Borrower situations · North Carolina
Loan officers for borrowers who qualify on assets in North Carolina
As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in North Carolina whose lender pages show Asset-based qualifying work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Mitchell Dunn (Loan Factory) and Alex Heath (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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 6
- 1
Eric RosemaryNMLS 301253
CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states
- Asset-based qualifying
- Bank statement loan
- DSCR loan
- Foreign national
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Mitchell DunnNMLS 1378534
Loan Factory · Mortgage broker · licensed in 5 states
- Asset-based qualifying
- DSCR loan
- Real estate investor
- Renovation loan (203k / HomeStyle)
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- States 15 years of experience (lender page, 2026-10-09)
- 3
Alex HeathNMLS 290072
Xpert Home Lending · Mortgage broker · licensed in 3 states
- Asset-based qualifying
- First-time buyer
- Real estate investor
- Reverse mortgage
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed since 2009 (per Colorado records)
- 4
Lekh SharmaNMLS 2503420
Guild Mortgage · High Point, NC · licensed in 4 states
- Asset-based qualifying
- First-time buyer
- Bank statement loan
- Construction loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Office in High Point, NC
- 5
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Asset-based qualifying
- Down payment assistance
- First-time buyer
- Jumbo loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- States 17 years of experience (lender page, 2026-10-09)
- 6
William CommonsNMLS 79745
Assurance Financial · Baton Rouge, LA · licensed in 36 states
- Asset-based qualifying
- Bank statement loan
- DSCR loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Colorado records)
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 are listed when a NC license is confirmed with the state regulator (check mark), NC is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=asset-based&state=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.