--- canonical_url: https://lendb.ai/s/asset-based/california last_verified: 2026-10-09 --- # Loan officers for borrowers who qualify on assets in California As of 2026-10-09, LenDb lists 23 loan officers licensed in or based in California whose lender pages show Asset-based qualifying work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Olivia Cox Paulson (Guild Mortgage, Portland) 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. ## Ranked, with reasons 1. **[Eric Rosemary](https://lendb.ai/lo/eric-rosemary-301253)** (NMLS 301253), CrossCountry Mortgage, Boca Raton, FL - 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 2. **[Olivia Cox Paulson](https://lendb.ai/lo/olivia-cox-paulson-209281)** (NMLS 209281), Guild Mortgage, Portland, OR - 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 3. **[Brandon Hansen](https://lendb.ai/lo/brandon-hansen-283559)** (NMLS 283559), Guild Mortgage, Toquerville, UT - 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. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - 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) - No disciplinary actions on file at LenDb 5. **[Evan Souza](https://lendb.ai/lo/evan-souza-1675909)** (NMLS 1675909), Xpert Home Lending, Sacramento, CA - 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 - No disciplinary actions on file at LenDb 6. **[Rachel Stevens](https://lendb.ai/lo/rachel-stevens-831678)** (NMLS 831678), Xpert Home Lending - 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 7. **[Sam Bromley](https://lendb.ai/lo/samuel-bromley-1151654)** (NMLS 1151654), Xpert Home Lending - 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 8. **[Debbi Galvan](https://lendb.ai/lo/debbi-galvan-190282)** (NMLS 190282), Xpert Home Lending, CA - 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 9. **[Emilee Key](https://lendb.ai/lo/emilee-key-321609)** (NMLS 321609), Xpert Home Lending, CA - 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. **[Freddie Riboni](https://lendb.ai/lo/ferdinando-riboni-1965649)** (NMLS 1965649), Loan Factory, CA - 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. **[William Commons](https://lendb.ai/lo/william-commons-79745)** (NMLS 79745), Assurance Financial, Baton Rouge, LA - 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 12. **[Kane Navarro](https://lendb.ai/lo/matthew-navarro-1705907)** (NMLS 1705907), Xpert Home Lending - 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 13. **[Anthony G Rega](https://lendb.ai/lo/anthony-rega-399203)** (NMLS 399203), Loan Factory - 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 14. **[Denise McManus](https://lendb.ai/lo/denise-mcmanus-1982222)** (NMLS 1982222), Xpert Home Lending - 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 15. **[Khang Mai](https://lendb.ai/lo/khang-mai-2158268)** (NMLS 2158268), Loan Factory, CA - 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 16. **[Alex Ramirez](https://lendb.ai/lo/alexis-ramirez-450556)** (NMLS 450556), Xpert Home Lending - 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 17. **[Renee Konstantine](https://lendb.ai/lo/renee-konstantine-1360025)** (NMLS 1360025), C2 Financial Corporation - 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 18. **[Sharif Baset](https://lendb.ai/lo/sharif-baset-2820377)** (NMLS 2820377), Loan Factory, Duluth, GA - 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 19. **[Ram Mishra](https://lendb.ai/lo/ram-mishra-231417)** (NMLS 231417), Loan Factory - 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 20. **[Sylvia Gomez-Waki](https://lendb.ai/lo/sylvia-gomez-waki-346737)** (NMLS 346737), Xpert Home Lending - 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. **[Trystan Roberts](https://lendb.ai/lo/trystan-roberts-2092515)** (NMLS 2092515), Xpert Home Lending, CA - 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 22. **[Susan Yen](https://lendb.ai/lo/susan-yen-234178)** (NMLS 234178), Xpert Home Lending - 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 23. **[Abby Montenegro](https://lendb.ai/lo/abby-montenegro-1085221)** (NMLS 1085221), Loan Factory - 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 ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/asset-based/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._