--- canonical_url: https://lendb.ai/s/refinance/new-jersey last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Michael Colella](https://lendb.ai/lo/michael-colella-1466855)** (NMLS 1466855), Embrace Home Loans, Marlton, NJ - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Marlton, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 9, 2026 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-21) 2. **[George Tsemberlis](https://lendb.ai/lo/george-tsemberlis-1760286)** (NMLS 1760286), CrossCountry Mortgage, White Plains, NY - Lists Refinance on lender page (lender page, verified 2026-10-26) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 3, 2020 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-26) 3. **[Jason Stallworth](https://lendb.ai/lo/jason-stallworth-7577)** (NMLS 7577), Embrace Home Loans, Amityville, NY - Lists Refinance on lender page (lender page, verified 2026-10-21) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 24, 2021 (Florida), per state regulator 4. **[Megan Curtis](https://lendb.ai/lo/megan-curtis-1621681)** (NMLS 1621681), Pennymac, Pasadena, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 12, 2017 (Colorado), per state regulator 5. **[Eric Raso](https://lendb.ai/lo/eric-raso-457108)** (NMLS 457108), CMG Home Loans, Tempe, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 27, 2014 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-20) 6. **[Chelsea Masterson](https://lendb.ai/lo/chelsea-masterson-1407263)** (NMLS 1407263), CrossCountry Mortgage, Sarasota, FL - Lists Refinance on lender page (lender page, verified 2026-10-22) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 8, 2024 (Florida), per state regulator 7. **[Matt Fenster](https://lendb.ai/lo/matthew-fenster-21524)** (NMLS 21524), Guild Mortgage, Middletown, RI - Lists Refinance on lender page (lender page, verified 2026-10-26) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 15, 2026 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-20) 8. **[Michael Bush](https://lendb.ai/lo/michael-bush-67031)** (NMLS 67031), Guild Mortgage, North Attleboro, MA - Lists Refinance on lender page (lender page, verified 2026-10-26) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 15, 2023 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-19) 9. **[Antonio Velardi](https://lendb.ai/lo/antonio-velardi-1942729)** (NMLS 1942729), United Mortgage Corp., Toms River, NJ - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Toms River, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Jennifer Buckholz](https://lendb.ai/lo/jennifer-buckholz-265867)** (NMLS 265867), CMG Home Loans, Federal Way, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 26, 2011 (Oregon), per state regulator 11. **[Russell Siegel](https://lendb.ai/lo/russell-siegel-2011723)** (NMLS 2011723), Princeton Mortgage - Lists Refinance on lender page (lender page, verified 2026-10-21) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 28, 2020 (Illinois), per state regulator 12. **[Mark Youmagul](https://lendb.ai/lo/phelotkhane-youmagul-319143)** (NMLS 319143), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 27, 2010 (California), per state regulator 13. **[Megan Ventura](https://lendb.ai/lo/megan-ventura-2034097)** (NMLS 2034097), Success Mortgage Partners, Ambler, PA - Lists Refinance on lender page (lender page, verified 2026-10-21) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 8, 2024 (Texas), per state regulator - States 6 years of experience (lender page, 2026-10-21) 14. **[Ken Reagan](https://lendb.ai/lo/kenneth-reagan-231607)** (NMLS 231607), CrossCountry Mortgage, Wenonah, NJ - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Wenonah, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 7, 2011 (Florida), per state regulator - States 28 years of experience (lender page, 2026-10-26) 15. **[Lisa Umbehauer](https://lendb.ai/lo/lisa-umbehauer-404383)** (NMLS 404383), CrossCountry Mortgage, Union, NJ - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Union, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 16, 2026 (Texas), per state regulator - States 30 years of experience (lender page, 2026-10-26) 16. **[Tom Gates](https://lendb.ai/lo/tom-gates-61691)** (NMLS 61691), CrossCountry Mortgage, Montvale, NJ - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Montvale, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 22, 2025 (Oregon), per state regulator - States 30 years of experience (lender page, 2026-10-26) 17. **[Nick Mink](https://lendb.ai/lo/nick-mink-112903)** (NMLS 112903), CrossCountry Mortgage, Haddon Township, NJ - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Haddon Township, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 21 years of experience (lender page, 2026-10-22) 18. **[Robin D Cohen](https://lendb.ai/lo/robin-cohen-1525523)** (NMLS 1525523), CrossCountry Mortgage, Denville, NJ - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Denville, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 6, 2021 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-22) 19. **[Rich Daesener](https://lendb.ai/lo/rich-daesener-524597)** (NMLS 524597), CrossCountry Mortgage, Allentown, NJ - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Allentown, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 19 years of experience (lender page, 2026-10-22) 20. **[Steven Luzzi](https://lendb.ai/lo/steven-luzzi-276620)** (NMLS 276620), CrossCountry Mortgage, Summit, NJ - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Summit, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 8, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-21) 21. **[Sarah Pichardo](https://lendb.ai/lo/sarah-pichardo-229120)** (NMLS 229120), CMG Home Loans, Fairfax, VA - Lists Refinance on lender page (lender page, verified 2026-10-20) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 15, 2022 (Florida), per state regulator 22. **[Javier Kato, CMA](https://lendb.ai/lo/javier-kato-cma-2230547)** (NMLS 2230547), CrossCountry Mortgage, Brooklyn, NY - Lists Refinance on lender page (lender page, verified 2026-10-26) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Chrissy Pullis](https://lendb.ai/lo/christine-pullis-55237)** (NMLS 55237), CrossCountry Mortgage, Denville, NJ - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Denville, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 25, 2013 (California), per state regulator 24. **[Daniel McDermott](https://lendb.ai/lo/daniel-mcdermott-430030)** (NMLS 430030), CrossCountry Mortgage, Montvale, NJ - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Montvale, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 9, 2012 (Florida), per state regulator 25. **[Robert Van Fechtmann](https://lendb.ai/lo/robert-van-fechtmann-960589)** (NMLS 960589), CrossCountry Mortgage, Union, NJ - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Union, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 27, 2017 (Florida), per state regulator ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/refinance/new-jersey. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._