--- canonical_url: https://lendb.ai/s/dscr/texas last_verified: 2026-10-09 --- # DSCR loan officers in Texas As of 2026-10-09, LenDb lists 69 loan officers licensed in or based in Texas whose lender pages show DSCR loan work. The top-ranked are Ashley Van Meter (Guild Mortgage, Kingwood), Michael Moh (Guild Mortgage, Killeen) and Christopher Cook (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Ashley Van Meter](https://lendb.ai/lo/ashley-van-meter-274016)** (NMLS 274016), Guild Mortgage, Kingwood, TX - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 20 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 2. **[Michael Moh](https://lendb.ai/lo/michael-moh-915377)** (NMLS 915377), Guild Mortgage, Killeen, TX - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 13 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 3. **[Christopher Cook](https://lendb.ai/lo/christopher-cook-1037205)** (NMLS 1037205), Xpert Home Lending, TX - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 9 years licensed - No disciplinary actions on file at LenDb 4. **[Steve Crossman](https://lendb.ai/lo/steven-crossman-995551)** (NMLS 995551), CrossCountry Mortgage, McKinney, TX - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 6 years licensed - No disciplinary actions on file at LenDb 5. **[John Nguyen](https://lendb.ai/lo/john-nguyen-389742)** (NMLS 389742), Guild Mortgage, Boca Raton, FL - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 15 years licensed - No disciplinary actions on file at LenDb 6. **[Eric Rosemary](https://lendb.ai/lo/eric-rosemary-301253)** (NMLS 301253), CrossCountry Mortgage, Boca Raton, FL - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 14 years licensed - No disciplinary actions on file at LenDb 7. **[Kirk Taylor](https://lendb.ai/lo/kirk-taylor-312131)** (NMLS 312131), CrossCountry Mortgage, Naples, FL - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 12 years licensed - No disciplinary actions on file at LenDb 8. **[James Hair](https://lendb.ai/lo/james-hair-1680348)** (NMLS 1680348), CrossCountry Mortgage, Houston, TX - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 1 years licensed - No disciplinary actions on file at LenDb 9. **[Antonio Gutierrez](https://lendb.ai/lo/antonio-gutierrez-722537)** (NMLS 722537), Loan Factory, North DFW, TX - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 20 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 10. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 8 years licensed - No disciplinary actions on file at LenDb 11. **[Patty Porto](https://lendb.ai/lo/patty-porto-275265)** (NMLS 275265), Loan Factory, Houston, TX - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - No disciplinary actions on file at LenDb 12. **[Tony Dinh](https://lendb.ai/lo/tony-dinh-281092)** (NMLS 281092), Loan Factory, Houston, TX - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - No disciplinary actions on file at LenDb 13. **[Sam Klaburner](https://lendb.ai/lo/stamatia-klaburner-140132)** (NMLS 140132), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 9 years licensed - No disciplinary actions on file at LenDb 14. **[Andrew Postell](https://lendb.ai/lo/andrew-postell-392627)** (NMLS 392627), CrossCountry Mortgage, Bedford, TX - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Branch in Texas; no license list on file yet, verify at NMLS Consumer Access - 25 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 15. **[Shane Moe](https://lendb.ai/lo/shane-moe-164686)** (NMLS 164686), LeaderOne Financial, Austin, TX - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - No disciplinary actions on file at LenDb 16. **[Julio Cesar Berrocal](https://lendb.ai/lo/julio-cesar-berrocal-1825860)** (NMLS 1825860), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 4 years licensed - No disciplinary actions on file at LenDb 17. **[Chad Mayer](https://lendb.ai/lo/chad-mayer-280921)** (NMLS 280921), Guild Mortgage, Scottsdale, AZ - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 18. **[Holly Luca](https://lendb.ai/lo/holly-luca-586712)** (NMLS 586712), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 3 years licensed - No disciplinary actions on file at LenDb 19. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 0 years licensed - No disciplinary actions on file at LenDb 20. **[Jared Ogburn](https://lendb.ai/lo/jared-ogburn-1698451)** (NMLS 1698451), Guild Mortgage, Madison, MS - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 21. **[Gene Fuessel](https://lendb.ai/lo/gene-fuessel-181064)** (NMLS 181064), Xpert Home Lending - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 22. **[Jim Brettl](https://lendb.ai/lo/jim-brettl-455400)** (NMLS 455400), Xpert Home Lending - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 23. **[Vivek Agarwal](https://lendb.ai/lo/vivek-agarwal-2564210)** (NMLS 2564210), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 2 years licensed - No disciplinary actions on file at LenDb 24. **[Kevin Haagen](https://lendb.ai/lo/kevin-haagen-1037086)** (NMLS 1037086), CrossCountry Mortgage, Plano, TX - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Branch in Texas; no license list on file yet, verify at NMLS Consumer Access - 13 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 25. **[Hector J. Perez](https://lendb.ai/lo/hector-j-perez-1808946)** (NMLS 1808946), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 20 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/dscr/texas. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._