Borrower situations · New Jersey
Loan officers for real estate investors in New Jersey
As of 2026-10-09, LenDb lists 80 loan officers licensed in or based in New Jersey whose lender pages show Real estate investor work. The top-ranked are Jacqueline Koven (CrossCountry Mortgage, Summit), Larry Vindman (CrossCountry Mortgage, Union) and Adam Workman (CrossCountry Mortgage, Charlotte). 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
Jacqueline KovenNMLS 252596
CrossCountry Mortgage · Summit, NJ · licensed in 4 states
- Real estate investor
- FHA loan
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Summit, NJ
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Larry VindmanNMLS 103147
CrossCountry Mortgage · Union, NJ · licensed in 7 states
- Real estate investor
- Self-employed
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Union, NJ
- Licensed since 2020 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 3
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- Real estate investor
- First-time buyer
- VA loan
- FHA loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 4
Eric RosemaryNMLS 301253
CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states
- Real estate investor
- Asset-based qualifying
- Bank statement loan
- DSCR loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 5
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Real estate investor
- Jumbo loan
- Non-QM loan
- Self-employed
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 6
Bobby LuuNMLS 185192
American Pacific Mortgage · Reston, VA · licensed in 8 states
- Real estate investor
- FHA loan
- First-time buyer
- Jumbo loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 7
Keith AllenNMLS 198190
Loan Factory · Mortgage broker · licensed in 3 states
- Real estate investor
- DSCR loan
- Jumbo loan
- Non-QM loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 33 years of experience (lender page, 2026-10-09)
- 8
William Lee UnderwoodNMLS 1423725
Loan Factory · Mortgage broker · licensed in 4 states
- Real estate investor
- Non-QM loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- States 40 years of experience (lender page, 2026-10-09)
- 9
Joan KofskyNMLS 133361
CrossCountry Mortgage · Wayne, PA · licensed in 7 states
- Real estate investor
- First-time buyer
- Renovation loan (203k / HomeStyle)
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 10
Eric GasperNMLS 175852
CrossCountry Mortgage · Mineola, NY · licensed in 18 states
- Real estate investor
- Non-QM loan
- Self-employed
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2010 (per Colorado records)
- 11
Jeffrey ZulaufNMLS 18566
CrossCountry Mortgage · Suwanee, GA · licensed in 22 states
- Real estate investor
- Condo
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 12
George TsemberlisNMLS 1760286
CrossCountry Mortgage · White Plains, NY · licensed in 6 states
- Real estate investor
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 13
Tracey RadinovicNMLS 997560
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states
- Real estate investor
- Bank statement loan
- DSCR loan
- FHA loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 14
Vince GutierrezNMLS 2088096
NFM Lending · Medford Lakes, NJ · licensed in 4 states
- Real estate investor
- First-time buyer
- Self-employed
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 15
Maggie MikaitisNMLS 1395394
CrossCountry Mortgage · Chicago, IL · licensed in 36 states
- Real estate investor
- Condo
- Jumbo loan
- Non-QM loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 13 years of experience (lender page, 2026-10-09)
- 16
Kraig SpenceNMLS 5675
Churchill Mortgage · Columbia, MD · licensed in 16 states
- Real estate investor
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2007 (per Colorado records)
- States 24 years of experience (lender page, 2026-10-09)
- 17
Dan KrausNMLS 40222
Churchill Mortgage · Brentwood, TN · licensed in 16 states
- Real estate investor
- FHA loan
- First-time buyer
- VA loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 18
Rick KromerNMLS 2038530
CrossCountry Mortgage · Tinton Falls, NJ
- Real estate investor
- FHA loan
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Tinton Falls, NJ
- Licensed since 2021 (per Florida records)
- States 6 years of experience (lender page, 2026-10-09)
- 19
Mike Von HohensteinNMLS 199668
CrossCountry Mortgage · Moorestown, NJ · licensed in 4 states
- Real estate investor
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Moorestown, NJ
- Licensed since 2023 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 20
Nicole PerroneNMLS 235881
CrossCountry Mortgage · Union, NJ · licensed in 5 states
- Real estate investor
- Condo
- Jumbo loan
- Non-QM loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Union, NJ
- Licensed since 2024 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 21
Matthew S. Devadan, MBANMLS 21639
Atlantic Coast Mortgage · Westerville, OH · licensed in 8 states
- Real estate investor
- Self-employed
- 1099 income
- Asset-based qualifying
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 22
Brian KrismanNMLS 785361
CrossCountry Mortgage · Morganville, NJ · licensed in 3 states
- Real estate investor
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Morganville, NJ
- Licensed since 2023 (per Florida records)
- 23
Nate VogelNMLS 1235062
CrossCountry Mortgage · Cedarhurst, NY · licensed in 11 states
- Real estate investor
- Non-QM loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- 24
Amy AltenburgNMLS 820600
Southern Trust Mortgage · Annapolis, MD · licensed in 7 states
- Real estate investor
- First-time buyer
- Down payment assistance
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 25
Shellie CarterNMLS 997267
CrossCountry Mortgage · Denville, NJ
- Real estate investor
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Denville, NJ
Before you choose
Agency limits on financed properties, reserves and rental income treatment push experienced investors toward specialized lenders.
- How many financed properties can I have with your programs?
- Can I close in an LLC?
- Do you offer DSCR or portfolio loans if I hit agency limits?
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=investor&state=NJ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.