Loan programs · Virginia
FHA loan officers in Virginia
As of 2026-10-09, LenDb lists 303 loan officers licensed in or based in Virginia whose lender pages show FHA loan work. The top-ranked are Joel Bisaillon (JPMorgan Chase Bank (Chase Home Lending), Fairfax), Mike Eastman (First Heritage Mortgage, Fairfax) and Jolayne Craig (Atlantic Coast Mortgage, Fredericksburg). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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
Joel BisaillonNMLS 565921
JPMorgan Chase Bank (Chase Home Lending) · Fairfax, VA
- FHA loan
- Co-op
- Condo
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 22 years experience (stated on lender page, 2026-10-09)
- 2
Mike EastmanNMLS 21108
First Heritage Mortgage · Fairfax, VA · licensed in 12 states
- FHA loan
- Jumbo loan
- VA loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 15 years licensed
- 3
Jolayne CraigNMLS 290277
Atlantic Coast Mortgage · Fredericksburg, VA · licensed in 4 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 30 years experience (stated on lender page, 2026-10-09)
- 4
James F. GaudiosiNMLS 474088
Atlantic Coast Mortgage · Fairfax, VA · licensed in 3 states
- FHA loan
- Construction loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 23 years experience (stated on lender page, 2026-10-09)
- 5
Lori JuleNMLS 190409
Atlantic Coast Mortgage · Fairfax, VA · licensed in 27 states
- FHA loan
- Jumbo loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 15 years licensed
- 6
Mea DanigelisNMLS 770981
Atlantic Coast Mortgage · Fairfax, VA · licensed in 9 states
- FHA loan
- Construction loan
- First-time buyer
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 9 years licensed
- 7
Wayne PalkovicNMLS 201581
Embrace Home Loans · Martinsburg, WV · licensed in 4 states
- FHA loan
- Jumbo loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 43 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 8
Bill GaylordNMLS 680603
Guild Mortgage · Henderson, NV · licensed in 7 states
- FHA loan
- DSCR loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 33 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 9
Bruce RiderNMLS 311915
First Heritage Mortgage · Prince Frederick, MD · licensed in 2 states
- FHA loan
- Construction loan
- VA loan
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 10
Tiffany ArnoldNMLS 646417
NFM Lending · Richmond, VA · licensed in 13 states
- FHA loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 5 years licensed
- 11
Kevin HolmesNMLS 193246
NFM Lending · Linthicum, MD · licensed in 23 states
- FHA loan
- First-time buyer
- Jumbo loan
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 12
Ryan HadleyNMLS 1760292
First Heritage Mortgage · licensed in 7 states
- FHA loan
- VA loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 30 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 13
Robert TaylorNMLS 132188
First Home Mortgage · Baltimore, MD · licensed in 7 states
- FHA loan
- Non-QM loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 14
Tom FazioNMLS 268035
American Pacific Mortgage · St. Augustine, FL · licensed in 3 states
- FHA loan
- Construction loan
- Reverse mortgage
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 15
Ray WardNMLS 264957
Atlantic Coast Mortgage · licensed in 2 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 26 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 16
Rich ConlonNMLS 886522
Atlantic Coast Mortgage · Fairfax, VA · licensed in 6 states
- FHA loan
- First-time buyer
- Jumbo loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 5 years licensed
- 17
Benjamin LaceyNMLS 2005162
Southern Trust Mortgage · Virginia Beach, VA · licensed in 3 states
- FHA loan
- First-time buyer
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 4 years licensed
- 18
Bobby LuuNMLS 185192
American Pacific Mortgage · Reston, VA · licensed in 8 states
- FHA loan
- First-time buyer
- Jumbo loan
- Non-QM loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 3 years licensed
- 19
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- FHA loan
- Non-QM loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 20
Ling DublinNMLS 955744
JPMorgan Chase Bank (Chase Home Lending) · Washington, DC · licensed in 3 states
- FHA loan
- Self-employed
- VA loan
- Down payment assistance
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 14 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 21
Pat MillerNMLS 698968
Southern Trust Mortgage · Virginia Beach, VA · licensed in 3 states
- FHA loan
- Down payment assistance
- First-time buyer
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 3 years licensed
- 22
Mei Mee YuenNMLS 808120
Loan Factory · licensed in 2 states
- FHA loan
- Down payment assistance
- First-time buyer
- HELOC
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 23
Corey HustedNMLS 1248167
Intercap Lending · San Diego, CA · licensed in 3 states
- FHA loan
- First-time buyer
- Jumbo loan
- Self-employed
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 24
Deborah ParkNMLS 1113558
Southern Trust Mortgage · Virginia Beach, VA · licensed in 2 states
- FHA loan
- VA loan
- Real estate investor
- Renovation loan (203k / HomeStyle)
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 4 years licensed
- 25
Lori MintzerNMLS 199526
First Heritage Mortgage · licensed in 3 states
- FHA loan
- VA loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
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 must be licensed in VA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=fha&state=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.