--- canonical_url: https://lendb.ai/s/fha/texas last_verified: 2026-10-11 --- # FHA loan officers in Texas As of 2026-10-11, LenDb lists 510 loan officers licensed in or based in Texas whose lender pages show FHA loan work. The top-ranked are James Ward (Fairway Independent Mortgage Corporation, Houston), Rob Parham (CrossCountry Mortgage, Plano) and Gina Zavesky (Union Home Mortgage, Victoria). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[James Ward](https://lendb.ai/lo/james-ward-168854)** (NMLS 168854), Fairway Independent Mortgage Corporation, Houston, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Houston, TX - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 2. **[Rob Parham](https://lendb.ai/lo/rob-parham-195722)** (NMLS 195722), CrossCountry Mortgage, Plano, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Plano, TX - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 26 years of experience (lender page, 2026-10-09) 3. **[Gina Zavesky](https://lendb.ai/lo/gina-zavesky-1852924)** (NMLS 1852924), Union Home Mortgage, Victoria, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Victoria, TX - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 20, 2019 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 4. **[Andrew Postell](https://lendb.ai/lo/andrew-postell-392627)** (NMLS 392627), CrossCountry Mortgage, Bedford, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Bedford, TX - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 5. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 10, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 6. **[John Csoka Jr.](https://lendb.ai/lo/john-csoka-212307)** (NMLS 212307), CrossCountry Mortgage, Fairfax, VA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 29, 2022 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 7. **[Pete Mingham](https://lendb.ai/lo/steven-peter-mingham-jr-289586)** (NMLS 289586), Guild Mortgage, Walnut Creek, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 8. **[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) - TX 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) 9. **[Domonique Gray](https://lendb.ai/lo/domonique-gray-900558)** (NMLS 900558), Churchill Mortgage, Brentwood, TN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 26, 2023 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 10. **[Cameron Gemoets](https://lendb.ai/lo/cameron-gemoets-2701842)** (NMLS 2701842), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 18, 2025 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 11. **[Bobby Luu](https://lendb.ai/lo/hong-luu-185192)** (NMLS 185192), American Pacific Mortgage, Reston, VA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 30, 2022 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 12. **[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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 22, 2013 (Colorado), per state regulator - States 18 years of experience (lender page, 2026-10-09) 13. **[Kyle Carrington](https://lendb.ai/lo/kyle-carrington-349423)** (NMLS 349423), Guild Mortgage, Austin, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Austin, TX - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 16 years of experience (lender page, 2026-10-09) 14. **[Erika Alves](https://lendb.ai/lo/erika-alves-659544)** (NMLS 659544), CrossCountry Mortgage, Tampa, FL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 1, 2012 (Florida), per state regulator - States 18 years of experience (lender page, 2026-10-09) 15. **[Adam Missry](https://lendb.ai/lo/adam-missry-182738)** (NMLS 182738), CMG Home Loans, Brooklyn, NY - Lists FHA loan on lender page (lender page, verified 2026-10-11) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-11) 16. **[Nancy Lagunas](https://lendb.ai/lo/nancy-lagunas-749092)** (NMLS 749092), Prosperity Bank, Houston, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Houston, TX - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 15 years of experience (lender page, 2026-10-09) 17. **[Darik Tolnay](https://lendb.ai/lo/darik-tolnay-521445)** (NMLS 521445), CrossCountry Mortgage, Lakewood, CO - Lists FHA loan on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 11, 2013 (Colorado), per state regulator - States 15 years of experience (lender page, 2026-10-09) 18. **[Christopher Cook](https://lendb.ai/lo/christopher-cook-1037205)** (NMLS 1037205), Xpert Home Lending, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Texas - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 7, 2017 (Florida), per state regulator 19. **[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) - Office in Dallas, TX - TX 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 20. **[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) - TX 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) 21. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR - Lists FHA loan on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 31, 2023 (Colorado), per state regulator - States 12 years of experience (lender page, 2026-10-09) 22. **[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) - TX 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) 23. **[Devin Fahrner](https://lendb.ai/lo/devin-fahrner-399405)** (NMLS 399405), American Pacific Mortgage, Eagle, ID - Lists FHA loan on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 28, 2024 (Colorado), per state regulator - States 30 years of experience (lender page, 2026-10-09) 24. **[Antonio Gutierrez](https://lendb.ai/lo/antonio-gutierrez-722537)** (NMLS 722537), Loan Factory, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Texas - TX 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) 25. **[Chuck Espinoza](https://lendb.ai/lo/chuck-espinoza-1153841)** (NMLS 1153841), Guild Mortgage, San Antonio, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in San Antonio, TX - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 32 years of experience (lender page, 2026-10-09) ## 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/texas. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._