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Property types · Massachusetts

New construction loan officers in Massachusetts

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Massachusetts whose lender pages show New construction work. The top-ranked are Nicole Kwan (CrossCountry Mortgage, Lexington), Tracy Bolen (American Pacific Mortgage, Roseville) and Sandra Guide (Embrace Home Loans, Manchester). Ranking is lender-neutral: specialty evidence first, then a license in MA, 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 3

  1. 1

    Nicole KwanNMLS 477256

    CrossCountry Mortgage · Lexington, MA · licensed in 5 states

    • New construction
    • Condo
    • Foreign national
    • Physician and medical professional
    • Lists New construction on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (listed on lender page, verified 2026-10-09)
    • Branch in Massachusetts
    • 20 years experience (stated on lender page, 2026-10-09)
  2. 2

    Tracy BolenNMLS 1734508

    American Pacific Mortgage · Roseville, CA · licensed in 51 states

    • New construction
    • FHA loan
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • Lists New construction on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Sandra GuideNMLS 781301

    Embrace Home Loans · Manchester, NH · licensed in 5 states

    • New construction
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists New construction on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb

Before you choose

Long closing timelines need extended rate locks, and builder incentives often push buyers toward a preferred lender.

  • Can you offer an extended rate lock that covers the build timeline?
  • How do you compare with the builder's preferred lender incentives?
  • What happens if the completion date slips?

More about New construction

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 MA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=new-construction&state=MA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.