--- canonical_url: https://lendb.ai/s/renovation/new-jersey last_verified: 2026-10-09 --- # Renovation loan officers in New Jersey As of 2026-10-09, LenDb lists 53 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. ## Ranked, with reasons 1. **[Randy Reay](https://lendb.ai/lo/randy-reay-110185)** (NMLS 110185), CrossCountry Mortgage, Parsippany, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Parsippany, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 34 years of experience (lender page, 2026-10-09) 2. **[Nelson Jaramillo](https://lendb.ai/lo/nelson-jaramillo-138363)** (NMLS 138363), Loan Factory, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in New Jersey - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 3. **[Rene Gonzalez](https://lendb.ai/lo/rene-gonzalez-62315)** (NMLS 62315), Fairway Independent Mortgage Corporation, Freeport, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 4. **[Scott Lacey](https://lendb.ai/lo/scott-lacey-8154)** (NMLS 8154), Guild Mortgage, Lincoln, RI - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 5. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 6. **[Joan Kofsky](https://lendb.ai/lo/joan-zeruld-kofsky-133361)** (NMLS 133361), CrossCountry Mortgage, Wayne, PA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 7. **[Ed Fallon](https://lendb.ai/lo/edward-fallon-144708)** (NMLS 144708), CrossCountry Mortgage, Philadelphia, PA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 8. **[Heidi Gage](https://lendb.ai/lo/heidi-gage-213769)** (NMLS 213769), NFM Lending, Linthicum, MD - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 9. **[Billy McElroy](https://lendb.ai/lo/william-mcelroy-48244)** (NMLS 48244), CrossCountry Mortgage, Sewell, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Sewell, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 10. **[Tom Gates](https://lendb.ai/lo/tom-gates-61691)** (NMLS 61691), CrossCountry Mortgage, Montvale, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Montvale, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 11. **[Lisa Umbehauer](https://lendb.ai/lo/lisa-umbehauer-404383)** (NMLS 404383), CrossCountry Mortgage, Union, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Union, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 12. **[Quentin Hardy](https://lendb.ai/lo/quentin-hardy-420639)** (NMLS 420639), CrossCountry Mortgage, Charlotte, NC - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 13. **[Brad Zerbe](https://lendb.ai/lo/bradley-zerbe-161236)** (NMLS 161236), NFM Lending, Haddonfield, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Haddonfield, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 14. **[Rob Kaiser](https://lendb.ai/lo/robert-kaiser-146468)** (NMLS 146468), CrossCountry Mortgage, Sarasota, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ 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) 15. **[Sandy Davis](https://lendb.ai/lo/alessandra-davis-172843)** (NMLS 172843), CrossCountry Mortgage, Aventura, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 16. **[Martin Metzdorf](https://lendb.ai/lo/martin-metzdorf-387719)** (NMLS 387719), CrossCountry Mortgage, Gilbert, AZ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 17. **[Jerome Daniels](https://lendb.ai/lo/jerome-daniels-1616634)** (NMLS 1616634), Loan Factory, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in New Jersey - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Barry Koven](https://lendb.ai/lo/barry-koven-404510)** (NMLS 404510), CrossCountry Mortgage, Brooklyn, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ 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) 19. **[Terry T. Terzakis](https://lendb.ai/lo/terry-terzakis-110369)** (NMLS 110369), Homestead Funding, North Haven, CT - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) 20. **[Nathan Fitzgerald](https://lendb.ai/lo/nathan-fitzgerald-369554)** (NMLS 369554), CrossCountry Mortgage, Orlando, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 21. **[Todd McDermott](https://lendb.ai/lo/todd-mcdermott-63690)** (NMLS 63690), Homestead Funding, Goshen, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 22. **[Robert Van Fechtmann](https://lendb.ai/lo/robert-van-fechtmann-960589)** (NMLS 960589), CrossCountry Mortgage, Union, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Union, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 23. **[Chris Loughlin](https://lendb.ai/lo/christopher-loughlin-1537524)** (NMLS 1537524), First Home Mortgage, Baltimore, MD - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 24. **[Zak Raffel](https://lendb.ai/lo/zak-raffel-1470292)** (NMLS 1470292), CrossCountry Mortgage, Montvale, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Montvale, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 25. **[David Schley](https://lendb.ai/lo/david-schley-2292691)** (NMLS 2292691), CrossCountry Mortgage, Denville, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Denville, NJ - NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/renovation/new-jersey. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._