get ready for

A lending team that’s focused on you.

Charles Shulman is a highly experienced mortgage professional with over 35 years of residential lending expertise, helping borrowers secure smart financing solutions since 1991. 

As a mortgage loan officer with Luminate Bank, Charles specializes in complex borrower scenarios, Non-QM loans, and financing strategies for self-employed clients.

Throughout his career, Charles has funded more than $2 billion in residential mortgage loans and continuously ranks among the top 1% of mortgage originators nationwide. He was recognized by Mortgage Originator Magazine as one of America’s “Top 200 Loan Originators” from 2000–2016.

Before joining Luminate Bank in 2025, Charles spent over two decades with NJ Lenders Corp, where he became a partner in 2000. His business is built almost entirely on referrals from attorneys, real estate professionals, accountants, and past clients.

Mortgage Expertise

Charles helps borrowers navigate even the most complex financial situations, including:

• Non-QM loan programs
• Financing for self-employed borrowers
• Complex income and asset scenarios
• High-net-worth transactions

With a CPA license and a strong financial background, Charles is uniquely equipped to analyze tax returns, business income, and financial structures to help clients find the best mortgage solution for their goals.

Areas Served

Charles provides mortgage services across all 50 states and key markets, including:

• New Jersey
• Bergen County, Essex County, Morris County, Wyckoff
• New York
• Florida
• Palm Beach County, Delray Beach, Boynton Beach

He stays at the forefront of industry changes by attending regional and national mortgage conferences and continuously studying evolving lending guidelines.

Education & Credentials

• Certified Public Accountant (CPA)
• Bachelor of Science in Business Administration, University of Vermont

Outside the Office

When he’s not helping clients secure financing, Charles enjoys golf, skiing, ice hockey, chess, travel, and spending time with his family.

If your financial situation is complex, Charles believes that’s where his expertise makes the biggest difference — the more complex the borrower, the better.

What types of mortgage loans does Charles Shulman specialize in?

Charles specializes in Non-QM loans, mortgages for self-employed borrowers, complex income scenarios, and residential purchase and refinance loans. He is particularly experienced in helping clients with unique financial situations.

How long has Charles Shulman been a mortgage loan officer?

Charles has been originating residential mortgages since 1991 and has over 35 years of experience in the mortgage industry.

What makes Charles Shulman different from other loan officers?

Charles is a licensed CPA with deep financial expertise and has funded more than $2 billion in residential loans. He specializes in complex borrower situations and has consistently ranked among the top 1% of mortgage originators nationwide.

Where does Charles Shulman offer mortgage services?

Charles serves borrowers in all 50 states, but has local expertise in New Jersey, New York, and Florida, including Bergen County, Essex County, Morris County, Palm Beach County, Wyckoff, NJ, Delray Beach, FL, and Boynton Beach, FL.

Does Charles Shulman help self-employed borrowers get mortgages?

Yes. Charles specializes in helping self-employed clients qualify for mortgages, including those with complex tax returns, business income, or nontraditional financial documentation.

What is a Non-QM mortgage loan?

A Non-QM (Non-Qualified Mortgage) loan is designed for borrowers who may not meet traditional lending guidelines, such as self-employed individuals or those with unique income structures. Charles helps clients determine if a Non-QM loan is the right solution.

How can I work with Charles Shulman at Luminate Bank?

You can contact Charles through Luminate Bank to discuss your mortgage goals, financing options, or complex borrowing needs.