Borrower situations · California
Loan officers for borrowers who qualify on assets in California
As of 2026-10-09, LenDb lists 26 loan officers licensed in or based in California whose lender pages show Asset-based qualifying work. The top-ranked are Olivia Cox Paulson (Guild Mortgage, Portland), Eric Rosemary (CrossCountry Mortgage, Boca Raton) and Brandon Hansen (Guild Mortgage, Toquerville). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 24
- 1
Olivia Cox PaulsonNMLS 209281
Guild Mortgage · Portland, OR · licensed in 5 states
- Asset-based qualifying
- First-time buyer
- Down payment assistance
- Jumbo loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 2
Eric RosemaryNMLS 301253
CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states
- Asset-based qualifying
- Bank statement loan
- DSCR loan
- Foreign national
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 3
Brandon HansenNMLS 283559
Guild Mortgage · Toquerville, UT · licensed in 11 states
- Asset-based qualifying
- Real estate investor
- Reverse mortgage
- Bank statement loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 4
Steve CrossmanNMLS 995551
CrossCountry Mortgage · McKinney, TX · licensed in 6 states
- Asset-based qualifying
- Bank statement loan
- DSCR loan
- Real estate investor
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 5
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- Asset-based qualifying
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 17 years experience (stated on lender page, 2026-10-09)
- 6
Evan SouzaNMLS 1675909
Xpert Home Lending · Sacramento, CA · licensed in 2 states
- Asset-based qualifying
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 8 years licensed
- 7
Rachel StevensNMLS 831678
Xpert Home Lending · licensed in 3 states
- Asset-based qualifying
- First-time buyer
- Jumbo loan
- Self-employed
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 8
Sam BromleyNMLS 1151654
Xpert Home Lending · licensed in 10 states
- Asset-based qualifying
- VA loan
- Real estate investor
- Bank statement loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 9
Debbi GalvanNMLS 190282
Xpert Home Lending · California
- Asset-based qualifying
- First-time buyer
- Real estate investor
- Self-employed
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- No disciplinary actions on file at LenDb
- 10
Emilee KeyNMLS 321609
Xpert Home Lending · California
- Asset-based qualifying
- Bank statement loan
- Construction loan
- Down payment assistance
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- No disciplinary actions on file at LenDb
- 11
Freddie RiboniNMLS 1965649
Loan Factory · California
- Asset-based qualifying
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- No disciplinary actions on file at LenDb
- 12
William CommonsNMLS 79745
Assurance Financial · Baton Rouge, LA · licensed in 36 states
- Asset-based qualifying
- Bank statement loan
- DSCR loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 13
Kane NavarroNMLS 1705907
Xpert Home Lending · licensed in 5 states
- Asset-based qualifying
- VA loan
- Bank statement loan
- Down payment assistance
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 14
Anthony G RegaNMLS 399203
Loan Factory · licensed in 5 states
- Asset-based qualifying
- Bank statement loan
- Construction loan
- DSCR loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 15
Denise McManusNMLS 1982222
Xpert Home Lending · licensed in 5 states
- Asset-based qualifying
- Non-QM loan
- Real estate investor
- Self-employed
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 16
Khang MaiNMLS 2158268
Loan Factory · California
- Asset-based qualifying
- Non-QM loan
- First-time buyer
- Real estate investor
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- No disciplinary actions on file at LenDb
- 17
Alex RamirezNMLS 450556
Xpert Home Lending · licensed in 5 states
- Asset-based qualifying
- VA loan
- Bank statement loan
- Down payment assistance
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 18
Renee KonstantineNMLS 1360025
C2 Financial Corporation · licensed in 2 states
- Asset-based qualifying
- FHA loan
- Reverse mortgage
- Jumbo loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
Sharif BasetNMLS 2820377
Loan Factory · Duluth, GA · licensed in 12 states
- Asset-based qualifying
- DSCR loan
- FHA loan
- Foreign national
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 20
Ram MishraNMLS 231417
Loan Factory · licensed in 6 states
- Asset-based qualifying
- Real estate investor
- Bank statement loan
- Construction loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 21
Sylvia Gomez-WakiNMLS 346737
- Asset-based qualifying
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 22
Trystan RobertsNMLS 2092515
Xpert Home Lending · California
- Asset-based qualifying
- FHA loan
- Jumbo loan
- Reverse mortgage
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- No disciplinary actions on file at LenDb
- 23
Susan YenNMLS 234178
Xpert Home Lending · licensed in 3 states
- Asset-based qualifying
- FHA loan
- Jumbo loan
- Reverse mortgage
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 24
Abby MontenegroNMLS 1085221
Loan Factory · licensed in 8 states
- Asset-based qualifying
- Recent credit event
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
Before you choose
Which accounts count, at what percentage, and over what term differs across lenders and programs.
- Which accounts count toward asset qualifying, and at what percentage?
- How do you calculate monthly income from my assets?
- Is this an agency or a non-QM program?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in CA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=asset-based&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.