I have Master's Degree in Computer Science from Leningrad Polytechnic institute. But, since immigrating to USA in 1989, I devoted my life to providing financial services to my life long clients and their families. Since 1998, I have been working in the mortgage industry.  I love to help people achieve The American Dream - home ownership.  I love to play and coach tennis and spend time with my big family and friends.

VP of Mortgage Lending

Lenny Levsky is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Lenny is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Lenny at (973) 939-8672 for more information!

Lenny Levsky at Rate (NMLS #263854)

It was 1992... the Cold War had just ended, IBM introduced its first laptop and a younger version of "me" had just started a career in the mortgage industry.    That was nearly 30 years ago, and I can still remember the sense of fulfillment that came with helping clients achieve their dream of owning their own home. For me, that thrill never faded.  I still love what I do and I take pride in patiently educating people on the best way to navigate the mortgage process, from pre-loan approval all the way to closing. The joy on a customer's face when the keys to their new home are placed in their hands is simply priceless.  As an avid sports fan - and a former pitcher for my college team at Pace University - I know that it takes a dedicated team to accomplish any goal. By allowing me to be on your home buying team, I will bring my three decades of expertise to ensure that you make all of the smart decisions at all of the right times. There are certainly many options to choose from in the mortgage industry, but you owe it to yourself and your family to partner with a professional who can deliver for you when it's all on the line.  My area of specialty is in Renovation and Construction Lending, though I still handle traditional refinance and purchase lending.  These are the unique mortgage programs that help you get the exact house of your dreams, within your budget and your time frame.  Rather than take ownership of a home designed by someone else, you get the satisfaction of moving into your customized home on day one.  A home is where a family takes shape and dreams are made.  Some of my most cherished memories involve my two beautiful daughters running through our house and playing with our dogs.  Now, one is training to be a pilot in the Marine Corp and the other is studying pre-med in college.  Time really does go by in the blink of an eye.  Although I grew up in Westwood, NJ, today I call Ramsey my home (a space that I share with a big, goofy rescue dog named Enzo). I look forward to getting to know you and your family...to hearing what your goals are for home ownership...and to helping you find the perfect place to begin your next chapter.  *Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.

In 1992, the world was changing. The Cold War had just ended, IBM introduced its first laptop, and a younger version of myself was starting a career in the mortgage industry. Nearly three decades later, I still vividly remember the sense of fulfillment that came from helping clients achieve their dream of homeownership. That passion has never faded. I truly love what I do and take pride in patiently guiding people through the mortgage process—from pre-loan approval to closing. There's nothing quite like seeing the joy on a client's face when they receive the keys to their new home.


As a former Division 1 college pitcher and an avid sports fan, I know the importance of teamwork. Achieving any goal takes dedication and collaboration, and I'm here to be a key player on your home-buying team. With three decades of experience, I'll ensure you make the smartest decisions at every stage of the process. While the mortgage industry offers many options, choosing the right partner—someone who will deliver when it matters most—is crucial for your family's future.


My expertise lies in Renovation and Construction Lending, though I also handle traditional purchase and refinance loans. These specialized programs can help you create the home of your dreams within your budget and timeline. Instead of settling for a house designed by someone else, you can move into a space customized just for you. A home isn't just a building; it's where families grow, and dreams take shape. Some of my most cherished memories are of my two daughters running through our house and playing. Today, one is a Marine Corps captain flying helicopters, and the other is in medical school. Time truly does fly.


I call northern New Jersey home and look forward to learning about your family, understanding your homeownership goals, and helping you find the perfect place to start your next chapter. Together, we can make your dream home a reality.

Mark Slepian is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Mark is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mark at (973) 521-8365 for more information!

Mark Slepian at Rate (NMLS #90205)

I was happy to call the Mortgage Industry my home after graduating from Iona College in 1992. I quickly realized that I had found my second home. Over the past 26 years I have been a part of the Mortgage Industry, 18 of those years selling with a brief time away to grow my family.  My career started in 1992 and little did I know at the time that I was learning from the best, I am still lucky enough to work with some of the same people today. Integrity and respect are a deep part of my moral compass. With the connection and best interests of my clients we work together to successfully complete the Mortgage process and strive for perfection! Over the years I feel lucky to say that I've helped hundreds of people purchase their homes or re-finance their existing home. I am ecstatic to say that I am back in the biz and can once again help clients achieve their Mortgage goals.

Christine Zuidema is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Christine is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Christine at (973) 809-5246 for more information!

