Our team
Joseph Garjian
President and Founder
(617) 302-4081
jgarjian@neloans.com
National Mortgage License (NMLS) #34343
MA Mortgage Business Broker License #MB527601
Mortgages are complicated. Working with us shouldn't be.
Joe Garjian knows mortgages inside and out — and knows they don't have to be a headache. His approach is simple: cut through the jargon, skip the corporate runaround, and find financing solutions that actually make sense.
A graduate of Northeastern University with honors, Joe began his career as a Loan Officer, advanced to Vice President at two mortgage companies, and eventually decided there was a better way to do business. That's how Northeastern Mortgage was born.
His philosophy? Keep it simple, be straight with people, and get things done.
Having worked in nearly every corner of the mortgage business — from originating and processing loans to running the entire operation — Joe understands that there's a lot more to a mortgage than finding a good interest rate. Sometimes the easy loans aren't so easy, and sometimes the complicated ones just need someone willing to think outside the box.
As an independent mortgage broker, Joe works with multiple wholesale lenders to give clients more options, competitive financing, and fewer one-size-fits-all answers. No unnecessary sales pitches, no confusing mortgage jargon — just straightforward advice and a commitment to getting things done.
When he's not working on mortgages, Joe is usually busy coaching, watching his kids play hockey, lacrosse, or football, or spending time with his wife, Nicole, and their three children.
Osemwengie Skelly Enabulele Sr.
Senior Loan Officer
National Mortgage License (NMLS) #375281
skelly@nealoans.com
(617) 290-1307
Skelly has been a valuable member of the Northeastern Mortgage team since 2012. Located on the south shore he works closely in Norfolk, Suffolk, Plymouth counties as well as the entire state of Massachusetts.
Working with Us!
Personal Service – You're a person, not a loan number.
We're a small, independent mortgage brokerage where you'll work directly with experienced professionals who know your name, understand your goals, and are there when you need us.
Experience Matters – We've been around the mortgage block.
With decades of mortgage lending experience, we know how to navigate the process, tackle challenges, and help you make informed decisions without all the confusing mortgage jargon.
Fast & Efficient – Less paperwork, fewer headaches.
We use modern technology to keep the process moving, communicate clearly, and make getting a mortgage as straightforward and stress-free as possible.
More Options – One application, multiple lenders.
Unlike a bank that's limited to its own loan programs, we work with a network of wholesale lenders to find competitive rates and financing options that fit your needs. We shop the lenders so you don't have to!
(Cynthia) Xing Ling Huang
Vice President Sales / Sr. MLO
National Mortgage License (NMLS) #1897217
chuang@neloans.com
(857) 991-7413
WeChat: Xingling818
Cynthia has over 10 years experience in finance and accounting and about four years of experience in Real Estate. She graduated from University of Massachusetts Amherst with a degree in Accounting and IT. She fluently speaks Chinese. Located on the south shore she works closely with Quincy, Braintree, Weymouth, Hingham and beyond.
Licensed Mortgage Loan Originator (MLO)
Work From Home. Set Your Own Schedule. No Quotas. No Corporate Nonsense.
Tired of mandatory sales meetings, production quotas, and someone asking how many calls you've made today?
Neither are we.
Northeastern Mortgage LLC is looking for licensed Massachusetts Mortgage Loan Originators who want the freedom to work their own way. Whether you're an established full-time producer or an experienced MLO looking to originate a few loans on the side, we'd love to hear from you.
We're a small, independent mortgage brokerage where we believe experienced professionals don't need someone looking over their shoulder.
What We Offer
Work from anywhere in Massachusetts. Your home office, kitchen table, or wherever you're most productive.
Full-time or part-time. Close two loans a year or twenty. We're happy either way.
Set your own hours. Early bird? Night owl? We don't care, as long as your clients are taken care of.
No production quotas. Seriously. None.
Competitive commission compensation. We understand the value of an established originator and the business they bring.
Multiple wholesale lending partners. Conventional, FHA, VA, jumbo, non-QM, investment properties, and specialty financing.
ARIVE loan origination platform. Never used it? No problem. We'll train you.
Processing assistance available. Prefer handling your own files? Great. Need some help? We can work with that.
Direct access to ownership. No layers of management or corporate red tape.
What We're Looking For
An active Massachusetts MLO license is required.
Mortgage origination experience and a working knowledge of conventional and government loan programs.
Existing referral relationships or a client base, whether you're actively producing or looking to get back into the business.
Someone who is organized, dependable, and knows how to take care of clients.
The ability to originate and manage loan files, with training and processing support available.
A good sense of humor wouldn't hurt.
A Little About Us
We're not trying to build a call center, track your every move, or make you sit through motivational sales meetings.
We're an independent mortgage brokerage that believes in giving good loan originators the tools, flexibility, and support to do what they do best.
Want to build a substantial pipeline? Fantastic.
Want to originate a handful of loans each year while enjoying the flexibility of working from home? That works too.
Bottom line: We care about happy clients and properly closed loans, not how many hours you spend sitting at a desk.
Interested?
Send us a resume or a quick introduction about your mortgage experience. No need for a three-page cover letter explaining why you're passionate about mortgages.
We look forward to hearing from you!
Northeastern Mortgage LLC
Massachusetts Licensed Mortgage Broker
NMLS #527601
jgarjian@neloans.com
www.neloans.com