Borrower situations · Alabama
Loan officers for first-time buyers in Alabama
As of 2026-10-09, LenDb lists 291 loan officers licensed in or based in Alabama whose lender pages show First-time buyer work. The top-ranked are Kim Brooks (Guild Mortgage, Mobile), Meg Hicks (CrossCountry Mortgage, Vestavia) and Kyla Whitmore (Success Mortgage Partners, Anniston). Ranking is lender-neutral: specialty evidence first, then a license in AL, 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
Kim BrooksNMLS 335539
Guild Mortgage · Mobile, AL
- First-time buyer
- Construction loan
- Down payment assistance
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 30 years experience (stated on lender page, 2026-10-09)
- 2
Meg HicksNMLS 994024
CrossCountry Mortgage · Vestavia, AL · licensed in 4 states
- First-time buyer
- FHA loan
- Jumbo loan
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 11 years licensed
- 3
Kyla WhitmoreNMLS 656799
Success Mortgage Partners · Anniston, AL · licensed in 3 states
- First-time buyer
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 13 years experience (stated on lender page, 2026-10-09)
- 4
Morgan HughesNMLS 2143744
CrossCountry Mortgage · Montgomery, AL
- First-time buyer
- Down payment assistance
- FHA loan
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- No disciplinary actions on file at LenDb
- 5
Jeff MyersNMLS 2169145
CrossCountry Mortgage · Decatur, AL · licensed in 2 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- No disciplinary actions on file at LenDb
- 6
Angel ThompsonNMLS 2397051
CrossCountry Mortgage · Decatur, AL
- First-time buyer
- USDA loan
- VA loan
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- No disciplinary actions on file at LenDb
- 7
Joe McBreenNMLS 686541
CrossCountry Mortgage · Michigan City, IN · licensed in 22 states
- First-time buyer
- Real estate investor
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 8
Charity CummingsNMLS 404245
Guild Mortgage · Bentonville, AR · licensed in 4 states
- First-time buyer
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (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
- 9
Tammy C WhiteNMLS 453643
Guild Mortgage · Columbus, GA · licensed in 2 states
- First-time buyer
- FHA loan
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 22 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 10
Jeffrey ZulaufNMLS 18566
CrossCountry Mortgage · Suwanee, GA · licensed in 22 states
- First-time buyer
- Condo
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 11
Kevin HolmesNMLS 193246
NFM Lending · Linthicum, MD · licensed in 23 states
- First-time buyer
- FHA loan
- Jumbo loan
- USDA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 12
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- First-time buyer
- Down payment assistance
- Jumbo loan
- Physician and medical professional
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 13
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 14
Jeff LongNMLS 183949
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 35 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 15
Todd BlakeNMLS 196726
Guild Mortgage · Alpharetta, GA · licensed in 6 states
- First-time buyer
- New construction
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 16
Chris CorleyNMLS 1173426
Guild Mortgage · Madison, MS · licensed in 2 states
- First-time buyer
- FHA loan
- Jumbo loan
- Non-QM loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 15 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 17
Fernando LopezNMLS 1783207
Guild Mortgage · Savannah, GA · licensed in 2 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 15 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 18
Cierra DavisNMLS 2216290
Guild Mortgage · Mountain Brook, AL · licensed in 13 states
- First-time buyer
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 2 years licensed
- 19
Andrea WestNMLS 543208
CrossCountry Mortgage · Slidell, LA · licensed in 3 states
- First-time buyer
- Condo
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 20
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- First-time buyer
- Condo
- Non-QM loan
- New construction
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 21
AJ DiCarloNMLS 2488670
CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 11 states
- First-time buyer
- Construction loan
- Real estate investor
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 22
Mike EastmanNMLS 21108
First Heritage Mortgage · Fairfax, VA · licensed in 12 states
- First-time buyer
- FHA loan
- Jumbo loan
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 23
Joey ReidNMLS 197798
Embrace Home Loans · Mobile, AL · licensed in 2 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- No disciplinary actions on file at LenDb
- 24
Aaron SandersNMLS 2555076
CrossCountry Mortgage · Delray Beach, FL · licensed in 19 states
- First-time buyer
- Real estate investor
- VA loan
- Construction loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 25
Lee DozierNMLS 40422
Churchill Mortgage · Brentwood, TN · licensed in 9 states
- First-time buyer
- FHA loan
- Real estate investor
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
Before you choose
The best options combine programs (FHA, conventional low down, local assistance) and need patient guidance through the process.
- Which low down payment programs fit my situation?
- Am I eligible for any first-time buyer assistance here?
- What will my total cash to close be?
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 AL 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=first-time-buyer&state=AL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.