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Loan programs · New Jersey

DSCR loan officers in New Jersey

As of 2026-10-09, LenDb lists 18 loan officers licensed in or based in New Jersey whose lender pages show DSCR loan work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Walter Gorman (CrossCountry Mortgage, Rutherford) and John Nguyen (Guild Mortgage, Boca Raton). 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 18

  1. 1

    Eric RosemaryNMLS 301253

    CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states

    • DSCR loan
    • Asset-based qualifying
    • Bank statement loan
    • Foreign national
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Walter GormanNMLS 138370

    CrossCountry Mortgage · Rutherford, NJ · licensed in 6 states

    • DSCR loan
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • Branch in New Jersey
    • 0 years licensed
  3. 3

    John NguyenNMLS 389742

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

    • DSCR loan
    • 1099 income
    • Bank statement loan
    • Non-QM loan
    • Lists DSCR loan 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
  4. 4

    John OksenNMLS 1540251

    CrossCountry Mortgage · Tinton Falls, NJ

    • DSCR loan
    • FHA loan
    • First-time buyer
    • Lists DSCR loan 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
  5. 5

    Johanna AriasNMLS 908021

    CrossCountry Mortgage · Allentown, PA · licensed in 3 states

    • DSCR loan
    • Foreign national
    • ITIN borrower
    • Non-QM loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Tracey RadinovicNMLS 997560

    Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states

    • DSCR loan
    • Bank statement loan
    • FHA loan
    • HELOC
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Jaison KoshyNMLS 1415046

    Loan Factory · Mortgage broker · licensed in 2 states

    • DSCR loan
    • FHA loan
    • First-time buyer
    • New construction
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Steve FurdockNMLS 376017

    Lit Financial Corporation · licensed in 12 states

    • DSCR loan
    • Bank statement loan
    • Jumbo loan
    • Non-QM loan
    • Lists DSCR loan 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
  9. 9

    Vivek AgarwalNMLS 2564210

    Loan Factory · Mortgage broker · licensed in 13 states

    • DSCR loan
    • Down payment assistance
    • FHA loan
    • Lists DSCR loan 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
  10. 10

    Keith AllenNMLS 198190

    Loan Factory · Mortgage broker · licensed in 3 states

    • DSCR loan
    • Construction loan
    • Non-QM loan
    • Real estate investor
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Brendan J SlaterNMLS 1099810

    Loan Factory · Mortgage broker · licensed in 3 states

    • DSCR loan
    • Construction loan
    • FHA loan
    • First-time buyer
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Javier Kato, CMANMLS 2230547

    CrossCountry Mortgage · Brooklyn, NY · licensed in 2 states

    • DSCR loan
    • FHA loan
    • Self-employed
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  13. 13

    Gregory RutoloNMLS 34860

    Loan Factory · Mortgage broker · Medford, NJ · licensed in 2 states

    • DSCR loan
    • HELOC
    • 1099 income
    • Bank statement loan
    • Lists DSCR loan 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
  14. 14

    Kevin RollerNMLS 250375

    LeaderOne Financial · Overland Park, KS · licensed in 43 states

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

    Vishal MoorjaniNMLS 2833632

    CrossCountry Mortgage · Montvale, NJ

    • DSCR loan
    • 1099 income
    • Asset-based qualifying
    • Bank statement loan
    • Lists DSCR loan 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
  16. 16

    Anthony G RegaNMLS 399203

    Loan Factory · Mortgage broker · licensed in 5 states

    • DSCR loan
    • Asset-based qualifying
    • Bank statement loan
    • Construction loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Marty StrakaNMLS 589189

    Loan Factory · Mortgage broker · licensed in 2 states

    • DSCR loan
    • FHA loan
    • HELOC
    • Jumbo loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Josh DanNMLS 2436989

    Loan Factory · Mortgage broker · licensed in 4 states

    • DSCR loan
    • HELOC
    • Real estate investor
    • Self-employed
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NJ (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb

Before you choose

Minimum DSCR ratios, rent schedules and prepayment penalties differ widely across lenders.

  • What minimum DSCR do you require, and how do you calculate rent?
  • Can I close in an LLC?
  • What prepayment penalty options do you offer?

More about DSCR loan

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=dscr&state=NJ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.