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

# Loan officers for borrowers who qualify on assets in Virginia

As of 2026-10-09, LenDb lists 9 loan officers licensed in or based in Virginia whose lender pages show Asset-based qualifying work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Ronald Atamian (CrossCountry Mortgage, Allentown) and Iris Legaspi (First Citizens Bank, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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 VA (listed on lender page, verified 2026-10-09)
   - 14 years licensed
2. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Licensed in VA (listed on lender page, verified 2026-10-09)
   - 5 years licensed
3. **[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 VA (listed on lender page, verified 2026-10-09)
   - 17 years experience (stated on lender page, 2026-10-09)
4. **[Lekh Sharma](https://lendb.ai/lo/lekh-sharma-2503420)** (NMLS 2503420), Guild Mortgage, High Point, NC
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Licensed in VA (listed on lender page, verified 2026-10-09)
5. **[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 VA (listed on lender page, verified 2026-10-09)
   - 7 years licensed
6. **[Jeri Shoop](https://lendb.ai/lo/jeri-shoop-224331)** (NMLS 224331), Xpert Home Lending
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Licensed in VA (listed on lender page, verified 2026-10-09)
7. **[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 VA (listed on lender page, verified 2026-10-09)
   - 0 years licensed
8. **[Ravi K Bansal](https://lendb.ai/lo/ravi-k-bansal-2840451)** (NMLS 2840451), Loan Factory, Seattle, WA
   - Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
   - Licensed in VA (listed on lender page, verified 2026-10-09)
   - 0 years licensed
9. **[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 VA (listed on lender page, verified 2026-10-09)

## 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/virginia.

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