Christine Zuidema at Rate (NMLS #90201)

Jon Lamkin & The Lamkin Team have been originating loans for the past 24 years. Once again, he was named one of the top 1% mortgage bankers in the country by Mortgage Origination Magazine for the 14th year in a row and has been highlighted in the Scotsman Guide as one of the Top 100 originators in the country for 8 years running. Over the last 6 years Jon's team has funded over $1.4 Billion in loans and 2024 he surpassed over $200 Million. Jon's attention to detail and ability to get his clients to the closing table on time is what separates him from the competition. That's why homeowners, real estate agents, attorneys, financial planners, and CPAs turn to him to come through in the clutch when the stakes are high. Jon's management style and networking skills have established an unparalleled network of relationships which have allowed his business to grow each year. He is constantly looking for new programs that his clients can utilize to help them achieve both their long term and short-term financial goals. He resides in Short Hills, New Jersey with his wife Michelle & 3 daughters.

SVP/Area Manager

Jon Lamkin is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jon is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jon at (973) 219-9282 for more information!

Jon Lamkin at Rate (NMLS #143207)

Jack Ma is strategic, passionate, and confident in his team delivering a seamless mortgage experience with best in class service. He has been in the Mortgage Industry since 2003 when he graduated from Rutgers College with double majors in Economics and Psychology. Over the years he has been awarded numerous President's Club recognition from his previous employer,as a top performer. Jack’s attention to detail, out of the box thinking, and ability to come through in the clutch, has earned him trust and referrals from real estate agents, attorneys, and past clients. In his spare time, he enjoys coaching his kid's AAU basketball teams, watching his daughter and son rip it down the mountains on family snowboarding trips, and hitting the golf course.

Jack Ma is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jack is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jack at (201) 225-8406 for more information!

Jack Ma at Rate (NMLS #271002)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Vice President of Mortgage Lending

Jeff Greenberg is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jeff is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jeff at (973) 939-8667 for more information!

Jeff Greenberg at Rate (NMLS #11624)

My goal is to simplify the mortgage process for my customers and make the home loan process easy to understand. I thoroughly educate my borrowers throughout the mortgage transaction and by being honest, open, and transparent throughout the loan process, borrowers feel comfortable every step of the way. My knowledge in lending guidelines for Conventional, Jumbo, FHA, and VA loans has proved valuable to my borrowers looking for home purchase financing and potentially saving money on refinances.  The digital mortgage platform at Rate is industry leading and I always recommend my customers utilize it and all of the tools on Rate.   Peter truly enjoys assisting customers and helping them find their dream homes!   Savings, if any, vary based on consumer’s credit profile, interest rate availability, and other factors. Contact Rate, Inc. for current rates. Restrictions apply.

AVP of Mortgage Lending

Peter Grabarits is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Peter is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Peter at (973) 521-8340 for more information!

Peter Grabarits at Rate (NMLS #1299691)

Barbara Scalera has been in the mortgage industry for over 30 years. She is currently employed with Rate as VP of Mortgage Lending. Previously, Barbara has held positions as the Licensing Officer, VP of Training & Development, and VP of Business & Development. Rate is one of the largest non-bank lenders in the US and is a pioneer in the digital mortgage industry. They are uniquely positioned to drive mortgage volume and revenue through their innovative products and services. GR takes pride in the process by listening and fully understanding the needs of their clients. This allows them to recommend the most suitable programs and provide exceptional and memorable service for everyone.





Barbara resides in northern New Jersey with her husband, Mike, and two children. She enjoys bike riding, tennis, and relaxing with her family. She can be reached at barbara.scalera@rate.com or 973-713-8269.

Barbara Scalera is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Barbara is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Barbara at (973) 713-8269 for more information!

Barbara Scalera at Rate (NMLS #1718764)

I look forward to putting my experience to work for you! I strive to offer the best mortgage products and services in the industry directly to you. By combining our digital capabilities with personal service, I am confident we can develop the best mortgage solution for you, whether you�re a first time homebuyer or refinancing your existing home.

Branch Manager

Tony Nardini is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tony is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tony at (973) 882-3200 for more information!

Tony Nardini at Rate (NMLS #204877)

Rishi Desai is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Rishi is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Rishi at (201) 402-6333 for more information!

Rishi Desai at Rate (NMLS #1211801)

Matt Evans is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Matt is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Matt at (973) 492-0117 for more information!

Matt Evans at Rate (NMLS #2110800)

Frank Dolce Jr is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Frank is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Frank at (973) 222-6184 for more information!

