Borrower situations · New Jersey

Loan officers for homeowners who are refinancing in New Jersey

As of 2026-10-26, LenDb lists 198 loan officers licensed in or based in New Jersey whose lender pages show Refinance work. The top-ranked are Michael Colella (Embrace Home Loans, Marlton), George Tsemberlis (CrossCountry Mortgage, White Plains) and Jason Stallworth (Embrace Home Loans, Amityville). 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. 1

    Michael ColellaNMLS 1466855

    Embrace Home Loans · Marlton, NJ · licensed in 9 states

    • Refinance
    • FHA loan
    • HELOC
    • Jumbo loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-21)
    • Office in Marlton, NJ
    • Earliest state license record: February 9, 2026 (Florida), per state regulator
    • States 10 years of experience (lender page, 2026-10-21)
  2. 2

    George TsemberlisNMLS 1760286

    CrossCountry Mortgage · White Plains, NY · licensed in 6 states

    • Refinance
    • First-time buyer
    • Real estate investor
    • FHA loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: December 3, 2020 (Florida), per state regulator
    • States 15 years of experience (lender page, 2026-10-26)
  3. 3

    Jason StallworthNMLS 7577

    Embrace Home Loans · Amityville, NY · licensed in 10 states

    • Refinance
    • FHA loan
    • First-time buyer
    • Non-QM loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-21)
    • Earliest state license record: November 24, 2021 (Florida), per state regulator
  4. 4

    Megan CurtisNMLS 1621681

    Pennymac · Pasadena, CA · licensed in 9 states

    • Refinance
    • HELOC
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: September 12, 2017 (Colorado), per state regulator
  5. 5

    Eric RasoNMLS 457108

    CMG Home Loans · Tempe, AZ · licensed in 40 states

    • Refinance
    • 2 to 4 unit property
    • Low credit score
    • Non-QM loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Earliest state license record: August 27, 2014 (Colorado), per state regulator
    • States 20 years of experience (lender page, 2026-10-20)
  6. 6

    Chelsea MastersonNMLS 1407263

    CrossCountry Mortgage · Sarasota, FL · licensed in 2 states

    • Refinance
    • FHA loan
    • First-time buyer
    • HELOC
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: May 8, 2024 (Florida), per state regulator
  7. 7

    Matt FensterNMLS 21524

    Guild Mortgage · Middletown, RI · licensed in 12 states

    • Refinance
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: April 15, 2026 (Florida), per state regulator
    • States 22 years of experience (lender page, 2026-10-20)
  8. 8

    Michael BushNMLS 67031

    Guild Mortgage · North Attleboro, MA · licensed in 8 states

    • Refinance
    • Jumbo loan
    • Down payment assistance
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: December 15, 2023 (Florida), per state regulator
    • States 25 years of experience (lender page, 2026-10-19)
  9. 9

    Antonio VelardiNMLS 1942729

    United Mortgage Corp. · Toms River, NJ · licensed in 2 states

    • Refinance
    • Real estate investor
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-21)
    • Office in Toms River, NJ
  10. 10

    Jennifer BuckholzNMLS 265867

    CMG Home Loans · Federal Way, WA · licensed in 28 states

    • Refinance
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Earliest state license record: July 26, 2011 (Oregon), per state regulator
  11. 11

    Russell SiegelNMLS 2011723

    Princeton Mortgage · licensed in 5 states

    • Refinance
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-21)
    • Earliest state license record: September 28, 2020 (Illinois), per state regulator
  12. 12

    Mark YoumagulNMLS 319143

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 20 states

    • Refinance
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Earliest state license record: July 27, 2010 (California), per state regulator
  13. 13

    Megan VenturaNMLS 2034097

    Success Mortgage Partners · Ambler, PA · licensed in 3 states

    • Refinance
    • Real estate investor
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-21)
    • Earliest state license record: January 8, 2024 (Texas), per state regulator
    • States 6 years of experience (lender page, 2026-10-21)
  14. 14

