--- canonical_url: https://lendb.ai/s/heloc/new-jersey last_verified: 2026-10-11 --- # HELOC loan officers in New Jersey As of 2026-10-11, LenDb lists 58 loan officers licensed in or based in New Jersey whose lender pages show HELOC work. The top-ranked are Jill Lyons (CMG Home Loans, Reno), Tracey Radinovic (Fairway Independent Mortgage Corporation, Overland Park) and Daniel McDermott (CrossCountry Mortgage, Montvale). 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. **[Jill Lyons](https://lendb.ai/lo/jill-lyons-206346)** (NMLS 206346), CMG Home Loans, Reno, NV - Lists HELOC on lender page (lender page, verified 2026-10-11) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 12, 2011 (Florida), per state regulator 2. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists HELOC 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) - Earliest state license record: November 24, 2025 (Florida), per state regulator - States 14 years of experience (lender page, 2026-10-09) 3. **[Daniel McDermott](https://lendb.ai/lo/daniel-mcdermott-430030)** (NMLS 430030), CrossCountry Mortgage, Montvale, NJ - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Montvale, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 9, 2012 (Florida), per state regulator 4. **[Kris Hermann](https://lendb.ai/lo/kris-hermann-1247814)** (NMLS 1247814), Lit Financial Corporation - Lists HELOC 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) - Earliest state license record: February 17, 2015 (Colorado), per state regulator 5. **[Megan Curtis](https://lendb.ai/lo/megan-curtis-1621681)** (NMLS 1621681), Pennymac, Pasadena, CA - Lists HELOC 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) - Earliest state license record: September 12, 2017 (Colorado), per state regulator 6. **[Gregory Rutolo](https://lendb.ai/lo/gregory-rutolo-34860)** (NMLS 34860), Loan Factory, Medford, NJ - Lists HELOC 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) 7. **[Matthew Ward](https://lendb.ai/lo/matthew-ward-236356)** (NMLS 236356), JPMorgan Chase Bank (Chase Home Lending), Brick, NJ - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Brick, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 8. **[Michael Colella](https://lendb.ai/lo/michael-colella-1466855)** (NMLS 1466855), Embrace Home Loans, Basking Ridge, NJ - Lists HELOC 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) - Earliest state license record: February 9, 2026 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-09) 9. **[Jose Duarte](https://lendb.ai/lo/jose-duarte-2809712)** (NMLS 2809712), Lower, Columbus, OH - Lists HELOC on lender page (lender page, verified 2026-10-10) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 2, 2026 (Florida), per state regulator 10. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists HELOC 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) 11. **[Brendan J Slater](https://lendb.ai/lo/brendan-slater-1099810)** (NMLS 1099810), Loan Factory - Lists HELOC 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) - Earliest state license record: November 13, 2025 (Florida), per state regulator 12. **[Lynn Doherty](https://lendb.ai/lo/lynn-doherty-270412)** (NMLS 270412), JPMorgan Chase Bank (Chase Home Lending), Avenel, NJ - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Avenel, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Jeremy Press](https://lendb.ai/lo/jeremy-press-626305)** (NMLS 626305), JPMorgan Chase Bank (Chase Home Lending), Hazlet, NJ - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Hazlet, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Kelly Hagler](https://lendb.ai/lo/kelly-hagler-583063)** (NMLS 583063), CMG Home Loans, Napa , CA - Lists HELOC on lender page (lender page, verified 2026-10-11) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Josh Dan](https://lendb.ai/lo/joshua-dan-2436989)** (NMLS 2436989), Loan Factory - Lists HELOC 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) - Earliest state license record: March 28, 2023 (Florida), per state regulator 16. **[Nico Thomas](https://lendb.ai/lo/nicolas-thomas-2750243)** (NMLS 2750243), Lower, Columbus, OH - Lists HELOC on lender page (lender page, verified 2026-10-10) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 27, 2025 (Florida), per state regulator 17. **[Kole Clay](https://lendb.ai/lo/kole-clay-2786965)** (NMLS 2786965), Lower, Columbus, OH - Lists HELOC on lender page (lender page, verified 2026-10-10) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 22, 2026 (Florida), per state regulator 18. **[Gerron Smart](https://lendb.ai/lo/gerron-smart-2291857)** (NMLS 2291857), CMG Home Loans, Middletown, NJ - Lists HELOC on lender page (lender page, verified 2026-10-11) - Office in Middletown, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Maryann Taormina](https://lendb.ai/lo/maryann-taormina-28020)** (NMLS 28020), CrossCountry Mortgage, Tampa, FL - Lists HELOC 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) - Earliest state license record: April 14, 2011 (Florida), per state regulator - States 40 years of experience (lender page, 2026-10-09) 20. **[Steven Slaski](https://lendb.ai/lo/steven-slaski-141931)** (NMLS 141931), CrossCountry Mortgage, Allentown, PA - Lists HELOC 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) - Earliest state license record: July 24, 2018 (Florida), per state regulator - States 21 years of experience (lender page, 2026-10-09) 21. **[Scott Schneiderman](https://lendb.ai/lo/scott-schneiderman-219043)** (NMLS 219043), CrossCountry Mortgage, Chicago, IL - Lists HELOC 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) - Earliest state license record: May 18, 2016 (Florida), per state regulator - States 28 years of experience (lender page, 2026-10-09) 22. **[Craig Natale](https://lendb.ai/lo/craig-natale-837716)** (NMLS 837716), CrossCountry Mortgage, Lewisville, TX - Lists HELOC 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) - Earliest state license record: July 28, 2021 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 23. **[Christopher Keelin](https://lendb.ai/lo/christopher-keelin-63764)** (NMLS 63764), CrossCountry Mortgage, Denville, NJ - Lists HELOC 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) - Earliest state license record: June 27, 2011 (Florida), per state regulator 24. **[Kenneth Johnson](https://lendb.ai/lo/kenneth-johnson-204926)** (NMLS 204926), CrossCountry Mortgage, Doylestown, PA - Lists HELOC 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) 25. **[Max Mojica](https://lendb.ai/lo/maximino-mojica-1555263)** (NMLS 1555263), CrossCountry Mortgage, Tampa, FL - Lists HELOC 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) - Earliest state license record: January 25, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/heloc/new-jersey. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._