Loan programs · Washington
DSCR loan officers in Washington
As of 2026-10-09, LenDb lists 16 loan officers licensed in or based in Washington whose lender pages show DSCR loan work. The top-ranked are Kirk Taylor (CrossCountry Mortgage, Naples), Christopher Gibson (C2 Financial Corporation) and Eric Whitney Hexum (Guild Mortgage, Kennewick). Ranking is lender-neutral: specialty evidence first, then a license in WA, 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 16
- 1
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- DSCR loan
- 1099 income
- Bank statement loan
- Self-employed
- WA 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 2014 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Christopher GibsonNMLS 1910430
C2 Financial Corporation · Mortgage broker · licensed in 3 states
- DSCR loan
- 1099 income
- Bank statement loan
- Manufactured home
- WA 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)
- States 15 years of experience (lender page, 2026-10-09)
- 3
Eric Whitney HexumNMLS 1569697
Guild Mortgage · Kennewick, WA · licensed in 3 states
- DSCR loan
- Down payment assistance
- FHA loan
- First-time buyer
- WA 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)
- Office in Kennewick, WA
- Licensed since 2021 (per Florida records)
- 4
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- DSCR loan
- Bank statement loan
- Down payment assistance
- FHA loan
- WA 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 Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 5
George PressleyNMLS 94040
Loan Factory · Mortgage broker · Washington
- DSCR loan
- 1099 income
- Asset-based qualifying
- Bank statement loan
- WA 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)
- Office in Washington
- States 30 years of experience (lender page, 2026-10-09)
- 6
Saran MandhadapuNMLS 2417126
Loan Factory · Mortgage broker · licensed in 10 states
- DSCR loan
- Non-QM loan
- Real estate investor
- WA 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)
- 7
Erik BrowningNMLS 2264602
CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states
- DSCR loan
- FHA loan
- HELOC
- Self-employed
- WA 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 2025 (per Florida records)
- 8
Aaron RodriguezNMLS 452234
CrossCountry Mortgage · Lake Oswego, OR · licensed in 3 states
- DSCR loan
- Jumbo loan
- Construction loan
- WA 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)
- 9
Jim BrettlNMLS 455400
Xpert Home Lending · Mortgage broker · licensed in 13 states
- DSCR loan
- Bank statement loan
- WA 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)
- 10
Christina BúsNMLS 118777
Loan Factory · Mortgage broker · licensed in 2 states
- DSCR loan
- 1099 income
- Down payment assistance
- FHA loan
- WA 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)
- 11
Kyle BrunetNMLS 1237678
Lit Financial Corporation · licensed in 9 states
- DSCR loan
- Bank statement loan
- Condo
- Jumbo loan
- WA 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 2016 (per Colorado records)
- 12
Ayeh KlaitNMLS 1855448
Lit Financial Corporation · licensed in 7 states
- DSCR loan
- HELOC
- WA 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)
- 13
Desiree' ByrneNMLS 2122934
Xpert Home Lending · Mortgage broker · licensed in 16 states
- DSCR loan
- Construction loan
- HELOC
- Renovation loan (203k / HomeStyle)
- WA 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 Colorado records)
- 14
Ryan McGranNMLS 2520487
Lit Financial Corporation · licensed in 19 states
- DSCR loan
- Bank statement loan
- Condo
- Jumbo loan
- WA 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)
- 15
Billy AbdallahNMLS 1579598
Lit Financial Corporation · licensed in 10 states
- DSCR loan
- Non-QM loan
- HELOC
- WA 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)
- 16
Maggie JojaNMLS 1919944
Lit Financial Corporation · licensed in 5 states
- DSCR loan
- Bank statement loan
- Jumbo loan
- Non-QM loan
- WA 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)
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?
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 WA license is confirmed with the state regulator (check mark), WA 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=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.