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Loan programs · Alabama

DSCR loan officers in Alabama

As of 2026-10-09, LenDb lists 11 loan officers licensed in or based in Alabama whose lender pages show DSCR loan work. The top-ranked are Wendy Seagle (CrossCountry Mortgage, Fort Walton Beach), Eric Rosemary (CrossCountry Mortgage, Boca Raton) and Christina Bús (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in AL, 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 11

  1. 1

    Wendy SeagleNMLS 194641

    CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 4 states

    • DSCR loan
    • Bank statement loan
    • Construction loan
    • Jumbo loan
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • States 35 years of experience (lender page, 2026-10-09)
  2. 2

    Eric RosemaryNMLS 301253

    CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states

    • DSCR loan
    • Asset-based qualifying
    • Bank statement loan
    • Foreign national
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan 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)
  3. 3

    Christina BúsNMLS 118777

    Loan Factory · Mortgage broker · licensed in 2 states

    • DSCR loan
    • 1099 income
    • Down payment assistance
    • FHA loan
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
  4. 4

    Blake MaggioNMLS 109536

    GMFS Mortgage · Prairieville, LA · licensed in 3 states

    • DSCR loan
    • Construction loan
    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
  5. 5

    Jim BrettlNMLS 455400

    Xpert Home Lending · Mortgage broker · licensed in 13 states

    • DSCR loan
    • Bank statement loan
    • HELOC
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
  6. 6

    David K. Clark IIINMLS 1375791

    Lit Financial Corporation · licensed in 5 states

    • DSCR loan
    • Bank statement loan
    • Non-QM loan
    • HELOC
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
  7. 7

    Ryan McGranNMLS 2520487

    Lit Financial Corporation · licensed in 19 states

    • DSCR loan
    • Bank statement loan
    • Condo
    • Jumbo loan
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Colorado records)
  8. 8

    Kevin RollerNMLS 250375

    LeaderOne Financial · Overland Park, KS · licensed in 43 states

    • DSCR loan
    • Non-QM loan
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
  9. 9

    Billy AbdallahNMLS 1579598

    Lit Financial Corporation · licensed in 10 states

    • DSCR loan
    • Non-QM loan
    • HELOC
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2026 (per Florida records)
  10. 10

    William CommonsNMLS 79745

    Assurance Financial · Baton Rouge, LA · licensed in 36 states

    • DSCR loan
    • Asset-based qualifying
    • Bank statement loan
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Colorado records)
  11. 11

    Kane NavarroNMLS 1705907

    Xpert Home Lending · Mortgage broker · licensed in 5 states

    • DSCR loan
    • VA loan
    • Asset-based qualifying
    • Bank statement loan
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)

Before you choose

Minimum DSCR ratios, rent schedules and prepayment penalties differ widely across lenders.

  • What minimum DSCR do you require, and how do you calculate rent?
  • Can I close in an LLC?
  • What prepayment penalty options do you offer?

More about DSCR loan

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 AL license is confirmed with the state regulator (check mark), AL 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=dscr&state=AL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.