Loan programs · New Jersey

HELOC loan officers in New Jersey

As of 2026-10-10, LenDb lists 55 loan officers licensed in or based in New Jersey whose lender pages show HELOC work. The top-ranked are Tracey Radinovic (Fairway Independent Mortgage Corporation, Overland Park), Daniel McDermott (CrossCountry Mortgage, Montvale) and Kris Hermann (Lit Financial Corporation). 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. 1

    Tracey RadinovicNMLS 997560

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

    • HELOC
    • Bank statement loan
    • DSCR loan
    • FHA loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
    • States 14 years of experience (lender page, 2026-10-09)
  2. 2

    Daniel McDermottNMLS 430030

    CrossCountry Mortgage · Montvale, NJ · licensed in 26 states

    • HELOC
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Montvale, NJ
    • Licensed since 2012 (per Florida records)
  3. 3

    Kris HermannNMLS 1247814

    Lit Financial Corporation · licensed in 8 states

    • HELOC
    • FHA loan
    • VA loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2015 (per Colorado records)
  4. 4

    Megan CurtisNMLS 1621681

    Pennymac · Pasadena, CA · licensed in 5 states

    • HELOC
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Colorado records)
  5. 5

    Gregory RutoloNMLS 34860

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

    • HELOC
    • Real estate investor
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Medford, NJ
  6. 6

    Matthew WardNMLS 236356

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Brick, NJ

    • HELOC
    • Co-op
    • Condo
    • FHA loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Brick, NJ
  7. 7

    Michael ColellaNMLS 1466855

    Embrace Home Loans · Basking Ridge, NJ · licensed in 6 states

    • HELOC
    • FHA loan
    • Jumbo loan
    • VA loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Basking Ridge, NJ
    • Licensed since 2026 (per Florida records)
    • States 10 years of experience (lender page, 2026-10-09)
  8. 8

    Jose DuarteNMLS 2809712

    Lower · Columbus, OH · licensed in 12 states

    • HELOC
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-10)
    • Licensed since 2026 (per Florida records)
  9. 9

    Iris LegaspiNMLS 690505

    First Citizens Bank · Bank · San Diego, CA · licensed in 35 states

    • HELOC
    • Down payment assistance
    • Physician and medical professional
    • Self-employed
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
  10. 10

    Brendan J SlaterNMLS 1099810

    Loan Factory · Mortgage broker · licensed in 3 states

    • HELOC
    • First-time buyer
    • Construction loan
    • DSCR loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
  11. 11

    Lynn DohertyNMLS 270412

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Avenel, NJ

    • HELOC
    • VA loan
    • FHA loan
    • Jumbo loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Avenel, NJ
  12. 12

    Jeremy PressNMLS 626305

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Hazlet, NJ

    • HELOC
    • Co-op
    • Condo
    • VA loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Hazlet, NJ
  13. 13

    Josh DanNMLS 2436989

    Loan Factory · Mortgage broker · licensed in 4 states

    • HELOC
    • DSCR loan
    • Self-employed
    • Real estate investor
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
  14. 14

    Nico ThomasNMLS 2750243

    Lower · Columbus, OH · licensed in 17 states

    • HELOC
    • FHA loan
    • VA loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-10)
    • Licensed since 2025 (per Florida records)
  15. 15

    Kole ClayNMLS 2786965

    Lower · Columbus, OH · licensed in 12 states

    • HELOC
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-10)
    • Licensed since 2026 (per Florida records)
  16. 16

    Maryann TaorminaNMLS 28020

    CrossCountry Mortgage · Tampa, FL · licensed in 8 states

    • HELOC
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2011 (per Florida records)
    • States 40 years of experience (lender page, 2026-10-09)
  17. 17

    Steven SlaskiNMLS 141931

    CrossCountry Mortgage · Allentown, PA · licensed in 6 states

    • HELOC
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
    • States 21 years of experience (lender page, 2026-10-09)
  18. 18

    Scott SchneidermanNMLS 219043

    CrossCountry Mortgage · Chicago, IL · licensed in 34 states

    • HELOC
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Florida records)
    • States 28 years of experience (lender page, 2026-10-09)
  19. 19

    Craig NataleNMLS 837716

    CrossCountry Mortgage · Lewisville, TX · licensed in 3 states

    • HELOC
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  20. 20

    Christopher KeelinNMLS 63764

    CrossCountry Mortgage · Denville, NJ · licensed in 42 states

    • HELOC
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Denville, NJ
    • Licensed since 2011 (per Florida records)
  21. 21

    Kenneth JohnsonNMLS 204926

    CrossCountry Mortgage · Doylestown, PA · licensed in 3 states

    • HELOC
    • FHA loan
    • First-time buyer
    • VA loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • States 19 years of experience (lender page, 2026-10-09)
  22. 22

    Max MojicaNMLS 1555263

    CrossCountry Mortgage · Tampa, FL · licensed in 4 states

    • HELOC
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  23. 23

    Barry KovenNMLS 404510

    CrossCountry Mortgage · Brooklyn, NY · licensed in 6 states

    • HELOC
    • Construction loan
    • FHA loan
    • VA loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
    • States 18 years of experience (lender page, 2026-10-09)
  24. 24

    Justin LiebermanNMLS 17836

    CrossCountry Mortgage · Union, NJ · licensed in 18 states

    • HELOC
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Office in Union, NJ
    • Licensed since 2015 (per Florida records)
    • States 10 years of experience (lender page, 2026-10-09)
  25. 25

    Daniel LimbergNMLS 33979

    Lit Financial Corporation · licensed in 11 states

    • HELOC
    • Jumbo loan
    • FHA loan
    • VA loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed since 2011 (per Florida records)

Before you choose

Combined loan-to-value limits, rate structures and draw periods vary by lender, and many only offer them to existing customers.

  • What combined loan-to-value do you allow?
  • Is the rate variable, and are there fixed-rate draw options?
  • Are there annual fees or early closure fees?

More about HELOC

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