--- canonical_url: https://lendb.ai/s/condo/north-carolina last_verified: 2026-10-09 --- # Condo loan officers in North Carolina As of 2026-10-09, LenDb lists 22 loan officers licensed in or based in North Carolina whose lender pages show Condo work. The top-ranked are Jeffrey Zulauf (CrossCountry Mortgage, Suwanee), Maggie Mikaitis (CrossCountry Mortgage, Chicago) and Chad Lubben (CrossCountry Mortgage, Cornelius). Ranking is lender-neutral: specialty evidence first, then a license in NC, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 2. **[Maggie Mikaitis](https://lendb.ai/lo/maggie-mikaitis-1395394)** (NMLS 1395394), CrossCountry Mortgage, Chicago, IL - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 13 years of experience (lender page, 2026-10-09) 3. **[Chad Lubben](https://lendb.ai/lo/chad-lubben-447796)** (NMLS 447796), CrossCountry Mortgage, Cornelius, NC - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Cornelius, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 4. **[Karen Chiu](https://lendb.ai/lo/karen-chiu-611778)** (NMLS 611778), CrossCountry Mortgage, San Gabriel, CA - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 5. **[Tammy Frith](https://lendb.ai/lo/tammy-frith-190264)** (NMLS 190264), CrossCountry Mortgage, Destin, FL - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 6. **[David Fay](https://lendb.ai/lo/david-fay-513224)** (NMLS 513224), CrossCountry Mortgage, Lexington, MA - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 7. **[Vince Curcio](https://lendb.ai/lo/vincent-curcio-102096)** (NMLS 102096), First Heritage Mortgage - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 8. **[Brent Schreurs](https://lendb.ai/lo/brent-schreurs-212462)** (NMLS 212462), CrossCountry Mortgage, Tequesta, FL - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 9. **[Court Crofoot](https://lendb.ai/lo/court-crofoot-200175)** (NMLS 200175), CrossCountry Mortgage, Scottsdale, AZ - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) 10. **[Travis Blayton](https://lendb.ai/lo/travis-blayton-1493984)** (NMLS 1493984), CrossCountry Mortgage, Florence, SC - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 10 years of experience (lender page, 2026-10-09) 11. **[Tony Bardawil](https://lendb.ai/lo/antonio-bardawil-1638874)** (NMLS 1638874), CrossCountry Mortgage, Cleveland, OH - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 12. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 13. **[Lori Rousseau](https://lendb.ai/lo/lori-rousseau-506634)** (NMLS 506634), CrossCountry Mortgage, Alpharetta, GA - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 14. **[Tom Merritt](https://lendb.ai/lo/thomas-merritt-315449)** (NMLS 315449), CrossCountry Mortgage, Chicago, IL - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 15. **[Justin Bonura](https://lendb.ai/lo/justin-bonura-73184)** (NMLS 73184), CrossCountry Mortgage, Denville, NJ - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 16. **[Nick Kristoff](https://lendb.ai/lo/nicholas-kristoff-379253)** (NMLS 379253), CrossCountry Mortgage, Bluffton, SC - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 17. **[Tony Geraci](https://lendb.ai/lo/anthony-geraci-1886526)** (NMLS 1886526), CrossCountry Mortgage, Columbus, OH - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 18. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 19. **[Thomas Cragg](https://lendb.ai/lo/thomas-cragg-397342)** (NMLS 397342), JPMorgan Chase Bank (Chase Home Lending), Cary, NC - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Cary, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 20. **[Corey Johnson](https://lendb.ai/lo/corey-johnson-331544)** (NMLS 331544), CrossCountry Mortgage, Tequesta, FL - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 21. **[Kristina Kukurudza](https://lendb.ai/lo/kristina-kukurudza-420705)** (NMLS 420705), JPMorgan Chase Bank (Chase Home Lending), Mooresville, NC - Lists Condo on lender page (lender page, verified 2026-10-09) - Office in Mooresville, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 22. **[Christina Thluai](https://lendb.ai/lo/christina-thluai-1471916)** (NMLS 1471916), CrossCountry Mortgage, Indianapolis, IN - Lists Condo on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) ## Questions to ask - Is this project already approved or warrantable with your investors? - What documents do you need from the HOA, and who orders the condo questionnaire? - How do you handle a project with pending litigation or low reserves? Cite as: LenDb.ai, https://lendb.ai/s/condo/north-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._