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Edward Pascocello is a New Jersey mortgage banker and Division Manager of Luminate Bank’s Shrewsbury, NJ branch, serving homebuyers and homeowners throughout Monmouth County, Ocean County, and beyond.

Recognized as a Top 1% Mortgage Originator in the United States, Ed brings more than 30 years of experience in home financing, helping clients navigate everything from first-time purchases to complex loan scenarios.

Ed specializes in a wide range of mortgage solutions, including conventional mortgages, FHA loans, jumbo loans, non-QM financing, home equity lines of credit (HELOCs), and reverse mortgages. His comprehensive approach allows him to tailor loan options to each borrower’s financial goals, whether they are buying, refinancing, or leveraging home equity.

Based in Shrewsbury, New Jersey, Ed provides trusted local lending expertise throughout Monmouth County, including Shrewsbury, Middletown, Asbury Park, Neptune, Rumson, and Fair Haven. He also serves clients across Ocean County, including Brick, Toms River, Point Pleasant, and Bay Head.

Prior to joining Luminate Bank, Ed spent 13 years as a managing partner with a private mortgage banking firm, further strengthening his deep understanding of both loan origination and secondary market operations. His experience spans the entire lending process, from application through closing.

While Luminate Bank is licensed in all 50 states, Ed frequently works with borrowers in New Jersey, New York, Pennsylvania, Massachusetts, Connecticut, North Carolina, South Carolina, and Florida.

In addition to his lending expertise, Ed maintains a strong professional network of realtors, attorneys, college financial planners, and accountants, ensuring clients receive well-rounded guidance throughout the home financing process.

Ed holds a Bachelor of Science in Finance from La Salle University and an MBA in Finance from Saint Joseph’s University.

What areas does Ed Pascocello serve?

Ed Pascocello serves homebuyers and homeowners throughout New Jersey, with a strong focus on Monmouth County and Ocean County, including Shrewsbury, Middletown, Asbury Park, Toms River, and Point Pleasant. He is also licensed to help clients in multiple states nationwide.

What types of mortgage loans does Ed specialize in?

Ed offers a wide range of mortgage solutions, including conventional loans, FHA loans, jumbo mortgages, non-QM financing, home equity lines of credit (HELOCs), and reverse mortgages.

Ed is also proud to offer Value Assurance, an appraisal waiver program suited for buyers in competitive housing markets. 

Does Ed work with first-time homebuyers?

Yes. Ed frequently works with first-time homebuyers, guiding them through the mortgage process from pre-approval to closing and helping them understand their loan options with confidence.

Does Ed work with self-employed borrowers?

Yes. Ed has extensive experience with self-employed borrowers, offering a variety of Non-QM mortgage solutions.

Can Ed help with refinancing or home equity loans?

Yes. Ed assists homeowners with refinancing, cash-out refinances, and home equity options to help meet goals such as lowering monthly payments, consolidating debt, or accessing home equity.

Is Ed Pascocello licensed outside of New Jersey?

Yes. While based in New Jersey, Ed is licensed in multiple states and regularly helps borrowers across the country, depending on their financing needs.