--- canonical_url: https://lendb.ai/s/investor/new-jersey last_verified: 2026-10-09 --- # Loan officers for real estate investors in New Jersey As of 2026-10-09, LenDb lists 79 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. ## Ranked, with reasons 1. **[Jacqueline Koven](https://lendb.ai/lo/jacqueline-koven-252596)** (NMLS 252596), CrossCountry Mortgage, Summit, NJ - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - Office in Summit, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 7, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 2. **[Larry Vindman](https://lendb.ai/lo/larry-vindman-103147)** (NMLS 103147), CrossCountry Mortgage, Union, NJ - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - Office in Union, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 16, 2020 (Florida), per state regulator - States 17 years of experience (lender page, 2026-10-09) 3. **[Adam Workman](https://lendb.ai/lo/adam-workman-128183)** (NMLS 128183), CrossCountry Mortgage, Charlotte, NC - Lists Real estate investor 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 9, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 4. **[Eric Rosemary](https://lendb.ai/lo/eric-rosemary-301253)** (NMLS 301253), CrossCountry Mortgage, Boca Raton, FL - Lists Real estate investor 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 6, 2012 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 5. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA - Lists Real estate investor 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 5, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 6. **[Kraig Spence](https://lendb.ai/lo/kraig-spence-5675)** (NMLS 5675), Churchill Mortgage, Columbia, MD - Lists Real estate investor 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: December 15, 2007 (Colorado), per state regulator 7. **[Bobby Luu](https://lendb.ai/lo/hong-luu-185192)** (NMLS 185192), American Pacific Mortgage, Reston, VA - Lists Real estate investor 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 30, 2022 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 8. **[Matthew S. Devadan, MBA](https://lendb.ai/lo/matthew-devadan-21639)** (NMLS 21639), Atlantic Coast Mortgage, Westerville, OH - Lists Real estate investor 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: October 24, 2023 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 9. **[Keith Allen](https://lendb.ai/lo/keith-allen-198190)** (NMLS 198190), Loan Factory - Lists Real estate investor 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 12, 2025 (Florida), per state regulator - States 33 years of experience (lender page, 2026-10-09) 10. **[William Lee Underwood](https://lendb.ai/lo/william-lee-underwood-1423725)** (NMLS 1423725), Loan Factory - Lists Real estate investor 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 40 years of experience (lender page, 2026-10-09) 11. **[Joan Kofsky](https://lendb.ai/lo/joan-zeruld-kofsky-133361)** (NMLS 133361), CrossCountry Mortgage, Wayne, PA - Lists Real estate investor 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: October 19, 2017 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 12. **[Eric Gasper](https://lendb.ai/lo/eric-gasper-175852)** (NMLS 175852), CrossCountry Mortgage, Mineola, NY - Lists Real estate investor 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 22, 2010 (Colorado), per state regulator 13. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA - Lists Real estate investor 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: June 28, 2019 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 14. **[George Tsemberlis](https://lendb.ai/lo/george-tsemberlis-1760286)** (NMLS 1760286), CrossCountry Mortgage, White Plains, NY - Lists Real estate investor 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: December 3, 2020 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 15. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists Real estate investor 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) 16. **[Vince Gutierrez](https://lendb.ai/lo/vicente-gutierrez-2088096)** (NMLS 2088096), NFM Lending, Medford Lakes, NJ - Lists Real estate investor 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) - Earliest state license record: September 13, 2021 (Florida), per state regulator - States 7 years of experience (lender page, 2026-10-09) 17. **[Maggie Mikaitis](https://lendb.ai/lo/maggie-mikaitis-1395394)** (NMLS 1395394), CrossCountry Mortgage, Chicago, IL - Lists Real estate investor 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 1, 2018 (Florida), per state regulator - States 13 years of experience (lender page, 2026-10-09) 18. **[Rick Kromer](https://lendb.ai/lo/richard-kromer-2038530)** (NMLS 2038530), CrossCountry Mortgage, Tinton Falls, NJ - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - Office in Tinton Falls, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 24, 2021 (Florida), per state regulator - States 6 years of experience (lender page, 2026-10-09) 19. **[Mike Von Hohenstein](https://lendb.ai/lo/george-von-hohenstein-199668)** (NMLS 199668), CrossCountry Mortgage, Moorestown, NJ - Lists Real estate investor 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) - Earliest state license record: April 6, 2023 (Florida), per state regulator - States 24 years of experience (lender page, 2026-10-09) 20. **[Nicole Perrone](https://lendb.ai/lo/nicole-perrone-235881)** (NMLS 235881), CrossCountry Mortgage, Union, NJ - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - Office in Union, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 25, 2024 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 21. **[Brian Krisman](https://lendb.ai/lo/brian-krisman-785361)** (NMLS 785361), CrossCountry Mortgage, Morganville, NJ - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - Office in Morganville, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 8, 2023 (Florida), per state regulator 22. **[Denise Panza](https://lendb.ai/lo/denise-panza-16446)** (NMLS 16446), Total Mortgage Services, Naples, FL - Lists Real estate investor 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 10, 2011 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 23. **[Nate Vogel](https://lendb.ai/lo/nathaniel-vogel-1235062)** (NMLS 1235062), CrossCountry Mortgage, Cedarhurst, NY - Lists Real estate investor 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 5, 2018 (Florida), per state regulator 24. **[Shellie Carter](https://lendb.ai/lo/shellie-carter-997267)** (NMLS 997267), CrossCountry Mortgage, Denville, NJ - Lists Real estate investor 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) 25. **[Harrison Sangster](https://lendb.ai/lo/harrison-sangster-1832888)** (NMLS 1832888), CrossCountry Mortgage, Lake Placid, NY - Lists Real estate investor 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 27, 2020 (Florida), per state regulator ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/investor/new-jersey. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._