--- canonical_url: https://lendb.ai/s/fha/south-carolina last_verified: 2026-10-10 --- # FHA loan officers in South Carolina As of 2026-10-10, LenDb lists 223 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. ## Ranked, with reasons 1. **[Jay Garvens](https://lendb.ai/lo/jay-garvens-368259)** (NMLS 368259), Churchill Mortgage, Colorado Springs, CO - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 25, 2007 (Colorado), per state regulator - States 25 years of experience (lender page, 2026-10-09) 2. **[Melissa Kerbow](https://lendb.ai/lo/melissa-kerbow-715476)** (NMLS 715476), Fairway Independent Mortgage Corporation, Madison, GA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 27, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 3. **[Kate Redman](https://lendb.ai/lo/kathleen-redman-880676)** (NMLS 880676), CrossCountry Mortgage, Evans, GA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 19, 2018 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 4. **[Jason Inglish](https://lendb.ai/lo/jason-inglish-934863)** (NMLS 934863), ALCOVA Mortgage, Cumberland, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 26, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 5. **[Cori Drudge](https://lendb.ai/lo/cori-drudge-229643)** (NMLS 229643), Ruoff Mortgage, Fishers, IN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 14, 2022 (Florida), per state regulator - States 27 years of experience (lender page, 2026-10-09) 6. **[John Astrologo](https://lendb.ai/lo/john-astrologo-441861)** (NMLS 441861), CrossCountry Mortgage, White Plains, NY - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 22, 2022 (Florida), per state regulator - States 16 years of experience (lender page, 2026-10-09) 7. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 24, 2025 (Florida), per state regulator - States 14 years of experience (lender page, 2026-10-09) 8. **[Archie E. Vetter](https://lendb.ai/lo/archie-vetter-203614)** (NMLS 203614), Neighborhood Loans - Lists FHA loan on lender page (lender page, verified 2026-10-10) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 13, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-10) 9. **[Matt Mieras](https://lendb.ai/lo/matthew-mieras-245686)** (NMLS 245686), Guild Mortgage, Charleston, SC - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Charleston, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 1, 2016 (Florida), per state regulator - States 23 years of experience (lender page, 2026-10-09) 10. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 10, 2017 (Colorado), per state regulator 11. **[Kristina Melnik](https://lendb.ai/lo/kvitoslava-melnik-2316172)** (NMLS 2316172), Churchill Mortgage, Roseville, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 30, 2025 (Florida), per state regulator - States 8 years of experience (lender page, 2026-10-09) 12. **[Amy Goss](https://lendb.ai/lo/amy-goss-194181)** (NMLS 194181), Guild Mortgage, Jacksonville, NC - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 11, 2018 (Florida), per state regulator 13. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 16, 2021 (Florida), per state regulator 14. **[Sabrina Owens](https://lendb.ai/lo/sabrina-owens-2346633)** (NMLS 2346633), CrossCountry Mortgage, Lexington, SC - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Lexington, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 14, 2023 (Florida), per state regulator 15. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 27, 2016 (Colorado), per state regulator 16. **[Trevor McFarland](https://lendb.ai/lo/trevor-mcfarland-38803)** (NMLS 38803), Guild Mortgage, Worcester, MA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 17, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 17. **[Erin Johnson](https://lendb.ai/lo/erin-johnson-215208)** (NMLS 215208), First Home Mortgage, La Plata, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 3, 2026 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 18. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 11, 2017 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 19. **[Brad Mabey](https://lendb.ai/lo/brad-mabey-262718)** (NMLS 262718), Guild Mortgage, Spanish Fork, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC 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) 20. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 5, 2021 (Florida), per state regulator 21. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 15, 2019 (Florida), per state regulator 22. **[Kolby Gibson](https://lendb.ai/lo/kolby-gibson-324487)** (NMLS 324487), American Pacific Mortgage, Encinitas, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 14, 2022 (Florida), per state regulator 23. **[Amy Altenburg](https://lendb.ai/lo/amy-altenburg-820600)** (NMLS 820600), Southern Trust Mortgage, Annapolis, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 26, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 24. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 28, 2025 (Florida), per state regulator 25. **[Reagan Ferguson](https://lendb.ai/lo/reagan-ferguson-1094779)** (NMLS 1094779), First Heritage Mortgage, Charleston, SC - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Charleston, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/south-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._