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

# New construction loan officers in New Jersey

As of 2026-10-09, LenDb lists 5 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.

## Ranked, with reasons

1. **[Michael McNamee](https://lendb.ai/lo/michael-mcnamee-76054)** (NMLS 76054), U.S. Bank, Ocean City, NJ
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - Office in Ocean City, NJ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
2. **[Greg T Gelato](https://lendb.ai/lo/greg-t-gelato-404155)** (NMLS 404155), Wells Fargo Home Mortgage, Red Bank, NJ
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - Office in Red Bank, NJ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
3. **[Robert Burd](https://lendb.ai/lo/robert-burd-644443)** (NMLS 644443), U.S. Bank, Chatham, NJ
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - Office in Chatham, NJ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
4. **[Jaison Koshy](https://lendb.ai/lo/jaison-koshy-1415046)** (NMLS 1415046), Loan Factory
   - Lists New construction 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)
   - Licensed since 2021 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)
5. **[Michael Cruz](https://lendb.ai/lo/michael-cruz-197253)** (NMLS 197253), Success Mortgage Partners, Paramus, NJ
   - Lists New construction 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)

## 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/new-jersey.

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