{
  "canonical_url": "https://lendb.ai/s/reverse/new-jersey",
  "summary": "As of 2026-10-09, LenDb lists 27 loan officers licensed in or based in New Jersey whose lender pages show Reverse mortgage work. The top-ranked are Gerald Brody (CrossCountry Mortgage, Southfield), Rene Gonzalez (Fairway Independent Mortgage Corporation, Freeport) and Margaret Sanchez (CrossCountry Mortgage, Parsippany). Ranking is lender-neutral: specialty evidence first, then a license in NJ, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "reverse",
  "state": "NJ",
  "total": 27,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 397642,
        "slug": "gerald-brody-397642",
        "full_name": "Gerald Brody",
        "canonical_url": "https://lendb.ai/lo/gerald-brody-397642",
        "json_url": "https://lendb.ai/lo/gerald-brody-397642.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Southfield",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "IL",
          "MI",
          "NC",
          "NJ",
          "OH",
          "PA",
          "SC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/southfield-mi-2330/gerald-brody/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/gerald-brody-397642"
    },
    {
      "rank": 2,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 62315,
        "slug": "rene-gonzalez-62315",
        "full_name": "Rene Gonzalez",
        "canonical_url": "https://lendb.ai/lo/rene-gonzalez-62315",
        "json_url": "https://lendb.ai/lo/rene-gonzalez-62315.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Freeport",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CT",
          "NJ",
          "NY",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 30,
        "lender_profile_url": "https://www.fairway.com/lo/rene-gonzalez-62315"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/rene-gonzalez-62315"
    },
    {
      "rank": 3,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 101952,
        "slug": "margaret-sanchez-101952",
        "full_name": "Margaret Sanchez",
        "canonical_url": "https://lendb.ai/lo/margaret-sanchez-101952",
        "json_url": "https://lendb.ai/lo/margaret-sanchez-101952.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Parsippany",
          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "NJ"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/parsippany-nj-3863/margaret-sanchez/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "Branch in New Jersey",
        "0 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/margaret-sanchez-101952"
    },
    {
      "rank": 4,
      "score": 52,
      "loan_officer": {
        "nmls_id": 202583,
        "slug": "dominick-angotti-202583",
        "full_name": "Dominick Angotti",
        "canonical_url": "https://lendb.ai/lo/dominick-angotti-202583",
        "json_url": "https://lendb.ai/lo/dominick-angotti-202583.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "NJ",
          "NY",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-3950/dominick-angotti/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dominick-angotti-202583"
    },
    {
      "rank": 5,
      "score": 50,
      "loan_officer": {
        "nmls_id": 600621,
        "slug": "crystal-rivera-600621",
        "full_name": "Crystal Rivera",
        "canonical_url": "https://lendb.ai/lo/crystal-rivera-600621",
        "json_url": "https://lendb.ai/lo/crystal-rivera-600621.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "IL",
          "MA",
          "MI",
          "NC",
          "NJ",
          "NY",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4777/crystal-rivera/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/crystal-rivera-600621"
    },
    {
      "rank": 6,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 43162,
        "slug": "joseph-heisler-43162",
        "full_name": "Joseph Heisler",
        "canonical_url": "https://lendb.ai/lo/joseph-heisler-43162",
        "json_url": "https://lendb.ai/lo/joseph-heisler-43162.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "DE",
          "MD",
          "NJ",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 35,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joseph-heisler-43162"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-heisler-43162"
    },
    {
      "rank": 7,
      "score": 49,
      "loan_officer": {
        "nmls_id": 139186,
        "slug": "scott-eisgrau-139186",
        "full_name": "Scott Eisgrau",
        "canonical_url": "https://lendb.ai/lo/scott-eisgrau-139186",
        "json_url": "https://lendb.ai/lo/scott-eisgrau-139186.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Owings Mills",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "MD",
          "NJ",
          "PA",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/scott-eisgrau/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-eisgrau-139186"
    },
    {
      "rank": 8,
      "score": 49,
      "loan_officer": {
        "nmls_id": 485942,
        "slug": "megan-brogna-485942",
        "full_name": "Megan Brogna",
        "canonical_url": "https://lendb.ai/lo/megan-brogna-485942",
        "json_url": "https://lendb.ai/lo/megan-brogna-485942.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Wayne",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "DC",
          "DE",
          "GA",
          "IA",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MO",
          "NC",
          "NH",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-3944/megan-brogna/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/megan-brogna-485942"
    },
    {
      "rank": 9,
      "score": 48.5,
      "loan_officer": {
        "nmls_id": 133647,
        "slug": "anthony-byrnes-133647",
        "full_name": "Anthony Byrnes",
        "canonical_url": "https://lendb.ai/lo/anthony-byrnes-133647",
        "json_url": "https://lendb.ai/lo/anthony-byrnes-133647.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Wayne",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "GA",
          "KS",
          "MA",
          "MO",
          "NC",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-3944/anthony-byrnes/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/anthony-byrnes-133647"
    },
    {
      "rank": 10,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 150626,
        "slug": "kirk-ulshafer-150626",
        "full_name": "Kirk Ulshafer",
        "canonical_url": "https://lendb.ai/lo/kirk-ulshafer-150626",
        "json_url": "https://lendb.ai/lo/kirk-ulshafer-150626.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Wayne",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CO",
          "DC",
          "GA",
          "IL",
          "MD",
          "MI",
          "NJ",
          "OH",
          "PA",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-3944/kirk-ulshafer/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "0 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kirk-ulshafer-150626"
    },
    {
      "rank": 11,
      "score": 47,
      "loan_officer": {
        "nmls_id": 139177,
        "slug": "neil-sweren-139177",
        "full_name": "Neil Sweren",
        "canonical_url": "https://lendb.ai/lo/neil-sweren-139177",
        "json_url": "https://lendb.ai/lo/neil-sweren-139177.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Owings Mills",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CO",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "NJ",
          "OH",
          "PA",
          "RI",
          "SC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/neil-sweren/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/neil-sweren-139177"
    },
    {
      "rank": 12,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 615769,
        "slug": "tanya-mace-615769",
        "full_name": "Tanya Mace",
        "canonical_url": "https://lendb.ai/lo/tanya-mace-615769",
        "json_url": "https://lendb.ai/lo/tanya-mace-615769.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "West Lawn",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "NJ",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/pa/westlawn/tanya-mace-700-rgtmac.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/tanya-mace-615769"
    },
    {
      "rank": 13,
      "score": 45.5,
      "loan_officer": {
        "nmls_id": 1200569,
        "slug": "luca-centrone-1200569",
        "full_name": "Luke Centrone",
        "canonical_url": "https://lendb.ai/lo/luca-centrone-1200569",
        "json_url": "https://lendb.ai/lo/luca-centrone-1200569.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Purchase",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "HI",
          "MA",
          "MI",
          "NH",
          "NJ",
          "NY",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NC",
          "NJ",
          "SC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 23,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/lisa-nichols/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lisa-nichols-193453"
    }
  ]
}