--- canonical_url: https://lendb.ai/s/first-time-buyer/new-jersey last_verified: 2026-10-09 --- # Loan officers for first-time buyers in New Jersey As of 2026-10-09, LenDb lists 319 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. ## Ranked, with reasons 1. **[Kevin Berju](https://lendb.ai/lo/kevin-berju-137213)** (NMLS 137213), CrossCountry Mortgage, Moorestown, NJ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Moorestown, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 2. **[Ron Gosewisch](https://lendb.ai/lo/ron-gosewisch-210533)** (NMLS 210533), NFM Lending, Haddonfield, NJ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Haddonfield, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-09) 3. **[Denis Nevin](https://lendb.ai/lo/denis-nevin-341978)** (NMLS 341978), Embrace Home Loans, Basking Ridge, NJ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Basking Ridge, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 4. **[Robin D Cohen](https://lendb.ai/lo/robin-cohen-1525523)** (NMLS 1525523), CrossCountry Mortgage, Denville, NJ - Lists First-time buyer 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 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 5. **[Nelson Jaramillo](https://lendb.ai/lo/nelson-jaramillo-138363)** (NMLS 138363), Loan Factory, NJ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in New Jersey - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 6. **[Denise Panza](https://lendb.ai/lo/denise-panza-16446)** (NMLS 16446), Total Mortgage Services, Naples, FL - Lists First-time buyer 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) - States 30 years of experience (lender page, 2026-10-09) 7. **[Adam Workman](https://lendb.ai/lo/adam-workman-128183)** (NMLS 128183), CrossCountry Mortgage, Charlotte, NC - Lists First-time buyer 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 2020 (per Florida records) - States 20 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 First-time buyer 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) 9. **[Denise Lott](https://lendb.ai/lo/denise-lott-704436)** (NMLS 704436), Union Home Mortgage, Savannah, GA - Lists First-time buyer 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 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 10. **[Bobby Luu](https://lendb.ai/lo/hong-luu-185192)** (NMLS 185192), American Pacific Mortgage, Reston, VA - Lists First-time buyer 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 25 years of experience (lender page, 2026-10-09) 11. **[Kenneth Johnson](https://lendb.ai/lo/kenneth-johnson-204926)** (NMLS 204926), CrossCountry Mortgage, Doylestown, PA - Lists First-time buyer 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) - States 19 years of experience (lender page, 2026-10-09) 12. **[Todd McDermott](https://lendb.ai/lo/todd-mcdermott-63690)** (NMLS 63690), Homestead Funding, Goshen, NY - Lists First-time buyer 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) - States 30 years of experience (lender page, 2026-10-09) 13. **[Sheri Barber](https://lendb.ai/lo/sheri-barber-243041)** (NMLS 243041), Union Home Mortgage, Rehoboth Beach, DE - Lists First-time buyer 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) - States 25 years of experience (lender page, 2026-10-09) 14. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA - Lists First-time buyer 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) - States 15 years of experience (lender page, 2026-10-09) 15. **[Nathan Fitzgerald](https://lendb.ai/lo/nathan-fitzgerald-369554)** (NMLS 369554), CrossCountry Mortgage, Orlando, FL - Lists First-time buyer 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 15 years of experience (lender page, 2026-10-09) 16. **[John Astrologo](https://lendb.ai/lo/john-astrologo-441861)** (NMLS 441861), CrossCountry Mortgage, White Plains, NY - Lists First-time buyer 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 16 years of experience (lender page, 2026-10-09) 17. **[Helena Lopes](https://lendb.ai/lo/helena-lopes-2514903)** (NMLS 2514903), CrossCountry Mortgage, Lansdale, PA - Lists First-time buyer 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) - States 14 years of experience (lender page, 2026-10-09) 18. **[Ryan Paquin](https://lendb.ai/lo/ryan-paquin-187868)** (NMLS 187868), First Home Mortgage, Crofton, MD - Lists First-time buyer 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 10 years of experience (lender page, 2026-10-09) 19. **[Vince Gutierrez](https://lendb.ai/lo/vicente-gutierrez-2088096)** (NMLS 2088096), NFM Lending, Medford Lakes, NJ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Medford Lakes, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 7 years of experience (lender page, 2026-10-09) 20. **[Charles Puleri](https://lendb.ai/lo/charles-puleri-54667)** (NMLS 54667), CrossCountry Mortgage, Delray Beach, FL - Lists First-time buyer 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) - States 21 years of experience (lender page, 2026-10-09) 21. **[Joan Kofsky](https://lendb.ai/lo/joan-zeruld-kofsky-133361)** (NMLS 133361), CrossCountry Mortgage, Wayne, PA - Lists First-time buyer 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 25 years of experience (lender page, 2026-10-09) 22. **[Mary Jo Traversone](https://lendb.ai/lo/mary-jo-traversone-589509)** (NMLS 589509), Homestead Funding, Williamsville, NY - Lists First-time buyer 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) 23. **[Maureen F. Kohler](https://lendb.ai/lo/maureen-f-kohler-34223)** (NMLS 34223), Homestead Funding, Warwick, NY - Lists First-time buyer 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) - States 35 years of experience (lender page, 2026-10-09) 24. **[Jake Healy](https://lendb.ai/lo/john-healy-1028904)** (NMLS 1028904), CrossCountry Mortgage, Delray Beach, FL - Lists First-time buyer 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) 25. **[Matt Lieberman](https://lendb.ai/lo/matthew-lieberman-200283)** (NMLS 200283), First Home Mortgage, Bethesda, MD - Lists First-time buyer 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) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/first-time-buyer/new-jersey. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._