Loan programs · New Jersey
Renovation loan officers in New Jersey
As of 2026-10-09, LenDb lists 54 loan officers licensed in or based in New Jersey whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Randy Reay (CrossCountry Mortgage, Parsippany), Nelson Jaramillo (Loan Factory) and Rene Gonzalez (Fairway Independent Mortgage Corporation, Freeport). 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
Randy ReayNMLS 110185
CrossCountry Mortgage · Parsippany, NJ
- Renovation loan (203k / HomeStyle)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- Branch in New Jersey
- 34 years experience (stated on lender page, 2026-10-09)
- 2
Nelson JaramilloNMLS 138363
Loan Factory · Mortgage broker · New Jersey
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- First-time buyer
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- Branch in New Jersey
- 20 years experience (stated on lender page, 2026-10-09)
- 3
Rene GonzalezNMLS 62315
Fairway Independent Mortgage Corporation · Freeport, NY · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- 15 years licensed
- 4
Ed FallonNMLS 144708
CrossCountry Mortgage · Philadelphia, PA · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- 12 years licensed
- 5
Tom GatesNMLS 61691
CrossCountry Mortgage · Montvale, NJ · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- First-time buyer
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- Branch in New Jersey
- 30 years experience (stated on lender page, 2026-10-09)
- 6
Lisa UmbehauerNMLS 404383
CrossCountry Mortgage · Union, NJ · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- Branch in New Jersey
- 30 years experience (stated on lender page, 2026-10-09)
- 7
Quentin HardyNMLS 420639
CrossCountry Mortgage · Charlotte, NC · licensed in 7 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- First-time buyer
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 8
Brad ZerbeNMLS 161236
NFM Lending · Haddonfield, NJ · licensed in 7 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- USDA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- Branch in New Jersey
- 1 years licensed
- 9
Scott LaceyNMLS 8154
Guild Mortgage · Lincoln, RI · licensed in 22 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- 6 years licensed
- 10
Robert Van FechtmannNMLS 960589
CrossCountry Mortgage · Union, NJ · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- Branch in New Jersey
- 9 years licensed
- 11
Terry T. TerzakisNMLS 110369
Homestead Funding · North Haven, CT · licensed in 12 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Jumbo loan
- USDA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- 10 years licensed
- 12
Joan KofskyNMLS 133361
CrossCountry Mortgage · Wayne, PA · licensed in 7 states
- Renovation loan (203k / HomeStyle)
- Real estate investor
- First-time buyer
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 13
Tracey RadinovicNMLS 997560
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states
- Renovation loan (203k / HomeStyle)
- Bank statement loan
- DSCR loan
- FHA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- 0 years licensed
- 14
Jerome DanielsNMLS 1616634
Loan Factory · Mortgage broker · New Jersey
- Renovation loan (203k / HomeStyle)
- FHA loan
- Non-QM loan
- VA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- Branch in New Jersey
- 15
Billy McElroyNMLS 48244
CrossCountry Mortgage · Sewell, NJ · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- Non-QM loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- Branch in New Jersey
- 5 years licensed
- 16
Scott EisgrauNMLS 139186
Atlantic Coast Mortgage · Owings Mills, MD · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Jumbo loan
- Reverse mortgage
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- 9 years licensed
- 17
Zak RaffelNMLS 1470292
CrossCountry Mortgage · Montvale, NJ · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Condo
- Down payment assistance
- Non-QM loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- Branch in New Jersey
- 4 years licensed
- 18
David SchleyNMLS 2292691
CrossCountry Mortgage · Denville, NJ · licensed in 18 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- Branch in New Jersey
- 4 years licensed
- 19
Todd McDermottNMLS 63690
Homestead Funding · Goshen, NY · licensed in 9 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- First-time buyer
- USDA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- 7 years licensed
- 20
Matthew BrazinskiNMLS 1127623
CrossCountry Mortgage · Tinton Falls, NJ
- Renovation loan (203k / HomeStyle)
- Construction loan
- Jumbo loan
- Real estate investor
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- Branch in New Jersey
- 5 years licensed
- 21
Sandy DavisNMLS 172843
CrossCountry Mortgage · Aventura, FL · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- First-time buyer
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- 13 years licensed
- 22
Heidi GageNMLS 213769
NFM Lending · Linthicum, MD · licensed in 27 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- VA loan
- Jumbo loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 23
Chris LoughlinNMLS 1537524
First Home Mortgage · Baltimore, MD · licensed in 18 states
- Renovation loan (203k / HomeStyle)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- 9 years licensed
- 24
Sonny WebbNMLS 404763
CrossCountry Mortgage · Union, NJ · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- Branch in New Jersey
- 2 years licensed
- 25
Kaeleigh GriggNMLS 2495770
CrossCountry Mortgage · Manasquan, NJ · licensed in 8 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- VA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in NJ (listed on lender page, verified 2026-10-09)
- Branch in New Jersey
- 2 years licensed
Before you choose
Contractor bids, consultants, draw schedules and as-completed appraisals add steps many loan officers avoid.
- How many renovation loans have you closed, and which programs?
- How do contractor draws and inspections work?
- What happens if the renovation runs over budget?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in NJ or have a branch there. Then branch location, years licensed 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=renovation&state=NJ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.