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Property types · New Jersey

New construction loan officers in New Jersey

As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in New Jersey whose lender pages show New construction work. The top-ranked are Michael McNamee (U.S. Bank, Ocean City), Greg T Gelato (Wells Fargo Home Mortgage, Red Bank) and Robert Burd (U.S. Bank, Chatham). 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 6

  1. 1

    Michael McNameeNMLS 76054

    U.S. Bank · Bank · Ocean City, NJ

    • New construction
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists New construction on lender page (lender page, verified 2026-10-09)
    • Office in Ocean City, NJ
  2. 2

    Greg T GelatoNMLS 404155

    Wells Fargo Home Mortgage · Bank · Red Bank, NJ

    • New construction
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists New construction on lender page (lender page, verified 2026-10-09)
    • Office in Red Bank, NJ
  3. 3

    Robert BurdNMLS 644443

    U.S. Bank · Bank · Chatham, NJ

    • New construction
    • Construction loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists New construction on lender page (lender page, verified 2026-10-09)
    • Office in Chatham, NJ
  4. 4

    Jaison KoshyNMLS 1415046

    Loan Factory · Mortgage broker · licensed in 2 states

    • New construction
    • USDA loan
    • DSCR loan
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists New construction on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
    • States 15 years of experience (lender page, 2026-10-09)
  5. 5

    Theresa MiglinoNMLS 453791

    Embrace Home Loans · Wilmington, DE · licensed in 4 states

    • New construction
    • First-time buyer
    • Down payment assistance
    • FHA loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists New construction on lender page (lender page, verified 2026-10-09)
  6. 6

    Michael CruzNMLS 197253

    Success Mortgage Partners · Paramus, NJ

    • New construction
    • FHA loan
    • First-time buyer
    • Mixed-use property
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists New construction on lender page (lender page, verified 2026-10-09)
    • Office in Paramus, NJ

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 are listed when a NJ license is confirmed with the state regulator (check mark), NJ is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) 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=new-construction&state=NJ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.