Loan programs · New Jersey
Non-QM loan officers in New Jersey
As of 2026-10-09, LenDb lists 87 loan officers licensed in or based in New Jersey whose lender pages show Non-QM loan work. The top-ranked are Eric LaVecchia (CrossCountry Mortgage, Moorestown), Edwin Santiago (CrossCountry Mortgage, Wayne) and Joe Magallanes (CrossCountry Mortgage, Newport Beach). 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 25
- 1
Eric LaVecchiaNMLS 995264
CrossCountry Mortgage · Moorestown, NJ · licensed in 2 states
- Non-QM loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Moorestown, NJ
- Licensed since 2021 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 2
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- Non-QM loan
- First-time buyer
- Down payment assistance
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- States 23 years of experience (lender page, 2026-10-09)
- 3
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- Self-employed
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 4
Bobby LuuNMLS 185192
American Pacific Mortgage · Reston, VA · licensed in 8 states
- Non-QM loan
- FHA loan
- First-time buyer
- Jumbo loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 5
Keith AllenNMLS 198190
Loan Factory · Mortgage broker · licensed in 3 states
- Non-QM loan
- DSCR loan
- Jumbo loan
- Real estate investor
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 33 years of experience (lender page, 2026-10-09)
- 6
William Lee UnderwoodNMLS 1423725
Loan Factory · Mortgage broker · licensed in 4 states
- Non-QM loan
- Real estate investor
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 40 years of experience (lender page, 2026-10-09)
- 7
Eric GasperNMLS 175852
CrossCountry Mortgage · Mineola, NY · licensed in 18 states
- Non-QM loan
- Real estate investor
- Self-employed
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2010 (per Colorado records)
- 8
Margie WilderotterNMLS 177439
CrossCountry Mortgage · White Plains, NY · licensed in 5 states
- Non-QM loan
- FHA loan
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 34 years of experience (lender page, 2026-10-09)
- 9
Billy McElroyNMLS 48244
CrossCountry Mortgage · Sewell, NJ · licensed in 6 states
- Non-QM loan
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Sewell, NJ
- Licensed since 2021 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 10
Nicole PerroneNMLS 235881
CrossCountry Mortgage · Union, NJ · licensed in 5 states
- Non-QM loan
- Condo
- Jumbo loan
- Real estate investor
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Union, NJ
- Licensed since 2024 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 11
Steven LuzziNMLS 276620
CrossCountry Mortgage · Summit, NJ · licensed in 4 states
- Non-QM loan
- Down payment assistance
- Jumbo loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Summit, NJ
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 12
Tammy O'ScanlonNMLS 453163
CrossCountry Mortgage · Union, NJ · licensed in 7 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Union, NJ
- Licensed since 2024 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 13
Jake HealyNMLS 1028904
CrossCountry Mortgage · Delray Beach, FL · licensed in 7 states
- Non-QM loan
- First-time buyer
- HELOC
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- 14
Kevin GoinesNMLS 2233236
CrossCountry Mortgage · Tinton Falls, NJ
- Non-QM loan
- First-time buyer
- Real estate investor
- Reverse mortgage
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Tinton Falls, NJ
- 15
Amy Razzaq-SyedNMLS 2680665
Barrett Financial Group · Mortgage broker · East Rutherford, NJ
- Non-QM loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in East Rutherford, NJ
- 16
Vishal MoorjaniNMLS 2833632
CrossCountry Mortgage · Montvale, NJ
- Non-QM loan
- Real estate investor
- Self-employed
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Montvale, NJ
- 17
Irini LuluNMLS 482084
CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 8 states
- Non-QM loan
- Construction loan
- Real estate investor
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 18
Kristian RaccugliaNMLS 1559429
CrossCountry Mortgage · Union, NJ · licensed in 2 states
- Non-QM loan
- Condo
- Construction loan
- Jumbo loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Union, NJ
- 19
Andrew MarquisNMLS 29861
CrossCountry Mortgage · Lexington, MA · licensed in 25 states
- Non-QM loan
- Jumbo loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 20
Chris WinzigNMLS 113169
CrossCountry Mortgage · Fairfield, CT · licensed in 8 states
- Non-QM loan
- FHA loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 21
Rob KaiserNMLS 146468
CrossCountry Mortgage · Sarasota, FL · licensed in 6 states
- Non-QM loan
- First-time buyer
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 22
Robbie PittelmanNMLS 185966
CrossCountry Mortgage · New Windsor, NY · licensed in 3 states
- Non-QM loan
- Self-employed
- FHA loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 27 years of experience (lender page, 2026-10-09)
- 23
Steven MaizesNMLS 250590
CrossCountry Mortgage · Newport Beach, CA · licensed in 11 states
- Non-QM loan
- Jumbo loan
- VA loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 24
Martin MetzdorfNMLS 387719
CrossCountry Mortgage · Gilbert, AZ · licensed in 10 states
- Non-QM loan
- Real estate investor
- Renovation loan (203k / HomeStyle)
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 25
Nick SandovalNMLS 858085
CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 5 states
- Non-QM loan
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
Before you choose
Every non-QM lender has its own guidelines and pricing, so the loan officer's investor relationships matter.
- Which non-QM investors do you work with?
- Why does my situation need non-QM rather than an agency loan?
- Is there a prepayment penalty, and can I refinance later?
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=non-qm&state=NJ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.