--- canonical_url: https://lendb.ai/s/fha/michigan last_verified: 2026-10-09 --- # FHA loan officers in Michigan As of 2026-10-09, LenDb lists 274 loan officers licensed in or based in Michigan whose lender pages show FHA loan work. The top-ranked are Jason A Walker (CrossCountry Mortgage, Grand Haven), Todd Barr (Success Mortgage Partners, Plymouth) and Sandee Lutz (CrossCountry Mortgage, Romeo). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Jason A Walker](https://lendb.ai/lo/jason-a-walker-2384353)** (NMLS 2384353), CrossCountry Mortgage, Grand Haven, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - Branch in Michigan - 20 years experience (stated on lender page, 2026-10-09) 2. **[Todd Barr](https://lendb.ai/lo/todd-barr-137590)** (NMLS 137590), Success Mortgage Partners, Plymouth, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - Branch in Michigan - 25 years experience (stated on lender page, 2026-10-09) 3. **[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) - Licensed in MI (listed on lender page, verified 2026-10-09) - Branch in Michigan - 6 years licensed 4. **[Jennifer R Heller](https://lendb.ai/lo/jennifer-r-heller-2375826)** (NMLS 2375826), Loan Factory, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - Branch in Michigan - 20 years experience (stated on lender page, 2026-10-09) 5. **[Justin Machak](https://lendb.ai/lo/justin-machak-33158)** (NMLS 33158), CrossCountry Mortgage, Northville, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - Branch in Michigan - 5 years licensed 6. **[Jamie Derringer](https://lendb.ai/lo/jameson-derringer-1399263)** (NMLS 1399263), CrossCountry Mortgage, Ann Arbor, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - Branch in Michigan - 5 years licensed 7. **[Ben Valin](https://lendb.ai/lo/ben-valin-2574019)** (NMLS 2574019), JPMorgan Chase Bank (Chase Home Lending), Roseville, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - Branch in Michigan 8. **[Chris DeRuischer](https://lendb.ai/lo/christopher-deruischer-1025953)** (NMLS 1025953), Churchill Mortgage, Wyoming, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - Branch in Michigan - 5 years licensed 9. **[Kevin Holmes](https://lendb.ai/lo/kevin-holmes-193246)** (NMLS 193246), NFM Lending, Linthicum, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - 14 years licensed 10. **[Sarah Nelson](https://lendb.ai/lo/sarah-nelson-575649)** (NMLS 575649), Union Home Mortgage, East Lansing, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - Branch in Michigan - 4 years licensed 11. **[Joel Koziol](https://lendb.ai/lo/joel-koziol-1539247)** (NMLS 1539247), Ruoff Mortgage, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - Branch in Michigan - 10 years experience (stated on lender page, 2026-10-09) 12. **[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) - Licensed in MI (listed on lender page, verified 2026-10-09) - 15 years licensed 13. **[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) - Licensed in MI (listed on lender page, verified 2026-10-09) - 12 years licensed 14. **[Jackson Thomas](https://lendb.ai/lo/jackson-thomas-1190420)** (NMLS 1190420), CrossCountry Mortgage, Dallas, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - 4 years licensed 15. **[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) - Licensed in MI (listed on lender page, verified 2026-10-09) - 5 years licensed 16. **[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) - Licensed in MI (listed on lender page, verified 2026-10-09) - 11 years licensed 17. **[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) - Licensed in MI (listed on lender page, verified 2026-10-09) - 3 years licensed 18. **[Lenae Vandegrift](https://lendb.ai/lo/lenae-vandegrift-649456)** (NMLS 649456), American Pacific Mortgage, Thornton, CO - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - 12 years licensed 19. **[George Komoroski](https://lendb.ai/lo/george-komoroski-16721)** (NMLS 16721), Total Mortgage Services, Milford, CT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - 9 years licensed 20. **[Adam Miller](https://lendb.ai/lo/adam-miller-221065)** (NMLS 221065), LeaderOne Financial, Oak Brook, IL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - 9 years licensed 21. **[Julie Sammons](https://lendb.ai/lo/julie-sammons-870309)** (NMLS 870309), Ruoff Mortgage, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - Branch in Michigan 22. **[Sonia Hashimi](https://lendb.ai/lo/sonia-hashimi-965240)** (NMLS 965240), Loan Factory - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - 12 years licensed 23. **[Timothy McGinty](https://lendb.ai/lo/timothy-mcginty-1443050)** (NMLS 1443050), LeaderOne Financial, Oak Brook, IL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - 9 years licensed 24. **[Alexis Varga](https://lendb.ai/lo/alexis-varga-1473179)** (NMLS 1473179), CrossCountry Mortgage, Chicago, IL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in MI (listed on lender page, verified 2026-10-09) - 1 years licensed 25. **[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) - Licensed in MI (listed on lender page, verified 2026-10-09) - 8 years licensed ## 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/michigan. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._