Loan programs · South Carolina

FHA loan officers in South Carolina

As of 2026-10-10, LenDb lists 222 loan officers licensed in or based in South Carolina whose lender pages show FHA loan work. The top-ranked are Jay Garvens (Churchill Mortgage, Colorado Springs), Melissa Kerbow (Fairway Independent Mortgage Corporation, Madison) and Kate Redman (CrossCountry Mortgage, Evans). Ranking is lender-neutral: specialty evidence first, then a license in SC, 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. 1

    Jay GarvensNMLS 368259

    Churchill Mortgage · Colorado Springs, CO · licensed in 11 states

    • FHA loan
    • First-time buyer
    • VA loan
    • SC 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)
  2. 2

    Melissa KerbowNMLS 715476

    Fairway Independent Mortgage Corporation · Madison, GA · licensed in 2 states

    • FHA loan
    • First-time buyer
    • USDA loan
    • VA loan
    • SC 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)
    • States 20 years of experience (lender page, 2026-10-09)
  3. 3

    Kate RedmanNMLS 880676

    CrossCountry Mortgage · Evans, GA · licensed in 6 states

    • FHA loan
    • VA loan
    • Construction loan
    • Non-QM loan
    • SC 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 2018 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  4. 4

    Jason InglishNMLS 934863

    ALCOVA Mortgage · Cumberland, MD · licensed in 7 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • USDA loan
    • SC 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 20 years of experience (lender page, 2026-10-09)
  5. 5

    Cori DrudgeNMLS 229643

    Ruoff Mortgage · Fishers, IN · licensed in 8 states

    • FHA loan
    • First-time buyer
    • USDA loan
    • VA loan
    • SC 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 27 years of experience (lender page, 2026-10-09)
  6. 6

    John AstrologoNMLS 441861

    CrossCountry Mortgage · White Plains, NY · licensed in 10 states

    • FHA loan
    • Co-op
    • First-time buyer
    • Jumbo loan
    • SC 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 16 years of experience (lender page, 2026-10-09)
  7. 7

    Tracey RadinovicNMLS 997560

    Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states

    • FHA loan
    • Bank statement loan
    • DSCR loan
    • HELOC
    • SC 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 14 years of experience (lender page, 2026-10-09)
  8. 8

    Archie E. VetterNMLS 203614

    Neighborhood Loans · licensed in 20 states

    • FHA loan
    • Jumbo loan
    • Non-QM loan
    • Renovation loan (203k / HomeStyle)
    • SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-10)
    • Licensed since 2020 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-10)
  9. 9

    Matt MierasNMLS 245686

    Guild Mortgage · Charleston, SC · licensed in 8 states

    • FHA loan
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • USDA loan
    • SC 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 Charleston, SC
    • Licensed since 2016 (per Florida records)
    • States 23 years of experience (lender page, 2026-10-09)
  10. 10

    Jackson ThomasNMLS 1190420

    CrossCountry Mortgage · Dallas, TX · licensed in 21 states

    • FHA loan
    • Jumbo loan
    • VA loan
    • SC 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)
  11. 11

    Kristina MelnikNMLS 2316172

    Churchill Mortgage · Roseville, CA · licensed in 6 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • VA loan
    • SC 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 8 years of experience (lender page, 2026-10-09)
  12. 12

    Amy GossNMLS 194181

    Guild Mortgage · Jacksonville, NC · licensed in 12 states

    • FHA loan
    • First-time buyer
    • USDA loan
    • VA loan
    • SC 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 2018 (per Florida records)
  13. 13

    Shannon OdomNMLS 509649

    LeaderOne Financial · Bangor, ME · licensed in 13 states

    • FHA loan
    • Non-QM loan
    • USDA loan
    • VA loan
    • SC 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)
  14. 14

    Sabrina OwensNMLS 2346633

    CrossCountry Mortgage · Lexington, SC · licensed in 2 states

    • FHA loan
    • VA loan
    • SC 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 Lexington, SC
    • Licensed since 2023 (per Florida records)
  15. 15

    Lenae VandegriftNMLS 649456

    American Pacific Mortgage · Thornton, CO · licensed in 10 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • Self-employed
    • SC 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)
  16. 16

    Trevor McFarlandNMLS 38803

    Guild Mortgage · Worcester, MA · licensed in 7 states

    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • SC 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)
  17. 17

    Erin JohnsonNMLS 215208

    First Home Mortgage · La Plata, MD · licensed in 6 states

    • FHA loan
    • First-time buyer
    • USDA loan
    • VA loan
    • SC 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)
    • States 25 years of experience (lender page, 2026-10-09)
  18. 18

    Dan LarkinNMLS 258898

    LeaderOne Financial · Oak Brook, IL · licensed in 18 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • Construction loan
    • SC 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 Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  19. 19

    Brad MabeyNMLS 262718

    Guild Mortgage · Spanish Fork, UT · licensed in 5 states

    • FHA loan
    • First-time buyer
    • VA loan
    • SC 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 20 years of experience (lender page, 2026-10-09)
  20. 20

    Mike SchusterNMLS 1980879

    CrossCountry Mortgage · Columbia, MD · licensed in 22 states

    • FHA loan
    • VA loan
    • First-time buyer
    • SC 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)
  21. 21

    Jason NaderNMLS 313085

    First Home Mortgage · Annapolis, MD · licensed in 7 states

    • FHA loan
    • First-time buyer
    • VA loan
    • USDA loan
    • SC 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)
  22. 22

    Kolby GibsonNMLS 324487

    American Pacific Mortgage · Encinitas, CA · licensed in 9 states

    • FHA loan
    • VA loan
    • SC 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)
  23. 23

    Amy AltenburgNMLS 820600

    Southern Trust Mortgage · Annapolis, MD · licensed in 7 states

    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • USDA loan
    • VA loan
    • SC 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 20 years of experience (lender page, 2026-10-09)
  24. 24

    Brad ZerbeNMLS 161236

    NFM Lending · Haddonfield, NJ · licensed in 7 states

    • FHA loan
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • USDA loan
    • SC 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)
  25. 25

    Reagan FergusonNMLS 1094779

    First Heritage Mortgage · Charleston, SC · licensed in 3 states

    • FHA loan
    • Jumbo loan
    • VA loan
    • SC 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 Charleston, SC

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?

More about FHA 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 SC license is confirmed with the state regulator (check mark), SC 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=SC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.