Property types · New Jersey
Vacation home loan officers in New Jersey
As of 2026-10-09, LenDb lists 19 loan officers licensed in or based in New Jersey whose lender pages show Vacation home work. The top-ranked are Matthew Ward (JPMorgan Chase Bank (Chase Home Lending), Brick), Robert Caravella (JPMorgan Chase Bank (Chase Home Lending), Jersey City) and Harrison Sangster (CrossCountry Mortgage, Lake Placid). 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 18
- 1
Matthew WardNMLS 236356
JPMorgan Chase Bank (Chase Home Lending) · Bank · Brick, NJ
- Vacation home
- Co-op
- Condo
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Brick, NJ
- 2
Robert CaravellaNMLS 483409
JPMorgan Chase Bank (Chase Home Lending) · Bank · Jersey City, NJ
- Vacation home
- Co-op
- Condo
- Self-employed
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Jersey City, NJ
- 3
Harrison SangsterNMLS 1832888
CrossCountry Mortgage · Lake Placid, NY · licensed in 4 states
- Vacation home
- Real estate investor
- FHA loan
- First-time buyer
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- 4
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Vacation home
- Down payment assistance
- First-time buyer
- Jumbo loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- States 17 years of experience (lender page, 2026-10-09)
- 5
Mark DeGenovaNMLS 854422
JPMorgan Chase Bank (Chase Home Lending) · Bank · Cape May Court House, NJ
- Vacation home
- Down payment assistance
- VA loan
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Cape May Court House, NJ
- Licensed since 2022 (per Florida records)
- 6
Mauricio RojasNMLS 39350
JPMorgan Chase Bank (Chase Home Lending) · Bank · Jersey City, NJ
- Vacation home
- Co-op
- Condo
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Jersey City, NJ
- 7
Carlos ZunigaNMLS 70042
JPMorgan Chase Bank (Chase Home Lending) · Bank · Madison, NJ
- Vacation home
- Jumbo loan
- First-time buyer
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Madison, NJ
- 8
Stuart GreenbaumNMLS 279221
JPMorgan Chase Bank (Chase Home Lending) · Bank · Teaneck, NJ
- Vacation home
- Co-op
- Condo
- Self-employed
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Teaneck, NJ
- 9
Salvador AguiaNMLS 420568
JPMorgan Chase Bank (Chase Home Lending) · Bank · Bergenfield, NJ
- Vacation home
- FHA loan
- Self-employed
- Jumbo loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Bergenfield, NJ
- 10
Rachel VelezNMLS 624065
JPMorgan Chase Bank (Chase Home Lending) · Bank · Ridgewood, NJ
- Vacation home
- Co-op
- Condo
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Ridgewood, NJ
- 11
John R SarraccoNMLS 136429
JPMorgan Chase Bank (Chase Home Lending) · Bank · Wayne, NJ
- Vacation home
- Down payment assistance
- VA loan
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Wayne, NJ
- 12
Joseph McGuckin Jr.NMLS 179174
JPMorgan Chase Bank (Chase Home Lending) · Bank · Woodbury, NJ
- Vacation home
- Co-op
- Condo
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Woodbury, NJ
- 13
Lisa SchadeNMLS 404217
JPMorgan Chase Bank (Chase Home Lending) · Bank · Freehold, NJ
- Vacation home
- FHA loan
- Jumbo loan
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Freehold, NJ
- 14
Harry SliferNMLS 481404
JPMorgan Chase Bank (Chase Home Lending) · Bank · Princeton, NJ
- Vacation home
- Down payment assistance
- Self-employed
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Princeton, NJ
- 15
Mike HudakNMLS 598480
JPMorgan Chase Bank (Chase Home Lending) · Bank · Upper Montclair, NJ
- Vacation home
- Down payment assistance
- Co-op
- Condo
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Upper Montclair, NJ
- 16
Cody TealNMLS 65382
First Citizens Bank · Bank · Wilmington, NC · licensed in 33 states
- Vacation home
- Construction loan
- First-time buyer
- Jumbo loan
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- 17
Manen PanNMLS 1006352
First Citizens Bank · Bank · Pasadena, CA · licensed in 32 states
- Vacation home
- Real estate investor
- Construction loan
- Down payment assistance
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- 18
John Robert PicinicNMLS 1102509
Highlands Residential Mortgage · Allen, TX · licensed in 7 states
- Vacation home
- FHA loan
- First-time buyer
- Real estate investor
- NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
Before you choose
Occupancy rules decide whether it is a second home or an investment property, which changes pricing and down payment.
- Will this qualify as a second home or an investment property?
- Can I rent it out part time and keep second home pricing?
- How do you treat short-term rental income?
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 (licensed since, per the regulator records we hold) 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=vacation-home&state=NJ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.