Loan programs · New York
Non-QM loan officers in New York
As of 2026-10-09, LenDb lists 56 loan officers licensed in or based in New York whose lender pages show Non-QM loan work. The top-ranked are Eric Vaughn (CrossCountry Mortgage, Williamsville), Eric Gasper (CrossCountry Mortgage, Mineola) and Margie Wilderotter (CrossCountry Mortgage, White Plains). Ranking is lender-neutral: specialty evidence first, then a license in NY, 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 VaughnNMLS 88577
CrossCountry Mortgage · Williamsville, NY
- Non-QM loan
- FHA loan
- Physician and medical professional
- VA loan
- NY 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 Williamsville, NY
- States 23 years of experience (lender page, 2026-10-09)
- 2
Eric GasperNMLS 175852
CrossCountry Mortgage · Mineola, NY · licensed in 18 states
- Non-QM loan
- Real estate investor
- Self-employed
- NY 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 Mineola, NY
- Licensed since 2010 (per Colorado records)
- 3
Margie WilderotterNMLS 177439
CrossCountry Mortgage · White Plains, NY · licensed in 5 states
- Non-QM loan
- FHA loan
- First-time buyer
- NY 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 White Plains, NY
- Licensed since 2022 (per Florida records)
- States 34 years of experience (lender page, 2026-10-09)
- 4
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- Non-QM loan
- First-time buyer
- Down payment assistance
- NY 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)
- 5
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- Self-employed
- NY 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)
- 6
Scott HazardNMLS 30883
Embrace Home Loans · Jamestown, RI · licensed in 8 states
- Non-QM loan
- Jumbo loan
- NY 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 2011 (per Florida records)
- 7
Jason StallworthNMLS 7577
Embrace Home Loans · Amityville, NY · licensed in 6 states
- Non-QM loan
- FHA loan
- First-time buyer
- VA loan
- NY 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 Amityville, NY
- Licensed since 2021 (per Florida records)
- 8
Robbie PittelmanNMLS 185966
CrossCountry Mortgage · New Windsor, NY · licensed in 3 states
- Non-QM loan
- Self-employed
- FHA loan
- NY 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 New Windsor, NY
- States 27 years of experience (lender page, 2026-10-09)
- 9
Regina CristoderoNMLS 195320
CrossCountry Mortgage · White Plains, NY
- Non-QM loan
- Real estate investor
- VA loan
- FHA loan
- NY 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 White Plains, NY
- States 31 years of experience (lender page, 2026-10-09)
- 10
Jake HealyNMLS 1028904
CrossCountry Mortgage · Delray Beach, FL · licensed in 7 states
- Non-QM loan
- First-time buyer
- HELOC
- NY 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)
- 11
Barry KovenNMLS 404510
CrossCountry Mortgage · Brooklyn, NY · licensed in 6 states
- Non-QM loan
- Construction loan
- FHA loan
- VA loan
- NY 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 Brooklyn, NY
- Licensed since 2019 (per Florida records)
- States 18 years of experience (lender page, 2026-10-09)
- 12
Andrew MarquisNMLS 29861
CrossCountry Mortgage · Lexington, MA · licensed in 25 states
- Non-QM loan
- Jumbo loan
- NY 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)
- 13
Chris WinzigNMLS 113169
CrossCountry Mortgage · Fairfield, CT · licensed in 8 states
- Non-QM loan
- FHA loan
- NY 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)
- 14
Rob KaiserNMLS 146468
CrossCountry Mortgage · Sarasota, FL · licensed in 6 states
- Non-QM loan
- First-time buyer
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- NY 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)
- 15
Nicole PerroneNMLS 235881
CrossCountry Mortgage · Union, NJ · licensed in 5 states
- Non-QM loan
- Condo
- Jumbo loan
- Real estate investor
- NY 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 2024 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 16
Steven MaizesNMLS 250590
CrossCountry Mortgage · Newport Beach, CA · licensed in 11 states
- Non-QM loan
- Jumbo loan
- VA loan
- NY 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)
- 17
Steven LuzziNMLS 276620
CrossCountry Mortgage · Summit, NJ · licensed in 4 states
- Non-QM loan
- Down payment assistance
- Jumbo loan
- NY 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)
- 18
Ubaldo V Leon IIINMLS 304012
CrossCountry Mortgage · Lewisville, TX · licensed in 14 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- VA loan
- NY 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 22 years of experience (lender page, 2026-10-09)
- 19
Tammy O'ScanlonNMLS 453163
CrossCountry Mortgage · Union, NJ · licensed in 7 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- NY 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 2024 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 20
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Reverse mortgage
- NY 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 28 years of experience (lender page, 2026-10-09)
- 21
Glenn DubeNMLS 36832
Embrace Home Loans · Melville, NY
- Non-QM loan
- Real estate investor
- Self-employed
- NY 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 Melville, NY
- 22
Michael MizrahiNMLS 188831
CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states
- Non-QM loan
- Jumbo loan
- NY 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 Florida records)
- 23
Peter CostakosNMLS 139540
CrossCountry Mortgage · Purchase, NY · licensed in 25 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- NY 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 Purchase, NY
- Licensed since 2017 (per Florida records)
- 24
Ronald AtamianNMLS 963318
CrossCountry Mortgage · Allentown, PA · licensed in 6 states
- Non-QM loan
- 1099 income
- Asset-based qualifying
- Bank statement loan
- NY 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 2021 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 25
Cameron CastronovaNMLS 1605079
CrossCountry Mortgage · Melville, NY · licensed in 6 states
- Non-QM loan
- Self-employed
- Real estate investor
- First-time buyer
- NY 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 Melville, NY
- Licensed since 2018 (per Florida records)
- States 9 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 NY license is confirmed with the state regulator (check mark), NY 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=NY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.