Loan programs · Alabama
FHA loan officers in Alabama
As of 2026-10-09, LenDb lists 233 loan officers licensed in or based in Alabama whose lender pages show FHA loan work. The top-ranked are Lynne Mosley (Guild Mortgage, Clanton), Kim Brooks (Guild Mortgage, Mobile) and Meg Hicks (CrossCountry Mortgage, Vestavia). 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 25
- 1
Lynne MosleyNMLS 7369
Guild Mortgage · Clanton, AL · licensed in 2 states
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 30 years experience (stated on lender page, 2026-10-09)
- 2
Kim BrooksNMLS 335539
Guild Mortgage · Mobile, AL
- FHA loan
- Construction loan
- Down payment assistance
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 30 years experience (stated on lender page, 2026-10-09)
- 3
Meg HicksNMLS 994024
CrossCountry Mortgage · Vestavia, AL · licensed in 4 states
- FHA loan
- First-time buyer
- Jumbo loan
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 11 years licensed
- 4
Tammy C WhiteNMLS 453643
Guild Mortgage · Columbus, GA · licensed in 2 states
- FHA loan
- First-time buyer
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 22 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 5
Bill GaylordNMLS 680603
Guild Mortgage · Henderson, NV · licensed in 7 states
- FHA loan
- DSCR loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 33 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 6
Amy ClineNMLS 1956906
Union Home Mortgage · Vestavia, AL · licensed in 3 states
- FHA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 6 years licensed
- 7
Mike EastmanNMLS 21108
First Heritage Mortgage · Fairfax, VA · licensed in 12 states
- FHA loan
- Jumbo loan
- VA loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 8
Kevin HolmesNMLS 193246
NFM Lending · Linthicum, MD · licensed in 23 states
- FHA loan
- First-time buyer
- Jumbo loan
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 9
KC HaririanNMLS 457091
Union Home Mortgage · Vestavia, AL · licensed in 2 states
- FHA loan
- Construction loan
- Jumbo loan
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 4 years licensed
- 10
Lori JuleNMLS 190409
Atlantic Coast Mortgage · Fairfax, VA · licensed in 27 states
- FHA loan
- Jumbo loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 11
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- FHA loan
- Non-QM loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 12
Morgan CowleNMLS 40312
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- FHA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 13
Randy KeyNMLS 190053
Churchill Mortgage · Dallas, TX · licensed in 12 states
- FHA loan
- Jumbo loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 14
Shelley FaulknerNMLS 470443
Guild Mortgage · Prattville, AL
- FHA loan
- Down payment assistance
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 21 years experience (stated on lender page, 2026-10-09)
- 15
Haley BarnesNMLS 1668981
Union Home Mortgage · Mobile, AL · licensed in 3 states
- FHA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- No disciplinary actions on file at LenDb
- 16
Lee DozierNMLS 40422
Churchill Mortgage · Brentwood, TN · licensed in 9 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 17
Sonia HashimiNMLS 965240
Loan Factory · licensed in 17 states
- FHA loan
- First-time buyer
- VA loan
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 18
Amy GossNMLS 194181
Guild Mortgage · Jacksonville, NC · licensed in 12 states
- FHA loan
- First-time buyer
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 19
Dan KrausNMLS 40222
Churchill Mortgage · Brentwood, TN · licensed in 16 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 20
Kate RedmanNMLS 880676
CrossCountry Mortgage · Evans, GA · licensed in 6 states
- FHA loan
- VA loan
- Construction loan
- Non-QM loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 21
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 22
Summer RobertsonNMLS 1009959
Union Home Mortgage · Ooltewah, TN · licensed in 5 states
- FHA loan
- Construction loan
- First-time buyer
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 23
Denver PaytonNMLS 1028692
CrossCountry Mortgage · Newnan, GA · licensed in 4 states
- FHA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 24
Sundi EngleNMLS 1385043
Embrace Home Loans · Tampa, FL · licensed in 3 states
- FHA loan
- Jumbo loan
- Non-QM loan
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 25
Heidi GageNMLS 213769
NFM Lending · Linthicum, MD · licensed in 27 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.
- What minimum credit score do you accept for FHA, with or without overlays?
- How do you handle FHA appraisal repair requirements?
- What will mortgage insurance cost over the life of the loan?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in AL or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=fha&state=AL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.