Borrower situations · New Jersey
Loan officers for first-time buyers in New Jersey
As of 2026-10-09, LenDb lists 323 loan officers licensed in or based in New Jersey whose lender pages show First-time buyer work. The top-ranked are Kevin Berju (CrossCountry Mortgage, Moorestown), Ron Gosewisch (NFM Lending, Haddonfield) and Denis Nevin (Embrace Home Loans, Basking Ridge). 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
Kevin BerjuNMLS 137213
CrossCountry Mortgage · Moorestown, NJ · licensed in 4 states
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Moorestown, NJ
- Licensed since 2018 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 2
Ron GosewischNMLS 210533
NFM Lending · Haddonfield, NJ · licensed in 3 states
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Haddonfield, NJ
- States 23 years of experience (lender page, 2026-10-09)
- 3
Denis NevinNMLS 341978
Embrace Home Loans · Basking Ridge, NJ · licensed in 2 states
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Basking Ridge, NJ
- States 20 years of experience (lender page, 2026-10-09)
- 4
Robin D CohenNMLS 1525523
CrossCountry Mortgage · Denville, NJ
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Denville, NJ
- Licensed since 2021 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 5
Nelson JaramilloNMLS 138363
Loan Factory · Mortgage broker · New Jersey
- First-time buyer
- Construction loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in New Jersey
- States 20 years of experience (lender page, 2026-10-09)
- 6
Denise PanzaNMLS 16446
Total Mortgage Services · Naples, FL · licensed in 20 states
- First-time buyer
- Real estate investor
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 7
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 8
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- First-time buyer
- Non-QM loan
- Down payment assistance
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer 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)
- 9
Rob KaiserNMLS 146468
CrossCountry Mortgage · Sarasota, FL · licensed in 6 states
- First-time buyer
- 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 First-time buyer 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)
- 10
Denise LottNMLS 704436
Union Home Mortgage · Savannah, GA · licensed in 8 states
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 11
Bobby LuuNMLS 185192
American Pacific Mortgage · Reston, VA · licensed in 8 states
- First-time buyer
- FHA loan
- Jumbo loan
- Non-QM loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 12
Kenneth JohnsonNMLS 204926
CrossCountry Mortgage · Doylestown, PA · licensed in 3 states
- First-time buyer
- FHA loan
- VA loan
- HELOC
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 19 years of experience (lender page, 2026-10-09)
- 13
Todd McDermottNMLS 63690
Homestead Funding · Goshen, NY · licensed in 9 states
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 14
Sheri BarberNMLS 243041
Union Home Mortgage · Rehoboth Beach, DE · licensed in 2 states
- First-time buyer
- FHA loan
- USDA loan
- VA loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 25 years of experience (lender page, 2026-10-09)
- 15
Jeffrey ZulaufNMLS 18566
CrossCountry Mortgage · Suwanee, GA · licensed in 22 states
- First-time buyer
- Condo
- Real estate investor
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 16
Nathan FitzgeraldNMLS 369554
CrossCountry Mortgage · Orlando, FL · licensed in 15 states
- First-time buyer
- VA loan
- Renovation loan (203k / HomeStyle)
- HELOC
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 17
John AstrologoNMLS 441861
CrossCountry Mortgage · White Plains, NY · licensed in 10 states
- First-time buyer
- Co-op
- FHA loan
- Jumbo loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 16 years of experience (lender page, 2026-10-09)
- 18
Helena LopesNMLS 2514903
CrossCountry Mortgage · Lansdale, PA · licensed in 2 states
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 14 years of experience (lender page, 2026-10-09)
- 19
Ryan PaquinNMLS 187868
First Home Mortgage · Crofton, MD · licensed in 10 states
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 20
Vince GutierrezNMLS 2088096
NFM Lending · Medford Lakes, NJ · licensed in 4 states
- First-time buyer
- Real estate investor
- Self-employed
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Medford Lakes, NJ
- Licensed since 2021 (per Florida records)
- States 7 years of experience (lender page, 2026-10-09)
- 21
Charles PuleriNMLS 54667
CrossCountry Mortgage · Delray Beach, FL · licensed in 12 states
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 22
Joan KofskyNMLS 133361
CrossCountry Mortgage · Wayne, PA · licensed in 7 states
- First-time buyer
- Real estate investor
- Renovation loan (203k / HomeStyle)
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 23
Mary Jo TraversoneNMLS 589509
Homestead Funding · Williamsville, NY · licensed in 9 states
- First-time buyer
- VA loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Florida records)
- 24
Maureen F. KohlerNMLS 34223
Homestead Funding · Warwick, NY · licensed in 2 states
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 35 years of experience (lender page, 2026-10-09)
- 25
Jake HealyNMLS 1028904
CrossCountry Mortgage · Delray Beach, FL · licensed in 7 states
- First-time buyer
- Non-QM loan
- HELOC
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
Before you choose
The best options combine programs (FHA, conventional low down, local assistance) and need patient guidance through the process.
- Which low down payment programs fit my situation?
- Am I eligible for any first-time buyer assistance here?
- What will my total cash to close be?
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=first-time-buyer&state=NJ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.