--- canonical_url: https://lendb.ai/s/fha/alabama last_verified: 2026-10-09 --- # FHA loan officers in Alabama As of 2026-10-09, LenDb lists 168 loan officers licensed in or based in Alabama whose lender pages show FHA loan work. The top-ranked are Tammy C White (Guild Mortgage, Columbus), Sandee Lutz (CrossCountry Mortgage, Romeo) and Melissa Kerbow (Fairway Independent Mortgage Corporation, Madison). Ranking is lender-neutral: specialty evidence first, then a license in AL, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Tammy C White](https://lendb.ai/lo/tammy-c-white-453643)** (NMLS 453643), Guild Mortgage, Columbus, GA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 22 years of experience (lender page, 2026-10-09) 2. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[Melissa Kerbow](https://lendb.ai/lo/melissa-kerbow-715476)** (NMLS 715476), Fairway Independent Mortgage Corporation, Madison, GA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[Kate Redman](https://lendb.ai/lo/kathleen-redman-880676)** (NMLS 880676), CrossCountry Mortgage, Evans, GA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 5. **[Domonique Gray](https://lendb.ai/lo/domonique-gray-900558)** (NMLS 900558), Churchill Mortgage, Brentwood, TN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 6. **[Meg Hicks](https://lendb.ai/lo/meg-hicks-994024)** (NMLS 994024), CrossCountry Mortgage, Vestavia, AL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Vestavia, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 7. **[Morgan Cowle](https://lendb.ai/lo/morgan-cowle-40312)** (NMLS 40312), Churchill Mortgage, Brentwood, TN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 18 years of experience (lender page, 2026-10-09) 8. **[Anders Brockett Comer](https://lendb.ai/lo/anders-comer-544339)** (NMLS 544339), Homeowners Financial Group, Marietta, GA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 9. **[Devin Fahrner](https://lendb.ai/lo/devin-fahrner-399405)** (NMLS 399405), American Pacific Mortgage, Eagle, ID - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Colorado records) - States 30 years of experience (lender page, 2026-10-09) 10. **[Lynne Mosley](https://lendb.ai/lo/lynne-mosley-7369)** (NMLS 7369), Guild Mortgage, Clanton, AL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Clanton, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 11. **[Shelley V Faulkner](https://lendb.ai/lo/shelley-faulkner-470443)** (NMLS 470443), Guild Mortgage, Prattville, AL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Prattville, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 21 years of experience (lender page, 2026-10-09) 12. **[Clyde Bell](https://lendb.ai/lo/clyde-bell-1660787)** (NMLS 1660787), CrossCountry Mortgage, Birmingham, AL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Birmingham, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 13. **[Amy Goss](https://lendb.ai/lo/amy-goss-194181)** (NMLS 194181), Guild Mortgage, Jacksonville, NC - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 14. **[Denver Payton](https://lendb.ai/lo/denver-payton-1028692)** (NMLS 1028692), CrossCountry Mortgage, Newnan, GA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 15. **[Darren Gill](https://lendb.ai/lo/darren-gill-93547)** (NMLS 93547), GMFS Mortgage, Baton Rouge, LA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 9 years of experience (lender page, 2026-10-09) 16. **[Jason Stallworth](https://lendb.ai/lo/jason-stallworth-7577)** (NMLS 7577), Embrace Home Loans, Amityville, NY - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 17. **[Kristina Hayes](https://lendb.ai/lo/kristina-hayes-1057175)** (NMLS 1057175), Churchill Mortgage, Irvine, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 35 years of experience (lender page, 2026-10-09) 18. **[James McMurrey](https://lendb.ai/lo/james-mcmurrey-2302283)** (NMLS 2302283), CrossCountry Mortgage, Lacey, WA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 19. **[Kolby Gibson](https://lendb.ai/lo/kolby-gibson-324487)** (NMLS 324487), American Pacific Mortgage, Encinitas, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 20. **[John Ortega](https://lendb.ai/lo/john-ortega-461624)** (NMLS 461624), Churchill Mortgage, Irvine, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 21. **[Joshua Phillips](https://lendb.ai/lo/joshua-phillips-157670)** (NMLS 157670), Churchill Mortgage, Brentwood, TN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 22. **[Will Pendergraft](https://lendb.ai/lo/william-pendergraft-887706)** (NMLS 887706), Churchill Mortgage - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 23. **[Danny Drysdale](https://lendb.ai/lo/daniel-drysdale-874523)** (NMLS 874523), Intercap Lending, San Diego, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 24. **[Matt Sines](https://lendb.ai/lo/matthew-sines-706232)** (NMLS 706232), Guild Mortgage, Pensacola, FL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 25. **[Christina Bús](https://lendb.ai/lo/christina-bus-118777)** (NMLS 118777), Loan Factory - Lists FHA loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/fha/alabama. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._