Frank Dolce Jr at Rate (NMLS #2104146)

Production Manager

Jim Viotto is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jim is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jim at (609) 481-3638 for more information!

Jim Viotto at Rate (NMLS #75391)

From the first time home buyer to the sophisticated jumbo borrower or an investor; Susan will provide exceptional service with a personal touch. We will guide you through the mortgage process step by step to ensure you understand the options available to fit your individual needs. If you are thinking of purchasing a new home, investing in a multi-family property or simply refinancing your current home, call Susan today!


*By refinancing, you may pay more in costs and interest over the extended term.*

Susan Linnen is your East Hanover local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Susan is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Susan at 201-618-1052 for more information!

Susan Linnen at Rate (NMLS #138041)

With over 20 plus years of combined experience in corporate leadership, real estate, and mortgage lending, I bring a unique and comprehensive perspective to the home-buying journey. This foundation has equipped me with the ability to manage complex processes, build strong client relationships, and deliver results with precision and efficiency.  
I take pride in helping clients achieve their financing goals with the support of Rates unparalleled technology and commitment to low rates.  
As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing.  
Outside of work, I enjoy cross fit, golfing and traveling, when possible, back to my native Ireland.  
Whether you're buying your first home, upgrading, refinancing, or exploring investment opportunities, I'm here to offer expert guidance, personalized solutions, and unwavering support.

Conor Kilgannon is your Millburn local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Conor is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Conor at (973) 929-6000 for more information!

Conor Kilgannon at Rate (NMLS #2662910)

