---
canonical_url: https://lendb.ai/s/new-construction/massachusetts
last_verified: 2026-10-09
---

# 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 Jay Cox (CrossCountry Mortgage, Pittsburgh), Nicole Kwan (CrossCountry Mortgage, Lexington) and Tracy Bolen (American Pacific Mortgage, Roseville). Ranking is lender-neutral: specialty evidence first, then a license in MA, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Jay Cox](https://lendb.ai/lo/jeremiah-cox-448416)** (NMLS 448416), CrossCountry Mortgage, Pittsburgh, PA
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Nicole Kwan](https://lendb.ai/lo/nicole-kwan-477256)** (NMLS 477256), CrossCountry Mortgage, Lexington, MA
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - Office in Lexington, MA
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 20 years of experience (lender page, 2026-10-09)
3. **[Tracy Bolen](https://lendb.ai/lo/tracy-bolen-1734508)** (NMLS 1734508), American Pacific Mortgage, Roseville, CA
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Colorado records)
4. **[Sandra Guide](https://lendb.ai/lo/sandra-guide-781301)** (NMLS 781301), Embrace Home Loans, Manchester, NH
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/new-construction/massachusetts.

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