--- canonical_url: https://lendb.ai/s/vacation-home/new-jersey last_verified: 2026-10-09 --- # Vacation home loan officers in New Jersey As of 2026-10-09, LenDb lists 16 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. ## Ranked, with reasons 1. **[Matthew Ward](https://lendb.ai/lo/matthew-ward-236356)** (NMLS 236356), JPMorgan Chase Bank (Chase Home Lending), Brick, NJ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Brick, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 2. **[Robert Caravella](https://lendb.ai/lo/robert-caravella-483409)** (NMLS 483409), JPMorgan Chase Bank (Chase Home Lending), Jersey City, NJ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Jersey City, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 3. **[Harrison Sangster](https://lendb.ai/lo/harrison-sangster-1832888)** (NMLS 1832888), CrossCountry Mortgage, Lake Placid, NY - Lists Vacation home 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) 4. **[Mark DeGenova](https://lendb.ai/lo/mark-degenova-854422)** (NMLS 854422), JPMorgan Chase Bank (Chase Home Lending), Cape May Court House, NJ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Cape May Court House, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2022 (per Florida records) 5. **[Mauricio Rojas](https://lendb.ai/lo/mauricio-rojas-39350)** (NMLS 39350), JPMorgan Chase Bank (Chase Home Lending), Jersey City, NJ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Jersey City, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 6. **[Carlos Zuniga](https://lendb.ai/lo/carlos-zuniga-70042)** (NMLS 70042), JPMorgan Chase Bank (Chase Home Lending), Madison, NJ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Madison, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 7. **[Stuart Greenbaum](https://lendb.ai/lo/stuart-greenbaum-279221)** (NMLS 279221), JPMorgan Chase Bank (Chase Home Lending), Teaneck, NJ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Teaneck, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 8. **[Salvador Aguia](https://lendb.ai/lo/salvador-aguia-420568)** (NMLS 420568), JPMorgan Chase Bank (Chase Home Lending), Bergenfield, NJ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Bergenfield, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 9. **[Rachel Velez](https://lendb.ai/lo/rachel-velez-624065)** (NMLS 624065), JPMorgan Chase Bank (Chase Home Lending), Ridgewood, NJ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Ridgewood, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 10. **[John R Sarracco](https://lendb.ai/lo/john-r-sarracco-136429)** (NMLS 136429), JPMorgan Chase Bank (Chase Home Lending), Wayne, NJ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Wayne, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 11. **[Joseph McGuckin Jr.](https://lendb.ai/lo/joseph-mcguckin-jr-179174)** (NMLS 179174), JPMorgan Chase Bank (Chase Home Lending), Woodbury, NJ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Woodbury, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 12. **[Lisa Schade](https://lendb.ai/lo/lisa-schade-404217)** (NMLS 404217), JPMorgan Chase Bank (Chase Home Lending), Freehold, NJ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Freehold, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 13. **[Harry Slifer](https://lendb.ai/lo/harry-slifer-481404)** (NMLS 481404), JPMorgan Chase Bank (Chase Home Lending), Princeton, NJ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Princeton, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Mike Hudak](https://lendb.ai/lo/mike-hudak-598480)** (NMLS 598480), JPMorgan Chase Bank (Chase Home Lending), Upper Montclair, NJ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Upper Montclair, NJ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 15. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC - Lists Vacation home 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) 16. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists Vacation home 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) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/vacation-home/new-jersey. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._