Kristina Ruggiero Photo

Kristina Ruggiero

Title: Loan Officer
NMLS #: 1132002
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"The Ruggiero Team"

Together with my husband John, we bring over 40yrs of mortgage experience to TAM Lending. We have helped thousands of customers and have provided over a billion dollars in mortgage loans to our clients. We pride ourselves on being experts in all aspects of the mortgage lending process.

My primary goal is to provide exceptional customer service and guidance to each of my clients. Our thorough knowledge of the mortgage guidelines and products will ensure that you are always provided with the right information when deciding which mortgage product best suits the needs of you and your family.

I welcome the opportunity to work with you and to provide you with the best possible service the industry has to offer.

                                                                                                                                                     Kristina Ruggiero

Welcome To TAM Lending Center, Inc

TAM Lending Center, Inc., (TAM) has over 50 years of combined experience in all aspects of residential mortgage lending. TAM is a licensed mortgage banker in New Jersey, Pennsylvania, Delaware and Florida.

Our independence as a mortgage banker means we have the ability to offer rates, terms and flexibility other lenders can't. Each client, each day, is a new opportunity to build our reputation and invest our years of expertise by guiding our customers through today's challenging home financing decisions. Be it a purchase of a home, debt consolidation, refinance, investment or second home, let TAM Lending help you with all of your residential financing needs.


Use the equity in your home to lower your rate or term, consolidate high-interest debt, finance home improvements or access funds and use the money as you wish. You can consolidate debt and other loans into one lower monthly payment, saving you hundreds of dollars a month!

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VA Loans

VA guaranteed loans are made by lenders and guaranteed against payment default by the US Government. The biggest advantage of the VA Loan program is that the borrower can purchase a home with zero down.

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