Millburn

<section class="footer" style>
    <div class="footer__topDivider">
        <div class="footer__linkpacK">
            <div class="footer__linkpack__column">
                <p><strong>Manage your mortgage</strong></p>
                <ul>
                    <li><a title="footer: sign into your account" href="https://login.rate.com/" data-track="mortgageFooterNav-signin" rel="nofollow" target="_self">Sign in to your account</a></li>
                    <li><a title="footer: pay your mortgage" href="/servicing" data-track="mortgageFooterNav-pay-mortgage" rel="nofollow" target="_self">Pay your mortgage</a></li>
                    <li><a title="footer: contact us" href="/contact-us" data-track="guaranteedrateFooterNav-contact-us" rel="nofollow" target="_self">Contact us</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>About us</strong></p>
                <ul>
                    <li><a title="footer: about Rate" href="https://www.rate.com/about-us" data-track="guaranteedrateFooterNav-about-us" rel="nofollow" target="_self">Overview</a></li>
                    <li><a title="footer: our core values" href="https://www.rate.com/about-us/core-values" data-track="guaranteedrateFooterNav-corevalues" rel="nofollow" target="_self">Core values</a></li>
                    <li><a title="footer: leadership" href="https://www.rate.com/about-us/leadership" data-track="guaranteedrateFooterNav-leadership" rel="nofollow" target="_self">Leadership</a></li>
                    <li><a title="footer: press" href="https://www.rate.com/news" data-track="guaranteedrateFooterNav-press" rel="nofollow" target="_self">Press</a></li>
                    <li><a title="footer: Our Foundation" href="https://www.rate.com/about-us/gr-foundation" data-track="guaranteedrateFooterNav-foundation" rel="nofollow" target="_self">Our Foundation</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Careers</strong></p>
                <ul>
                    <li><a title="footer: loan officer careers" href="https://www.rate.com/careers/loan-officers" data-track="guaranteedrateFooterNav-loan-officers" rel="nofollow" target="_self">Loan officers</a></li>
                    <li><a title="footer: careers at GR operations" href="https://www.rate.com/careers/operations" data-track="guaranteedrateFooterNav-operations" rel="nofollow" target="_self">Operations</a></li>
                    <li><a title="footer: careers at GR tech" href="https://www.rate.com/careers/gr-tech" data-track="loantypesFooterNav-gr-tech" rel="nofollow" target="_self">Tech</a></li>
                    <li>
                        <a title="footer: all open positions at Rate" href="https://www.rate.com/careers/open-positions" data-track="guaranteedrateFooterNav-all-open-positions" rel="nofollow" target="_self">All open positions</a>
                    </li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Websites</strong></p>
                <ul>
                    <li><a title="footer: GR insurance" href="https://www.rate.com/insurance" data-track="guaranteedrateFooterNav-Insurance" target="_blank">Rate Insurance</a></li>
                    <li><a title="footer: advocus title" href="https://advocustitle.com/" data-track="guaranteedrateFooterNav-Advocus-Title" target="_blank">Advocus Title</a></li>
                    <li><a title="footer: agent advantage" href="https://agents.rate.com/" data-track="guaranteedrateFooterNav-Agent-Advantage" target="_blank">Agent Advantage</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Connect with us </strong></p>
                <p>
                    <a class="footer__linkpack__social" aria-label="social-youtube" href="https://www.youtube.com/@Rate_Official"><i data-testid="font-icon" class="rc-font-icon font-icons-social-youtube " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-instagram" href="https://www.instagram.com/rate_official/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-instagram " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-linkedin" href="https://www.linkedin.com/company/rate-official/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-twitter" href="https://x.com/Rate_Mortgages"><i data-testid="font-icon" class="rc-font-icon font-icons-social-twitter " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-facebook" href="https://www.facebook.com/official.Rate"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a>
                </p>
            </div>
        </div>
        <div class="footer__griLinks">
            <div class="footer__grLinks__links">
                <p>
                    <a title="footer: accessibility" href="https://www.rate.com/accessibility" data-track="footerFullWidthMenu1-accessibility" rel="nofollow" target="_self">Accessibility</a> |
                    <a title="footer: licensing" href="https://www.rate.com/licensing" data-track="footerFullWidthMenu1-licensing" rel="nofollow" target="_self">Licensing</a> |
                    <a title="footer: notice to vendors" href="https://www.rate.com/notice-to-vendor" data-track="footerFullWidthMenu1-notice-to-vendors" rel="nofollow" target="_self">Notice to Vendors</a> |
                    <a title="footer: privacy policies" href="https://www.rate.com/privacy" data-track="footerFullWidthMenu1-privacy-policies" rel="nofollow" target="_self">Privacy Policies</a> |
                    <a title="footer: sms terms " href="https://www.rate.com/sms-terms" data-track="footerFullWidthMenu1-sms-terms" rel="nofollow" target="_self">SMS Terms</a> |
                    <a title="footer: terms of use" href="https://www.rate.com/terms" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">Terms of Use</a> |
<a title="footer: DNC" href="https://dih4lvql8rjzt.cloudfront.net/cms/aef46f19-6a80-4a9d-8d50-e4d06e89b8a1_GR-DNC-Consumer-Policy.pdf" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">DNC</a> |
                    <a title="footer: nmls consumer access" href="http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611" data-track="footerFullWidthMenu1-nmls-consumer-access" rel="nofollow" target="_self">
                        NMLS Consumer Access
                    </a>
                </p>
            </div>
            <div class="footer__grLinks__logo">
                <p>
                    <a href="/">
                        <img
                            alt="Rate Logo"
                            data-src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte08c31bfeb347f39/65027cfd9bcd1bdc631d027c/5min_rateLogo.svg"
                            src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte08c31bfeb347f39/65027cfd9bcd1bdc631d027c/5min_rateLogo.svg"
                            width="98"
                        />
                    </a>
                </p>
            </div>
        </div>
        <div class="footer__disclaimerLinks">
            <p>
                <a href="https://www.rate.com/delaware-licensed-loan-officers" data-track="footerFullwidthMenu2-delaware-licensed" target="_self">Delaware Licensed Loan Officers</a> |
                <a href="https://www.rate.com/texas-consumers-how-to-file-complaint" data-track="footerFullwidthMenu2-texas-consumers" target="_self">Texas Consumers: How to file a complaint</a> |
                <a href="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029" data-track="footerFullwidthMenu2-do-not-sell" target="_self">
                    Do not sell my personal information
                </a>
            </p>
            <p class="footer__disclaimerText">
                Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
            </p>
<p>
Guaranteed Rate, Inc. d/b/a/ Rate may choose to recommend Rate Insurance, LLC. Guaranteed Rate, Inc. d/b/a/ Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC.
</p>
<p>
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. 
</p>
<p>
Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply.
</p>
        </div>
        <div class="footer__housinglogo">
            <p>
                <img
                    alt="Equal Housing Lender Badge"
                    data-src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    width="136"
                    height="29"
                    style="width: 136px; height: 29px;"
                />
            </p>
        </div>
        <div class="footer__grInfo">
            <p>
                Copyright © 2025 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved.<br />
                NMLS License #2611 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />
Arizona Mortgage Banker License #0907078<br />
                3940 N. Ravenswood Ave Chicago, IL 60613 
<br>
Operating as Guaranteed Rate, Inc. in New York.
<br>
The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.
            </p>
        </div>
    </div>
</section>


15 Loan Officers in Millburn, NJ