---
canonical_url: https://lendb.ai/s/asset-based/ohio
last_verified: 2026-10-09
---

# Loan officers for borrowers who qualify on assets in Ohio

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Ohio whose lender pages show Asset-based qualifying work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Iris Legaspi (First Citizens Bank, San Diego) and William Commons (Assurance Financial, Baton Rouge). Ranking is lender-neutral: specialty evidence first, then a license in OH, 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)
   - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2012 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[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)
   - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 17 years of experience (lender page, 2026-10-09)
3. **[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)
   - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2019 (per Colorado records)
4. **[Michelle Krusmark](https://lendb.ai/lo/michelle-krusmark-2717683)** (NMLS 2717683), Xpert Home Lending
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Colorado records)

## 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/ohio.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._