--- canonical_url: https://lendb.ai/s/non-qm/new-york last_verified: 2026-10-09 --- # Non-QM loan officers in New York As of 2026-10-09, LenDb lists 55 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. ## Ranked, with reasons 1. **[Eric Vaughn](https://lendb.ai/lo/eric-vaughn-88577)** (NMLS 88577), CrossCountry Mortgage, Williamsville, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Williamsville, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-09) 2. **[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) - Office in Mineola, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Colorado records) 3. **[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) - Office in White Plains, NY - NY 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) 4. **[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) - NY 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) 5. **[Scott Hazard](https://lendb.ai/lo/scott-hazard-30883)** (NMLS 30883), Embrace Home Loans, Jamestown, RI - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 6. **[Jason Stallworth](https://lendb.ai/lo/jason-stallworth-7577)** (NMLS 7577), Embrace Home Loans, Amityville, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Amityville, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 7. **[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) - Office in New Windsor, NY - NY 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) 8. **[Regina Cristodero](https://lendb.ai/lo/regina-cristodero-195320)** (NMLS 195320), CrossCountry Mortgage, White Plains, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in White Plains, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 31 years of experience (lender page, 2026-10-09) 9. **[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) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 10. **[Barry Koven](https://lendb.ai/lo/barry-koven-404510)** (NMLS 404510), CrossCountry Mortgage, Brooklyn, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Brooklyn, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 11. **[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) - NY 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) 12. **[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) - NY 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) 13. **[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) - NY 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) 14. **[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) - NY 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) 15. **[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) - NY 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) 16. **[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) - NY 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) 17. **[Ubaldo V Leon III](https://lendb.ai/lo/ubaldo-leon-304012)** (NMLS 304012), CrossCountry Mortgage, Lewisville, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 18. **[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) - NY 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) 19. **[Sarena Talbert](https://lendb.ai/lo/sarena-talbert-1043739)** (NMLS 1043739), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 20. **[Glenn Dube](https://lendb.ai/lo/glenn-dube-36832)** (NMLS 36832), Embrace Home Loans, Melville, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Melville, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Michael Mizrahi](https://lendb.ai/lo/michael-mizrahi-188831)** (NMLS 188831), CrossCountry Mortgage, Delray Beach, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 22. **[Peter Costakos](https://lendb.ai/lo/peter-costakos-139540)** (NMLS 139540), CrossCountry Mortgage, Purchase, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Purchase, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 23. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NY 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) 24. **[Cameron Castronova](https://lendb.ai/lo/cameron-castronova-1605079)** (NMLS 1605079), CrossCountry Mortgage, Melville, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Melville, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 9 years of experience (lender page, 2026-10-09) 25. **[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) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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-york. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._