--- canonical_url: https://lendb.ai/s/fha/california last_verified: 2026-10-09 --- # FHA loan officers in California As of 2026-10-09, LenDb lists 628 loan officers licensed in or based in California whose lender pages show FHA loan work. The top-ranked are Tonda Herndon (CrossCountry Mortgage, Vacaville), Pete Mingham (Guild Mortgage, Walnut Creek) and John Assily (CrossCountry Mortgage, Walnut Creek). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Tonda Herndon](https://lendb.ai/lo/tonda-herndon-214647)** (NMLS 214647), CrossCountry Mortgage, Vacaville, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Vacaville, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 28 years of experience (lender page, 2026-10-09) 2. **[Pete Mingham](https://lendb.ai/lo/steven-peter-mingham-jr-289586)** (NMLS 289586), Guild Mortgage, Walnut Creek, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Walnut Creek, CA - CA 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) 3. **[John Assily](https://lendb.ai/lo/john-assily-291314)** (NMLS 291314), CrossCountry Mortgage, Walnut Creek, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Walnut Creek, CA - CA 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) 4. **[Gary Forward](https://lendb.ai/lo/gary-forward-246757)** (NMLS 246757), American Pacific Mortgage, Dana Point, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Dana Point, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 27 years of experience (lender page, 2026-10-09) 5. **[Patty Grissom](https://lendb.ai/lo/patty-grissom-350159)** (NMLS 350159), Guild Mortgage, Fresno, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Fresno, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 18 years of experience (lender page, 2026-10-09) 6. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 7. **[Steve Lee](https://lendb.ai/lo/steve-lee-272302)** (NMLS 272302), CrossCountry Mortgage, Henderson, NV - Lists FHA loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 8. **[Michael Lee Mcchristian](https://lendb.ai/lo/michael-lee-mcchristian-288571)** (NMLS 288571), Loan Factory, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 26 years of experience (lender page, 2026-10-09) 9. **[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) - CA 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) 10. **[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) - CA 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) 11. **[James Perfilio](https://lendb.ai/lo/jamie-perfilio-945664)** (NMLS 945664), Churchill Mortgage, Brentwood, TN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 12. **[Cameron Gemoets](https://lendb.ai/lo/cameron-gemoets-2701842)** (NMLS 2701842), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 13. **[Renee Konstantine](https://lendb.ai/lo/renee-konstantine-1360025)** (NMLS 1360025), C2 Financial Corporation - Lists FHA loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 14. **[Eevon Aw](https://lendb.ai/lo/eevon-aw-895550)** (NMLS 895550), JPMorgan Chase Bank (Chase Home Lending), San Jose, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in San Jose, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 13 years of experience (lender page, 2026-10-09) 15. **[Corey Husted](https://lendb.ai/lo/corey-husted-1248167)** (NMLS 1248167), Intercap Lending, San Diego, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 16. **[Kadeth Tun](https://lendb.ai/lo/kadeth-tun-357732)** (NMLS 357732), Loan Factory - Lists FHA loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 17. **[Yanni Stefanidis](https://lendb.ai/lo/ioannis-stefanidis-1725443)** (NMLS 1725443), Churchill Mortgage, Irvine, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Irvine, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 18. **[Greg Brooks](https://lendb.ai/lo/gregory-brooks-151145)** (NMLS 151145), Guild Mortgage, San Diego, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 19. **[Kristina Melnik](https://lendb.ai/lo/kvitoslava-melnik-2316172)** (NMLS 2316172), Churchill Mortgage, Roseville, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Roseville, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 8 years of experience (lender page, 2026-10-09) 20. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists FHA loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 21. **[Todd Swanson](https://lendb.ai/lo/todd-swanson-242366)** (NMLS 242366), C2 Financial Corporation, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Colorado records) 22. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR - Lists FHA loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) - States 12 years of experience (lender page, 2026-10-09) 23. **[Michael Tietz](https://lendb.ai/lo/michael-tietz-53715)** (NMLS 53715), JPMorgan Chase Bank (Chase Home Lending), San Diego, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2017 (per Florida records) 24. **[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) - CA 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) 25. **[Canaan IAN Johnson](https://lendb.ai/lo/canaan-johnson-240837)** (NMLS 240837), Guild Mortgage, Livermore, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Livermore, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) ## 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/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._