--- canonical_url: https://lendb.ai/s/down-payment-assistance/new-jersey last_verified: 2026-10-09 --- # Down payment assistance loan officers in New Jersey As of 2026-10-09, LenDb lists 63 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. ## Ranked, with reasons 1. **[Michael A Berrodin](https://lendb.ai/lo/michael-berrodin-33471)** (NMLS 33471), JPMorgan Chase Bank (Chase Home Lending), Marlton, NJ - 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 - Earliest state license record: December 20, 2010 (Florida), per state regulator 2. **[Michelle Sanchez](https://lendb.ai/lo/michelle-sanchez-1879790)** (NMLS 1879790), CrossCountry Mortgage, Denville, NJ - 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) 3. **[Billy McElroy](https://lendb.ai/lo/william-mcelroy-48244)** (NMLS 48244), CrossCountry Mortgage, Sewell, NJ - 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) - Earliest state license record: June 3, 2021 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 4. **[Tom Gates](https://lendb.ai/lo/tom-gates-61691)** (NMLS 61691), CrossCountry Mortgage, Montvale, NJ - 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) 5. **[Nick Mink](https://lendb.ai/lo/nick-mink-112903)** (NMLS 112903), CrossCountry Mortgage, Haddon Township, NJ - 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) 6. **[Steven Luzzi](https://lendb.ai/lo/steven-luzzi-276620)** (NMLS 276620), CrossCountry Mortgage, Summit, NJ - 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) - Earliest state license record: February 8, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 7. **[Mark Ramos](https://lendb.ai/lo/mark-ramos-216938)** (NMLS 216938), CrossCountry Mortgage, Toms River, NJ - 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) - Earliest state license record: July 27, 2021 (Florida), per state regulator - States 18 years of experience (lender page, 2026-10-09) 8. **[Rob Kaiser](https://lendb.ai/lo/robert-kaiser-146468)** (NMLS 146468), CrossCountry Mortgage, Sarasota, FL - 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) - Earliest state license record: August 21, 2025 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-09) 9. **[Sandy Davis](https://lendb.ai/lo/alessandra-davis-172843)** (NMLS 172843), CrossCountry Mortgage, Aventura, FL - 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) - Earliest state license record: May 15, 2013 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 10. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH - 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) - Earliest state license record: March 10, 2017 (Florida), per state regulator - States 21 years of experience (lender page, 2026-10-09) 11. **[Valerie Molnar](https://lendb.ai/lo/valerie-molnar-221814)** (NMLS 221814), JPMorgan Chase Bank (Chase Home Lending), Princeton, NJ - 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; verify at NMLS) 12. **[Mark DeGenova](https://lendb.ai/lo/mark-degenova-854422)** (NMLS 854422), JPMorgan Chase Bank (Chase Home Lending), Cape May Court House, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Cape May Court House, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Earliest state license record: June 23, 2022 (Florida), per state regulator 13. **[Al Rapoport](https://lendb.ai/lo/albert-rapoport-60865)** (NMLS 60865), CrossCountry Mortgage, Union, NJ - Lists Down payment assistance 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) - Earliest state license record: September 28, 2015 (Florida), per state regulator 14. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - 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) 15. **[Monica Centeno](https://lendb.ai/lo/monica-centeno-1100009)** (NMLS 1100009), Guild Mortgage, Henderson, NV - 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) - Earliest state license record: July 19, 2018 (Florida), per state regulator 16. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA - 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) - Earliest state license record: January 27, 2021 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 17. **[Isabel Mejias](https://lendb.ai/lo/isabel-mejias-870058)** (NMLS 870058), JPMorgan Chase Bank (Chase Home Lending), Millburn, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Millburn, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 18. **[John R Sarracco](https://lendb.ai/lo/john-r-sarracco-136429)** (NMLS 136429), JPMorgan Chase Bank (Chase Home Lending), Wayne, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Wayne, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 19. **[Brett Lehman](https://lendb.ai/lo/brett-lehman-142413)** (NMLS 142413), JPMorgan Chase Bank (Chase Home Lending), Montclair, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Montclair, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 20. **[Alex Margulis](https://lendb.ai/lo/alexander-margulis-192878)** (NMLS 192878), CrossCountry Mortgage, Chicago, IL - 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) - Earliest state license record: July 26, 2013 (Florida), per state regulator 21. **[Harry Slifer](https://lendb.ai/lo/harry-slifer-481404)** (NMLS 481404), JPMorgan Chase Bank (Chase Home Lending), Princeton, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Princeton, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 22. **[Mike Hudak](https://lendb.ai/lo/mike-hudak-598480)** (NMLS 598480), JPMorgan Chase Bank (Chase Home Lending), Upper Montclair, NJ - 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 23. **[Michael Fattore](https://lendb.ai/lo/michael-fattore-601221)** (NMLS 601221), JPMorgan Chase Bank (Chase Home Lending), Summit, NJ - 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 24. **[Charles P. Boyle](https://lendb.ai/lo/charles-p-boyle-626696)** (NMLS 626696), JPMorgan Chase Bank (Chase Home Lending), Tenafly, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Tenafly, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 25. **[Scott Dabroski](https://lendb.ai/lo/scott-dabroski-1336711)** (NMLS 1336711), CrossCountry Mortgage, Denville, NJ - 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) - Earliest state license record: October 19, 2017 (Florida), per state regulator ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/down-payment-assistance/new-jersey. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._