_id": 216938, "slug": "mark-ramos-216938", "full_name": "Mark Ramos", "canonical_url": "https://lendb.ai/lo/mark-ramos-216938", "json_url": "https://lendb.ai/lo/mark-ramos-216938.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Toms River", "state": "NJ" }, "licensed_states": [ "FL", "AL", "GA", "MO", "NJ", "PA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Toms River, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mark-ramos-216938", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 51.8, "loan_officer": { "nmls_id": 146468, "slug": "robert-kaiser-146468", "full_name": "Rob Kaiser", "canonical_url": "https://lendb.ai/lo/robert-kaiser-146468", "json_url": "https://lendb.ai/lo/robert-kaiser-146468.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Sarasota", "state": "FL" }, "licensed_states": [ "FL", "GA", "NJ", "NY", "PA", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/sarasota-fl-4194/robert-kaiser/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 2025 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/robert-kaiser-146468", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/sarasota-fl-4194/robert-kaiser/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 51.8, "loan_officer": { "nmls_id": 172843, "slug": "alessandra-davis-172843", "full_name": "Sandy Davis", "canonical_url": "https://lendb.ai/lo/alessandra-davis-172843", "json_url": "https://lendb.ai/lo/alessandra-davis-172843.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Aventura", "state": "FL" }, "licensed_states": [ "FL", "NJ", "NY", "PA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 13, "licensed_since": { "year": 2013, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/aventura-fl-3830/alessandra-davis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 2013 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/alessandra-davis-172843", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/aventura-fl-3830/alessandra-davis/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 51.8, "loan_officer": { "nmls_id": 256481, "slug": "coley-rau-256481", "full_name": "Coley Rau", "canonical_url": "https://lendb.ai/lo/coley-rau-256481", "json_url": "https://lendb.ai/lo/coley-rau-256481.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bryan", "state": "OH" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "GA", "IA", "IL", "IN", "KS", "KY", "LA", "MI", "MO", "MS", "MT", "NC", "ND", "NE", "NJ", "OH", "SC", "SD", "TN", "TX", "WI" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 21, "lender_profile_url": "https://crosscountrymortgage.com/bryan-oh-2035/coley-rau/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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)", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/coley-rau-256481", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/bryan-oh-2035/coley-rau/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 50.8, "loan_officer": { "nmls_id": 221814, "slug": "valerie-molnar-221814", "full_name": "Valerie Molnar", "canonical_url": "https://lendb.ai/lo/valerie-molnar-221814", "json_url": "https://lendb.ai/lo/valerie-molnar-221814.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Princeton", "state": "NJ" }, "licensed_states": [ "NJ" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/princeton/1217-route-206-hla-221814", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Princeton, NJ", "NJ listed on their lender page (not yet checked with the state regulator; 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Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/brett-lehman-142413", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). 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Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/harry-slifer-481404", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 22, "score": 48.5, "loan_officer": { "nmls_id": 598480, "slug": "mike-hudak-598480", "full_name": "Mike Hudak", "canonical_url": "https://lendb.ai/lo/mike-hudak-598480", "json_url": "https://lendb.ai/lo/mike-hudak-598480.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Upper Montclair", "state": "NJ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/upper-montclair/600-valley-rd-hla-598480", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Upper Montclair, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/mike-hudak-598480", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 23, "score": 48.5, "loan_officer": { "nmls_id": 601221, "slug": "michael-fattore-601221", "full_name": "Michael Fattore", "canonical_url": "https://lendb.ai/lo/michael-fattore-601221", "json_url": "https://lendb.ai/lo/michael-fattore-601221.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Summit", "state": "NJ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/summit/67-69-summit-ave-hla-601221", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Summit, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/michael-fattore-601221", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 48.5, "loan_officer": { "nmls_id": 626696, "slug": "charles-p-boyle-626696", "full_name": "Charles P. 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Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/charles-p-boyle-626696", "license_check": { "state": "NJ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 48.5, "loan_officer": { "nmls_id": 1336711, "slug": "scott-dabroski-1336711", "full_name": "Scott Dabroski", "canonical_url": "https://lendb.ai/lo/scott-dabroski-1336711", "json_url": "https://lendb.ai/lo/scott-dabroski-1336711.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Denville", "state": "NJ" }, "licensed_states": [ "NJ", "NY", "PA" ], "licenses": [ { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/denville-nj-3480/scott-dabroski/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance 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 2017 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/scott-dabroski-1336711", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/denville-nj-3480/scott-dabroski/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] } ] }