Borrower situations · New Jersey
Loan officers for borrowers with low credit scores in New Jersey
As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in New Jersey whose lender pages show Low credit score work. The top-ranked is Katy Sychterz (Guild Mortgage, Lancaster). 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 1
- 1
Katy SychterzNMLS 183951
Guild Mortgage · Lancaster, PA · licensed in 3 states
- Low credit score
- VA loan
- Down payment assistance
- Lists Low credit score on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
Before you choose
Lender overlays often exceed program minimums, so finding a lender that lends to the actual program floor matters.
- What is your actual minimum score for this program?
- Can you help me with a rapid rescore?
- How much will my score affect my rate and mortgage insurance?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in NJ or have a branch there. Then branch location, years licensed 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=low-credit&state=NJ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.