--- canonical_url: https://lendb.ai/s/fha/west-virginia last_verified: 2026-10-09 --- # FHA loan officers in West Virginia As of 2026-10-09, LenDb lists 41 loan officers licensed in or based in West Virginia whose lender pages show FHA loan work. The top-ranked are Wayne Palkovic (Embrace Home Loans, Martinsburg), Scott Reese (CrossCountry Mortgage, Cleveland) and Domonique Gray (Churchill Mortgage, Brentwood). Ranking is lender-neutral: specialty evidence first, then a license in WV, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - Office in Martinsburg, WV - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 43 years of experience (lender page, 2026-10-09) 2. **[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) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[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) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 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) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 5. **[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) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 6. **[Joshua Phillips](https://lendb.ai/lo/joshua-phillips-157670)** (NMLS 157670), Churchill Mortgage, Brentwood, TN - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 7. **[Will Pendergraft](https://lendb.ai/lo/william-pendergraft-887706)** (NMLS 887706), Churchill Mortgage - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 8. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 9. **[Jordan Taylor](https://lendb.ai/lo/jordan-taylor-1862550)** (NMLS 1862550), Fairway Independent Mortgage Corporation, Fredericksburg, VA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 10. **[Heather Devoto](https://lendb.ai/lo/heather-devoto-186983)** (NMLS 186983), First Home Mortgage, McLean, VA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[Kristi Hardy](https://lendb.ai/lo/kristi-hardy-194938)** (NMLS 194938), Atlantic Coast Mortgage, Fairfax, VA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 12. **[Miriam Carter](https://lendb.ai/lo/miriam-carter-626707)** (NMLS 626707), JPMorgan Chase Bank (Chase Home Lending), Barboursville, WV - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Barboursville, WV - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 13. **[John LaMorte](https://lendb.ai/lo/john-lamorte-183959)** (NMLS 183959), CrossCountry Mortgage, Fairfax, VA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 34 years of experience (lender page, 2026-10-09) 14. **[Paul Harsanyi](https://lendb.ai/lo/paul-harsanyi-189801)** (NMLS 189801), CrossCountry Mortgage, North Bethesda, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 15. **[Frank Cimperman](https://lendb.ai/lo/frank-cimperman-194237)** (NMLS 194237), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 16. **[Aaron Denton](https://lendb.ai/lo/jeremiah-denton-370202)** (NMLS 370202), CrossCountry Mortgage, Batavia, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 17. **[Jay Cox](https://lendb.ai/lo/jeremiah-cox-448416)** (NMLS 448416), CrossCountry Mortgage, Pittsburgh, PA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 18. **[Betsy Santellano](https://lendb.ai/lo/elizabeth-santellano-493899)** (NMLS 493899), CrossCountry Mortgage, Deerfield, IL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 19. **[Pete Tibaldi](https://lendb.ai/lo/peter-tibaldi-260135)** (NMLS 260135), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) 20. **[Kathy Johnson](https://lendb.ai/lo/kathy-johnson-1402120)** (NMLS 1402120), CrossCountry Mortgage, Houston, TX - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 21. **[Jerry Crowder](https://lendb.ai/lo/jerry-crowder-436485)** (NMLS 436485), CrossCountry Mortgage, Cincinnati, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Colorado records) 22. **[Jennifer Wilson](https://lendb.ai/lo/jennifer-wilson-798613)** (NMLS 798613), CrossCountry Mortgage, Morgantown, WV - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Morgantown, WV - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Terry Mumaw](https://lendb.ai/lo/terry-mumaw-1566641)** (NMLS 1566641), CrossCountry Mortgage, Martinsburg, WV - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Martinsburg, WV - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[Adam Crum](https://lendb.ai/lo/adam-crum-1787074)** (NMLS 1787074), CrossCountry Mortgage, Martinsburg, WV - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Martinsburg, WV - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 25. **[Jenny Ligon](https://lendb.ai/lo/jenny-ligon-2006861)** (NMLS 2006861), CrossCountry Mortgage, Martinsburg, WV - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Office in Martinsburg, WV - WV 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/west-virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._