--- canonical_url: https://lendb.ai/s/dscr/new-jersey last_verified: 2026-10-09 --- # DSCR loan officers in New Jersey As of 2026-10-09, LenDb lists 15 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), Keith Allen (Loan Factory) and Tracey Radinovic (Fairway Independent Mortgage Corporation, Overland Park). 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. **[Eric Rosemary](https://lendb.ai/lo/eric-rosemary-301253)** (NMLS 301253), CrossCountry Mortgage, Boca Raton, FL - Lists DSCR loan 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 2012 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Keith Allen](https://lendb.ai/lo/keith-allen-198190)** (NMLS 198190), Loan Factory - Lists DSCR loan 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 33 years of experience (lender page, 2026-10-09) 3. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists DSCR loan 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 14 years of experience (lender page, 2026-10-09) 4. **[Johanna Arias](https://lendb.ai/lo/johanna-arias-908021)** (NMLS 908021), CrossCountry Mortgage, Allentown, PA - Lists DSCR loan 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 2023 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 5. **[Walter Gorman](https://lendb.ai/lo/walter-gorman-138370)** (NMLS 138370), CrossCountry Mortgage, Rutherford, NJ - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in Rutherford, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 6. **[Jaison Koshy](https://lendb.ai/lo/jaison-koshy-1415046)** (NMLS 1415046), Loan Factory - Lists DSCR loan 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) - States 15 years of experience (lender page, 2026-10-09) 7. **[John Oksen](https://lendb.ai/lo/john-oksen-1540251)** (NMLS 1540251), CrossCountry Mortgage, Tinton Falls, NJ - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in Tinton Falls, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 8. **[Steve Furdock](https://lendb.ai/lo/steve-furdock-376017)** (NMLS 376017), Lit Financial Corporation - Lists DSCR loan 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 2011 (per Florida records) 9. **[Brendan J Slater](https://lendb.ai/lo/brendan-slater-1099810)** (NMLS 1099810), Loan Factory - Lists DSCR loan 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) 10. **[Marty Straka](https://lendb.ai/lo/martin-straka-589189)** (NMLS 589189), Loan Factory - Lists DSCR loan 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 2022 (per Florida records) - States 35 years of experience (lender page, 2026-10-09) 11. **[Vivek Agarwal](https://lendb.ai/lo/vivek-agarwal-2564210)** (NMLS 2564210), Loan Factory - Lists DSCR loan 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 2024 (per Florida records) 12. **[Javier Kato, CMA](https://lendb.ai/lo/javier-kato-cma-2230547)** (NMLS 2230547), CrossCountry Mortgage, Brooklyn, NY - Lists DSCR loan 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) 13. **[Josh Dan](https://lendb.ai/lo/joshua-dan-2436989)** (NMLS 2436989), Loan Factory - Lists DSCR loan 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 2023 (per Florida records) 14. **[Kevin Roller](https://lendb.ai/lo/kevin-roller-250375)** (NMLS 250375), LeaderOne Financial, Overland Park, KS - Lists DSCR loan 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) 15. **[Gregory Rutolo](https://lendb.ai/lo/gregory-rutolo-34860)** (NMLS 34860), Loan Factory, Medford, NJ - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in Medford, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/dscr/new-jersey. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._