    Ken ReaganNMLS 231607

    CrossCountry Mortgage · Wenonah, NJ · licensed in 4 states

    • Refinance
    • Jumbo loan
    • VA loan
    • FHA loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Office in Wenonah, NJ
    • Earliest state license record: October 7, 2011 (Florida), per state regulator
    • States 28 years of experience (lender page, 2026-10-26)
  15. 15

    Lisa UmbehauerNMLS 404383

    CrossCountry Mortgage · Union, NJ · licensed in 4 states

    • Refinance
    • Renovation loan (203k / HomeStyle)
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Office in Union, NJ
    • Earliest state license record: June 16, 2026 (Texas), per state regulator
    • States 30 years of experience (lender page, 2026-10-26)
  16. 16

    Tom GatesNMLS 61691

    CrossCountry Mortgage · Montvale, NJ · licensed in 5 states

    • Refinance
    • Down payment assistance
    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Office in Montvale, NJ
    • Earliest state license record: August 22, 2025 (Oregon), per state regulator
    • States 30 years of experience (lender page, 2026-10-26)
  17. 17

    Nick MinkNMLS 112903

    CrossCountry Mortgage · Haddon Township, NJ · licensed in 2 states

    • Refinance
    • Down payment assistance
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Office in Haddon Township, NJ
    • States 21 years of experience (lender page, 2026-10-22)
  18. 18

    Robin D CohenNMLS 1525523

    CrossCountry Mortgage · Denville, NJ

    • Refinance
    • First-time buyer
    • FHA loan
    • HELOC
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Office in Denville, NJ
    • Earliest state license record: July 6, 2021 (Florida), per state regulator
    • States 25 years of experience (lender page, 2026-10-22)
  19. 19

    Rich DaesenerNMLS 524597

    CrossCountry Mortgage · Allentown, NJ · licensed in 2 states

    • Refinance
    • Jumbo loan
    • VA loan
    • Self-employed
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Office in Allentown, NJ
    • States 19 years of experience (lender page, 2026-10-22)
  20. 20

    Steven LuzziNMLS 276620

    CrossCountry Mortgage · Summit, NJ · licensed in 4 states

    • Refinance
    • Down payment assistance
    • Jumbo loan
    • Non-QM loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-21)
    • Office in Summit, NJ
    • Earliest state license record: February 8, 2023 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-21)
  21. 21

    Sarah PichardoNMLS 229120

    CMG Home Loans · Fairfax, VA · licensed in 39 states

    • Refinance
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Earliest state license record: August 15, 2022 (Florida), per state regulator
  22. 22

    Javier Kato, CMANMLS 2230547

    CrossCountry Mortgage · Brooklyn, NY · licensed in 2 states

    • Refinance
    • Co-op
    • Condo
    • DSCR loan
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
  23. 23

    Chrissy PullisNMLS 55237

    CrossCountry Mortgage · Denville, NJ · licensed in 13 states

    • Refinance
    • FHA loan
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Office in Denville, NJ
    • Earliest state license record: July 25, 2013 (California), per state regulator
  24. 24

    Daniel McDermottNMLS 430030

    CrossCountry Mortgage · Montvale, NJ · licensed in 27 states

    • Refinance
    • HELOC
    • FHA loan
    • First-time buyer
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Office in Montvale, NJ
    • Earliest state license record: July 9, 2012 (Florida), per state regulator
  25. 25

    Robert Van FechtmannNMLS 960589

    CrossCountry Mortgage · Union, NJ · licensed in 2 states

    • Refinance
    • Renovation loan (203k / HomeStyle)
    • NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Office in Union, NJ
    • Earliest state license record: February 27, 2017 (Florida), per state regulator

Before you choose

Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.

  • What are my total closing costs, and how many months until the lower payment pays them back?
  • Can I take cash out, and how much equity do I need to keep?
  • If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?

More about Refinance

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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=refinance&state=NJ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.