Loan programs · California
FHA loan officers in California
As of 2026-10-09, LenDb lists 783 loan officers licensed in or based in California whose lender pages show FHA loan work. The top-ranked are Tonda Herndon (CrossCountry Mortgage, Vacaville), Troy Bird (Guild Mortgage, Sacramento) and Rita Caruso (Homeowners Financial Group, Discovery Bay). Ranking is lender-neutral: specialty evidence first, then a license in CA, 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
Tonda HerndonNMLS 214647
CrossCountry Mortgage · Vacaville, CA
- FHA loan
- Jumbo loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 28 years experience (stated on lender page, 2026-10-09)
- 2
Troy BirdNMLS 277770
Guild Mortgage · Sacramento, CA
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 3
Rita CarusoNMLS 278812
Homeowners Financial Group · Discovery Bay, CA
- FHA loan
- Jumbo loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 20 years experience (stated on lender page, 2026-10-09)
- 4
Steven Peter Mingham Jr.NMLS 289586
Guild Mortgage · Walnut Creek, CA · licensed in 3 states
- FHA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 5
Charles David KrauthNMLS 290286
Guild Mortgage · Walnut Creek, CA
- FHA loan
- Down payment assistance
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 25 years experience (stated on lender page, 2026-10-09)
- 6
John AssilyNMLS 291314
CrossCountry Mortgage · Walnut Creek, CA
- FHA loan
- Construction loan
- Jumbo loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 7
Rick BuiNMLS 309803
Xpert Home Lending · California
- FHA loan
- Bank statement loan
- Construction loan
- DSCR loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 8
Kurt R KesslerNMLS 365130
Barrett Financial Group · Carlsbad, CA
- FHA loan
- DSCR loan
- First-time buyer
- Self-employed
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 9
Beth FlureNMLS 2663278
Xpert Home Lending · California
- FHA loan
- First-time buyer
- Non-QM loan
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 40 years experience (stated on lender page, 2026-10-09)
- 10
Patty GrissomNMLS 350159
Guild Mortgage · Fresno, CA
- FHA loan
- Down payment assistance
- First-time buyer
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 18 years experience (stated on lender page, 2026-10-09)
- 11
Susan MunknerNMLS 112112
JPMorgan Chase Bank (Chase Home Lending) · Fremont, CA
- FHA loan
- First-time buyer
- Jumbo loan
- Self-employed
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 18 years experience (stated on lender page, 2026-10-09)
- 12
Gary ForwardNMLS 246757
American Pacific Mortgage · Dana Point, CA
- FHA loan
- Jumbo loan
- VA loan
- Condo
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 27 years experience (stated on lender page, 2026-10-09)
- 13
Diana LegaspiNMLS 1175742
Guild Mortgage · Morgan Hill, CA
- FHA loan
- Jumbo loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 18 years experience (stated on lender page, 2026-10-09)
- 14
Omar CarrascoNMLS 669157
Loan Factory · California
- FHA loan
- Construction loan
- Non-QM loan
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 23 years experience (stated on lender page, 2026-10-09)
- 15
Gilbert SalazarNMLS 344711
Guild Mortgage · Irvine, CA · licensed in 7 states
- FHA loan
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 12 years licensed
- 16
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 CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 12 years licensed
- 17
Corey HustedNMLS 1248167
Intercap Lending · San Diego, CA · licensed in 3 states
- FHA loan
- First-time buyer
- Jumbo loan
- Self-employed
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 11 years licensed
- 18
Anthony Stafford Jr.NMLS 713682
Envoy Mortgage · Walnut Creek, CA · licensed in 2 states
- FHA loan
- Jumbo loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 9 years licensed
- 19
Gregory James BrooksNMLS 151145
Guild Mortgage · San Diego, CA · licensed in 9 states
- FHA loan
- First-time buyer
- Manufactured home
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 9 years licensed
- 20
Yanni StefanidisNMLS 1725443
Churchill Mortgage · Irvine, CA · licensed in 16 states
- FHA loan
- Real estate investor
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 8 years licensed
- 21
Carolina SepulvedaNMLS 291489
LeaderOne Financial · Boerne, TX
- FHA loan
- Down payment assistance
- First-time buyer
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (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
- 22
Katie HammNMLS 185848
Guild Mortgage · Portland, OR · licensed in 5 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 CA (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
- 23
Andrew SchmidtNMLS 201143
Churchill Mortgage · Scottsdale, AZ · licensed in 7 states
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 24
Rachelle CoffeyNMLS 203664
Homeowners Financial Group · Scottsdale, AZ · licensed in 10 states
- FHA loan
- Down payment assistance
- First-time buyer
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 27 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 25
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 CA (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
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 CA 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=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.