As the Vice President for Lending to Heroes Jeff is responsible for developing and maintaining the long-term, trusting relationships with leaders in hero organizations.  He is recognized with the highest civilian honor in the State of New Jersey, a silver card from the State PBA and is a member of the NJ Honor Legion Executive Board. In 2015, he received the Valor Award in NJ for his ongoing support of law enforcement and is known throughout the nation for his unquestionable support for American Heroes.  Jeff has over 24 years experience in the mortgage industry and is an expert in all aspects of home financing. 


Contact Jeff Rosen:  jrosen@unitednorthern.com 

Embarking upon a career as a mortgage loan originator, Patrick set out with the goal of making a positive change in people's lives and assisting those in need. He achieves this goal by taking a consultative approach to the home loan process by customizing each home financing solution to help customers achieve their financial goals. He is excited to be a part of the Lending to Heroes team and to have the opportunity to provide an exceptional service to veterans, law enforcement, firefighters, teachers, healthcare, and municipal workers.


Contact Patrick Gibson:  pjgibson@unitednorthern.com


Lending to Heroes is a lending platform of:

Joe has proudly served in law enforcement for the past 21 years and is excited to be South Jersey’s representative for Lending to Heroes. He believes that those who serve their communities deserve special attention and recognition and he is looking forward to providing excellent, hands on customer service to those who have done so much for all of us in law enforcement, veterans, firefighters, teachers, healthcare and municipal workers and their families. As a mortgage loan originator, Joe is skilled in all facets of mortgage lending and financing. He works relentlessly to find the most suitable lending program to accommodate you and your family’s needs. Joe lives in south Jersey with his wife Catherine and their 2 daughters, Riley and Alyssa.  


Contact Joe Sullivan:  jsullivan@unitednorthern.com


Debbie Rosen, MBA
Managing Director

NMLS# 1696344

​855-MTG-HERO

Your Lending to America's Heroes Team 

 Website authorization by the New York State Department of Financial Services is Pending.  Until this website is authorized, no mortgage loan application for properties located in New York State  will be accepted through this site.  Please call to submit an application in New York State

Jeff Rosen
Vice President
NMLS# 210672

Patrick Gibson 

Mortgage Loan Originator

NMLS #1696117

Alisa Smith

Marketing Manager

Contact Us

Debbie Rosen is a highly accomplished and visionary business executive with a longstanding history of success in corporate strategy, business development, acquisition strategy and integration, operational leadership, product innovation, and cultural transformation.   Prior to joining Lending to Heroes she spent nine years as Senior Vice President of Strategy and Physician & Employee Services at Press Ganey Associates. Previously she served in senior executive and leadership roles in the healthcare industry including Global Practice Leader, Healthcare for The Gallup Organization, Assistant Vice President for Strategic Improvement with Robert Wood Johnson University Hospital–Hamilton, recipient of the 2004 Malcolm Baldrige National Quality Award, Director of Cardiopulmonary Services and Performance Improvement with Bon Secours Health System, and strategic advisor to the Inspector General of Health & Human Services of the US.    Ms. Rosen has a master’s degree in business administration from Ellis College of NYIT, is a licensed mortgage loan originator, master black belt in six sigma and has various certifications in human behavior and business performance. 


Contact Debbie Rosen: drosen@unitednorthern.com

Joseph Sullivan 

Mortgage Loan Originator

NMLS# 1760429

Prior to joining Lending To Heroes, Alisa was responsible for successfully marketing all golf courses across the Myrtle Beach area and managing major golf promotions and events. She is a leader in innovative marketing strategies and client relations. Alisa is known for always giving a helping hand and strives to build and maintain great relationships.


Contact Alisa Smith:  asmith@unitednorthern.com