--- canonical_url: https://lendb.ai/s/fha/delaware last_verified: 2026-10-09 --- # FHA loan officers in Delaware As of 2026-10-09, LenDb lists 73 loan officers licensed in or based in Delaware whose lender pages show FHA loan work. The top-ranked are Sheri Barber (Union Home Mortgage, Rehoboth Beach), Ron Riccitelli Jr (CrossCountry Mortgage, Bel Air) and Kenneth Johnson (CrossCountry Mortgage, Doylestown). Ranking is lender-neutral: specialty evidence first, then a license in DE, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Sheri Barber](https://lendb.ai/lo/sheri-barber-243041)** (NMLS 243041), Union Home Mortgage, Rehoboth Beach, DE - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Rehoboth Beach, DE - DE 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) 2. **[Ron Riccitelli Jr](https://lendb.ai/lo/ron-riccitelli-jr-144907)** (NMLS 144907), CrossCountry Mortgage, Bel Air, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE 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) 3. **[Kenneth Johnson](https://lendb.ai/lo/kenneth-johnson-204926)** (NMLS 204926), CrossCountry Mortgage, Doylestown, PA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 19 years of experience (lender page, 2026-10-09) 4. **[Mark Minadeo](https://lendb.ai/lo/mark-minadeo-330121)** (NMLS 330121), Acrisure Mortgage (formerly FBC Mortgage), Coconut Creek, FL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 5. **[Amanda Broomall](https://lendb.ai/lo/amanda-broomall-900029)** (NMLS 900029), Guild Mortgage, Middletown, DE - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Middletown, DE - DE 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) 6. **[Lori Jule](https://lendb.ai/lo/lori-jule-190409)** (NMLS 190409), Atlantic Coast Mortgage, Fairfax, VA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 7. **[Jennifer Merrick](https://lendb.ai/lo/jennifer-merrick-2063146)** (NMLS 2063146), CrossCountry Mortgage, Dover, DE - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Dover, DE - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 8. **[Mike Schuster](https://lendb.ai/lo/michael-schuster-1980879)** (NMLS 1980879), CrossCountry Mortgage, Columbia, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 9. **[Jason Nader](https://lendb.ai/lo/jason-nader-313085)** (NMLS 313085), First Home Mortgage, Annapolis, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 10. **[Brad Zerbe](https://lendb.ai/lo/bradley-zerbe-161236)** (NMLS 161236), NFM Lending, Haddonfield, NJ - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 11. **[Corinne Spartana](https://lendb.ai/lo/corinne-spartana-1965019)** (NMLS 1965019), Fairway Independent Mortgage Corporation, Towson, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 6 years of experience (lender page, 2026-10-09) 12. **[Robert Taylor](https://lendb.ai/lo/robert-taylor-132188)** (NMLS 132188), First Home Mortgage, Baltimore, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 13. **[Kristi Hardy](https://lendb.ai/lo/kristi-hardy-194938)** (NMLS 194938), Atlantic Coast Mortgage, Fairfax, VA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 14. **[Dennis Sullivan](https://lendb.ai/lo/dennis-sullivan-170161)** (NMLS 170161), Southern Trust Mortgage, Annapolis, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 15. **[Lacey Hood](https://lendb.ai/lo/lacey-hood-86949)** (NMLS 86949), Allied Mortgage Group, Charlotte, NC - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 16. **[Tom Lutz](https://lendb.ai/lo/thomas-lutz-135170)** (NMLS 135170), Guild Mortgage, York, PA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 17. **[Shannon Odom](https://lendb.ai/lo/shannon-odom-509649)** (NMLS 509649), LeaderOne Financial, Bangor, ME - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 18. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 19. **[Heather Devoto](https://lendb.ai/lo/heather-devoto-186983)** (NMLS 186983), First Home Mortgage, McLean, VA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Lou Centrella](https://lendb.ai/lo/lou-centrella-146337)** (NMLS 146337), Embrace Home Loans, Wilmington, DE - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Wilmington, DE - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Theresa Miglino](https://lendb.ai/lo/theresa-miglino-453791)** (NMLS 453791), Embrace Home Loans, Wilmington, DE - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Wilmington, DE - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Michelle Cieniewicz](https://lendb.ai/lo/michelle-cieniewicz-2277845)** (NMLS 2277845), JPMorgan Chase Bank (Chase Home Lending), Wilmington, DE - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Wilmington, DE - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 23. **[Martha Pfeiffer](https://lendb.ai/lo/martha-pfeiffer-1722079)** (NMLS 1722079), CrossCountry Mortgage, Dover, DE - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Dover, DE - DE 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) 24. **[Chris Winzig](https://lendb.ai/lo/christopher-winzig-113169)** (NMLS 113169), CrossCountry Mortgage, Fairfield, CT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 25. **[Adam Workman](https://lendb.ai/lo/adam-workman-128183)** (NMLS 128183), CrossCountry Mortgage, Charlotte, NC - Lists FHA loan on lender page (lender page, verified 2026-10-09) - DE 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) ## 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/delaware. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._