Loan programs · Maryland
FHA loan officers in Maryland
As of 2026-10-09, LenDb lists 254 loan officers licensed in or based in Maryland whose lender pages show FHA loan work. The top-ranked are Ron Riccitelli Jr (CrossCountry Mortgage, Bel Air), Bruce Rider (First Heritage Mortgage, Prince Frederick) and Kevin Holmes (NFM Lending, Linthicum). Ranking is lender-neutral: specialty evidence first, then a license in MD, 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
Ron Riccitelli JrNMLS 144907
CrossCountry Mortgage · Bel Air, MD · licensed in 5 states
- FHA loan
- Jumbo loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 21 years experience (stated on lender page, 2026-10-09)
- 2
Bruce RiderNMLS 311915
First Heritage Mortgage · Prince Frederick, MD · licensed in 2 states
- FHA loan
- Construction loan
- VA loan
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 20 years experience (stated on lender page, 2026-10-09)
- 3
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 14 years licensed
- 4
Robert TaylorNMLS 132188
First Home Mortgage · Baltimore, MD · licensed in 7 states
- FHA loan
- Non-QM loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 15 years licensed
- 5
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- FHA loan
- VA loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 5 years licensed
- 6
Michael Alan WendorfNMLS 109568
Newrez · Columbia, MD · licensed in 9 states
- FHA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 10 years licensed
- 7
Aimee MinnisNMLS 1403192
NFM Lending · Linthicum, MD · licensed in 4 states
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 10 years licensed
- 8
Mike WeinsteinNMLS 1185158
First Home Mortgage · Baltimore, MD · licensed in 5 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 12 years experience (stated on lender page, 2026-10-09)
- 9
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- FHA loan
- DSCR loan
- First-time buyer
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 8 years licensed
- 10
Scott EisgrauNMLS 139186
Atlantic Coast Mortgage · Owings Mills, MD · licensed in 6 states
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 9 years licensed
- 11
Matthew FoxNMLS 151022
First Heritage Mortgage · Hanover, MD · licensed in 7 states
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 11 years licensed
- 12
Wayne PalkovicNMLS 201581
Embrace Home Loans · Martinsburg, WV · licensed in 4 states
- FHA loan
- Jumbo loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 43 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 13
Jason NaderNMLS 313085
First Home Mortgage · Annapolis, MD · licensed in 7 states
- FHA loan
- First-time buyer
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 6 years licensed
- 14
Corinne SpartanaNMLS 1965019
Fairway Independent Mortgage Corporation · Towson, MD · licensed in 9 states
- FHA loan
- First-time buyer
- New construction
- Non-QM loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 6 years licensed
- 15
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 5 years licensed
- 16
Alex WatersNMLS 1153538
First Home Mortgage · Baltimore, MD · licensed in 3 states
- 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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 4 years licensed
- 17
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 MD (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 18
Dennis SullivanNMLS 170161
Southern Trust Mortgage · Annapolis, MD · licensed in 12 states
- FHA loan
- USDA loan
- VA loan
- Down payment assistance
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 4 years licensed
- 19
Andrea TroutNMLS 183903
Guild Mortgage · Columbia, MD · licensed in 5 states
- FHA loan
- First-time buyer
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 4 years licensed
- 20
Brad RestivoNMLS 835073
First Home Mortgage · Baltimore, MD · licensed in 8 states
- FHA loan
- Jumbo loan
- VA loan
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 8 years licensed
- 21
Jason InglishNMLS 934863
ALCOVA Mortgage · Cumberland, MD · licensed in 7 states
- FHA loan
- First-time buyer
- Real estate investor
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 4 years licensed
- 22
Ryan HadleyNMLS 1760292
First Heritage Mortgage · licensed in 7 states
- FHA loan
- VA loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 30 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 23
Jolayne CraigNMLS 290277
Atlantic Coast Mortgage · Fredericksburg, VA · licensed in 4 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 30 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 24
James F. GaudiosiNMLS 474088
Atlantic Coast Mortgage · Fairfax, VA · licensed in 3 states
- FHA loan
- Construction loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 23 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 25
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 MD (listed on lender page, verified 2026-10-09)
- 15 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 MD 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=MD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.