Loan programs · New Mexico
FHA loan officers in New Mexico
As of 2026-10-09, LenDb lists 74 loan officers licensed in or based in New Mexico whose lender pages show FHA loan work. The top-ranked are Brenda Gonzales (Guild Mortgage, Albuquerque), Jay Garvens (Churchill Mortgage, Colorado Springs) and Bruce Gibson (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in NM, 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
Brenda GonzalesNMLS 2638408
Guild Mortgage · Albuquerque, NM
- FHA loan
- VA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Office in Albuquerque, NM
- States 25 years of experience (lender page, 2026-10-09)
- 2
Jay GarvensNMLS 368259
Churchill Mortgage · Colorado Springs, CO · licensed in 11 states
- FHA loan
- First-time buyer
- VA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2007 (per Colorado records)
- States 25 years of experience (lender page, 2026-10-09)
- 3
Bruce GibsonNMLS 501286
Xpert Home Lending · Mortgage broker · licensed in 3 states
- FHA loan
- HELOC
- Real estate investor
- Reverse mortgage
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 4
Darik TolnayNMLS 521445
CrossCountry Mortgage · Lakewood, CO · licensed in 8 states
- FHA loan
- Jumbo loan
- VA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- States 15 years of experience (lender page, 2026-10-09)
- 5
Jackson ThomasNMLS 1190420
CrossCountry Mortgage · Dallas, TX · licensed in 21 states
- FHA loan
- Jumbo loan
- VA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Colorado records)
- 6
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- FHA loan
- First-time buyer
- Real estate investor
- Self-employed
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Colorado records)
- 7
Josh PenlandNMLS 216357
Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states
- FHA loan
- First-time buyer
- Jumbo loan
- Real estate investor
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 8
Emily MagillNMLS 279638
Intercap Lending · Pleasant Grove, UT · licensed in 4 states
- FHA loan
- Jumbo loan
- USDA loan
- VA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- States 28 years of experience (lender page, 2026-10-09)
- 9
Matt ShinerNMLS 1260521
NFM Lending · Tempe, AZ · licensed in 9 states
- FHA loan
- Jumbo loan
- VA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 10
James McMurreyNMLS 2302283
CrossCountry Mortgage · Lacey, WA · licensed in 25 states
- FHA loan
- USDA loan
- VA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- 11
Burx NorrodNMLS 852144
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 2 states
- FHA loan
- Jumbo loan
- Reverse mortgage
- USDA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- 12
Danny DrysdaleNMLS 874523
Intercap Lending · San Diego, CA · licensed in 12 states
- FHA loan
- Jumbo loan
- VA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 13
Ryne BernalNMLS 2052424
Churchill Mortgage · Allen, TX · licensed in 5 states
- FHA loan
- VA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- 14
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- FHA loan
- Condo
- Down payment assistance
- Jumbo loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Colorado records)
- 15
Kelly McReynoldsNMLS 1480497
Guild Mortgage · Albuquerque, NM
- FHA loan
- Down payment assistance
- First-time buyer
- Jumbo loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Office in Albuquerque, NM
- 16
Gregory DossNMLS 1787756
Guild Mortgage · Albuquerque, NM · licensed in 2 states
- FHA loan
- VA loan
- Down payment assistance
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Office in Albuquerque, NM
- 17
Rachelle CoffeyNMLS 203664
Homeowners Financial Group · Scottsdale, AZ · licensed in 10 states
- FHA loan
- First-time buyer
- Down payment assistance
- VA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- 18
Kevin RudrudNMLS 335381
NFM Lending · Kailua-Kona, HI · licensed in 7 states
- FHA loan
- First-time buyer
- Vacation home
- VA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- 19
Christopher GonzalesNMLS 403871
JPMorgan Chase Bank (Chase Home Lending) · Bank · Albuquerque, NM
- FHA loan
- Down payment assistance
- Jumbo loan
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Office in Albuquerque, NM
- States 15 years of experience (lender page, 2026-10-09)
- 20
Kenneth LockeNMLS 87627
CrossCountry Mortgage · Newport Beach, CA · licensed in 10 states
- FHA loan
- Jumbo loan
- VA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- 21
Ari WrenNMLS 2012580
American Pacific Mortgage · El Paso, TX · licensed in 3 states
- FHA loan
- ITIN borrower
- Construction loan
- Renovation loan (203k / HomeStyle)
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- 22
Randy MontoyaNMLS 198143
JPMorgan Chase Bank (Chase Home Lending) · Bank · Albuquerque, NM
- FHA loan
- Vacation home
- VA loan
- First-time buyer
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Office in Albuquerque, NM
- 23
Kellie BuchananNMLS 744052
Highlands Residential Mortgage · Angel Fire, NM · licensed in 6 states
- FHA loan
- Down payment assistance
- Condo
- Manufactured home
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Office in Angel Fire, NM
- Licensed since 2019 (per Colorado records)
- States 34 years of experience (lender page, 2026-10-09)
- 24
Michael HatzidakisNMLS 49844
CrossCountry Mortgage · Melville, NY · licensed in 7 states
- FHA loan
- First-time buyer
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 25
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
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 are listed when a NM license is confirmed with the state regulator (check mark), NM is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=fha&state=NM. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.