--- canonical_url: https://lendb.ai/s/non-qm/new-jersey last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[Eric LaVecchia](https://lendb.ai/lo/eric-lavecchia-995264)** (NMLS 995264), CrossCountry Mortgage, Moorestown, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Moorestown, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 2. **[Edwin Santiago](https://lendb.ai/lo/edwin-santiago-133618)** (NMLS 133618), CrossCountry Mortgage, Wayne, PA - Lists Non-QM loan 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 2013 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 3. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan 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 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[Bobby Luu](https://lendb.ai/lo/hong-luu-185192)** (NMLS 185192), American Pacific Mortgage, Reston, VA - Lists Non-QM loan 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 2022 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 5. **[Keith Allen](https://lendb.ai/lo/keith-allen-198190)** (NMLS 198190), Loan Factory - Lists Non-QM loan 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 2025 (per Florida records) - States 33 years of experience (lender page, 2026-10-09) 6. **[William Lee Underwood](https://lendb.ai/lo/william-lee-underwood-1423725)** (NMLS 1423725), Loan Factory - Lists Non-QM loan 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) - States 40 years of experience (lender page, 2026-10-09) 7. **[Eric Gasper](https://lendb.ai/lo/eric-gasper-175852)** (NMLS 175852), CrossCountry Mortgage, Mineola, NY - Lists Non-QM loan 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 2010 (per Colorado records) 8. **[Margie Wilderotter](https://lendb.ai/lo/margaret-wilderotter-177439)** (NMLS 177439), CrossCountry Mortgage, White Plains, NY - Lists Non-QM loan 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 2022 (per Florida records) - States 34 years of experience (lender page, 2026-10-09) 9. **[Billy McElroy](https://lendb.ai/lo/william-mcelroy-48244)** (NMLS 48244), CrossCountry Mortgage, Sewell, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Sewell, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 10. **[Nicole Perrone](https://lendb.ai/lo/nicole-perrone-235881)** (NMLS 235881), CrossCountry Mortgage, Union, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Union, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 11. **[Steven Luzzi](https://lendb.ai/lo/steven-luzzi-276620)** (NMLS 276620), CrossCountry Mortgage, Summit, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Summit, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 12. **[Tammy O'Scanlon](https://lendb.ai/lo/tammy-o-scanlon-453163)** (NMLS 453163), CrossCountry Mortgage, Union, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Union, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 13. **[Jake Healy](https://lendb.ai/lo/john-healy-1028904)** (NMLS 1028904), CrossCountry Mortgage, Delray Beach, FL - Lists Non-QM loan 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 2017 (per Florida records) 14. **[Kevin Goines](https://lendb.ai/lo/kevin-goines-2233236)** (NMLS 2233236), CrossCountry Mortgage, Tinton Falls, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Tinton Falls, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Amy Razzaq-Syed](https://lendb.ai/lo/amy-razzaq-syed-2680665)** (NMLS 2680665), Barrett Financial Group, East Rutherford, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in East Rutherford, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Vishal Moorjani](https://lendb.ai/lo/vishal-moorjani-2833632)** (NMLS 2833632), CrossCountry Mortgage, Montvale, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Montvale, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Irini Lulu](https://lendb.ai/lo/irini-ronen-lulu-482084)** (NMLS 482084), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Non-QM loan 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 2019 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 18. **[Kristian Raccuglia](https://lendb.ai/lo/kristian-raccuglia-1559429)** (NMLS 1559429), CrossCountry Mortgage, Union, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Union, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Andrew Marquis](https://lendb.ai/lo/andrew-marquis-29861)** (NMLS 29861), CrossCountry Mortgage, Lexington, MA - Lists Non-QM loan 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 2020 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 20. **[Chris Winzig](https://lendb.ai/lo/christopher-winzig-113169)** (NMLS 113169), CrossCountry Mortgage, Fairfield, CT - Lists Non-QM loan 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 2016 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 21. **[Rob Kaiser](https://lendb.ai/lo/robert-kaiser-146468)** (NMLS 146468), CrossCountry Mortgage, Sarasota, FL - Lists Non-QM loan 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 2025 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 22. **[Robbie Pittelman](https://lendb.ai/lo/robbie-pittelman-185966)** (NMLS 185966), CrossCountry Mortgage, New Windsor, NY - Lists Non-QM loan 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) - States 27 years of experience (lender page, 2026-10-09) 23. **[Steven Maizes](https://lendb.ai/lo/steven-maizes-250590)** (NMLS 250590), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan 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 2019 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 24. **[Martin Metzdorf](https://lendb.ai/lo/martin-metzdorf-387719)** (NMLS 387719), CrossCountry Mortgage, Gilbert, AZ - Lists Non-QM loan 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 2025 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 25. **[Nick Sandoval](https://lendb.ai/lo/nicolas-sandoval-858085)** (NMLS 858085), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Non-QM loan 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 2016 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/non-qm/new-jersey. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._