---
canonical_url: https://lendb.ai/s/low-credit/new-jersey
last_verified: 2026-10-09
---

# Loan officers for borrowers with low credit scores in New Jersey

As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in New Jersey whose lender pages show Low credit score work. The top-ranked are Michael Cruz (Success Mortgage Partners, Paramus) and 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.

## Ranked, with reasons

1. **[Michael Cruz](https://lendb.ai/lo/michael-cruz-197253)** (NMLS 197253), Success Mortgage Partners, Paramus, NJ
   - Lists Low credit score on lender page (lender page, verified 2026-10-09)
   - Office in Paramus, NJ
   - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
2. **[Katy Sychterz](https://lendb.ai/lo/katy-sychterz-183951)** (NMLS 183951), Guild Mortgage, Lancaster, PA
   - Lists Low credit score 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)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/low-credit/new-jersey.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._