--- canonical_url: https://lendb.ai/s/fha/virginia last_verified: 2026-10-09 --- # FHA loan officers in Virginia As of 2026-10-09, LenDb lists 387 loan officers licensed in or based in Virginia whose lender pages show FHA loan work. The top-ranked are Mike Eastman (First Heritage Mortgage, Fairfax), Jolayne Craig (Atlantic Coast Mortgage, Fredericksburg) and James F. Gaudiosi (Atlantic Coast Mortgage, Fairfax). Ranking is lender-neutral: specialty evidence first, then a license in VA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Mike Eastman](https://lendb.ai/lo/michael-eastman-21108)** (NMLS 21108), First Heritage Mortgage, Fairfax, VA - 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 - No disciplinary actions on file at LenDb 2. **[Jolayne Craig](https://lendb.ai/lo/jolayne-craig-290277)** (NMLS 290277), Atlantic Coast Mortgage, Fredericksburg, VA - 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) - No disciplinary actions on file at LenDb 3. **[James F. Gaudiosi](https://lendb.ai/lo/james-f-gaudiosi-474088)** (NMLS 474088), Atlantic Coast Mortgage, Fairfax, VA - 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) - No disciplinary actions on file at LenDb 4. **[Lori Jule](https://lendb.ai/lo/lori-jule-190409)** (NMLS 190409), Atlantic Coast Mortgage, Fairfax, VA - 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 - No disciplinary actions on file at LenDb 5. **[Mea Danigelis](https://lendb.ai/lo/maria-danigelis-770981)** (NMLS 770981), Atlantic Coast Mortgage, Fairfax, VA - 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 - No disciplinary actions on file at LenDb 6. **[Wayne Palkovic](https://lendb.ai/lo/wayne-palkovic-201581)** (NMLS 201581), Embrace Home Loans, Martinsburg, WV - 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 7. **[Bill Gaylord](https://lendb.ai/lo/bill-gaylord-680603)** (NMLS 680603), Guild Mortgage, Henderson, NV - 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 8. **[Bruce Rider](https://lendb.ai/lo/bruce-rider-311915)** (NMLS 311915), First Heritage Mortgage, Prince Frederick, MD - 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 9. **[Tiffany Arnold](https://lendb.ai/lo/tiffany-arnold-646417)** (NMLS 646417), NFM Lending, Richmond, VA - 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 - No disciplinary actions on file at LenDb 10. **[Kevin Holmes](https://lendb.ai/lo/kevin-holmes-193246)** (NMLS 193246), NFM Lending, Linthicum, MD - 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 11. **[Ryan Hadley](https://lendb.ai/lo/ryan-hadley-1760292)** (NMLS 1760292), First Heritage Mortgage - 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 12. **[Robert Taylor](https://lendb.ai/lo/robert-taylor-132188)** (NMLS 132188), First Home Mortgage, Baltimore, MD - 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 13. **[Tom Fazio](https://lendb.ai/lo/thomas-fazio-268035)** (NMLS 268035), American Pacific Mortgage, St. Augustine, FL - 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. **[Ray Ward](https://lendb.ai/lo/ray-ward-264957)** (NMLS 264957), Atlantic Coast Mortgage - 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 15. **[Rich Conlon](https://lendb.ai/lo/richard-conlon-886522)** (NMLS 886522), Atlantic Coast Mortgage, Fairfax, VA - 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 - No disciplinary actions on file at LenDb 16. **[Benjamin Lacey](https://lendb.ai/lo/benjamin-lacey-2005162)** (NMLS 2005162), Southern Trust Mortgage, Virginia Beach, VA - 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 - No disciplinary actions on file at LenDb 17. **[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) - Licensed in VA (listed on lender page, verified 2026-10-09) - Branch in Virginia - 3 years licensed - No disciplinary actions on file at LenDb 18. **[Kristina Hayes](https://lendb.ai/lo/kristina-hayes-1057175)** (NMLS 1057175), Churchill Mortgage, Irvine, CA - 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 19. **[Pat Miller](https://lendb.ai/lo/patrick-miller-698968)** (NMLS 698968), Southern Trust Mortgage, Virginia Beach, VA - 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 - No disciplinary actions on file at LenDb 20. **[Mei Mee Yuen](https://lendb.ai/lo/mei-yuen-808120)** (NMLS 808120), Loan Factory - 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 21. **[Corey Husted](https://lendb.ai/lo/corey-husted-1248167)** (NMLS 1248167), Intercap Lending, San Diego, CA - 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 22. **[Deborah Park](https://lendb.ai/lo/hyo-park-1113558)** (NMLS 1113558), Southern Trust Mortgage, Virginia Beach, VA - 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 - No disciplinary actions on file at LenDb 23. **[Lori Mintzer](https://lendb.ai/lo/lori-mintzer-199526)** (NMLS 199526), First Heritage Mortgage - 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 24. **[David Johnston](https://lendb.ai/lo/david-johnston-211851)** (NMLS 211851), Southern Trust Mortgage, Midlothian, VA - 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 - No disciplinary actions on file at LenDb 25. **[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) - Licensed in VA (listed on lender page, verified 2026-10-09) - 10 years licensed - No disciplinary actions on file at LenDb ## 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/virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._