--- canonical_url: https://lendb.ai/s/first-time-buyer/alabama last_verified: 2026-10-09 --- # Loan officers for first-time buyers in Alabama As of 2026-10-09, LenDb lists 216 loan officers licensed in or based in Alabama whose lender pages show First-time buyer work. The top-ranked are Adam Workman (CrossCountry Mortgage, Charlotte), Shelley Dunn (Guild Mortgage, Southaven) and Julie Johnson (CrossCountry Mortgage, Seattle). Ranking is lender-neutral: specialty evidence first, then a license in AL, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Adam Workman](https://lendb.ai/lo/adam-workman-128183)** (NMLS 128183), CrossCountry Mortgage, Charlotte, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Shelley Dunn](https://lendb.ai/lo/shelley-dunn-185241)** (NMLS 185241), Guild Mortgage, Southaven, MS - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 3. **[Julie Johnson](https://lendb.ai/lo/julie-johnson-302214)** (NMLS 302214), CrossCountry Mortgage, Seattle, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 4. **[Charity Cummings](https://lendb.ai/lo/charity-cummings-404245)** (NMLS 404245), Guild Mortgage, Bentonville, AR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL 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) 5. **[Tammy C White](https://lendb.ai/lo/tammy-c-white-453643)** (NMLS 453643), Guild Mortgage, Columbus, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 22 years of experience (lender page, 2026-10-09) 6. **[Chad Rankin](https://lendb.ai/lo/robert-rankin-490282)** (NMLS 490282), Guild Mortgage, Worcester, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 7. **[Denise Lott](https://lendb.ai/lo/denise-lott-704436)** (NMLS 704436), Union Home Mortgage, Savannah, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 8. **[Melissa Kerbow](https://lendb.ai/lo/melissa-kerbow-715476)** (NMLS 715476), Fairway Independent Mortgage Corporation, Madison, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 9. **[Troy Rabidoux](https://lendb.ai/lo/troy-rabidoux-771053)** (NMLS 771053), Union Home Mortgage, Rochester, MI - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 10. **[Meg Hicks](https://lendb.ai/lo/meg-hicks-994024)** (NMLS 994024), CrossCountry Mortgage, Vestavia, AL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Vestavia, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 11. **[Greg Jackson](https://lendb.ai/lo/gregory-jackson-1105139)** (NMLS 1105139), CrossCountry Mortgage, Alpharetta, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 12. **[Joe Donovan](https://lendb.ai/lo/joe-donovan-1450210)** (NMLS 1450210), CrossCountry Mortgage, Suwanee, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL 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) 13. **[AJ DiCarlo](https://lendb.ai/lo/andrew-dicarlo-2488670)** (NMLS 2488670), CrossCountry Mortgage, Fort Walton Beach, FL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 14. **[Aaron Sanders](https://lendb.ai/lo/aaron-sanders-2555076)** (NMLS 2555076), CrossCountry Mortgage, Delray Beach, FL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 15. **[Joe McBreen](https://lendb.ai/lo/joseph-mcbreen-686541)** (NMLS 686541), CrossCountry Mortgage, Michigan City, IN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 16 years of experience (lender page, 2026-10-09) 16. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 17. **[Jessica Ochoa](https://lendb.ai/lo/jessica-ochoa-525089)** (NMLS 525089), Fairway Independent Mortgage Corporation, Richmond Hill, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 18. **[Chris Corley](https://lendb.ai/lo/chris-corley-1173426)** (NMLS 1173426), Guild Mortgage, Madison, MS - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL 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) 19. **[Fernando Lopez](https://lendb.ai/lo/fernando-lopez-1783207)** (NMLS 1783207), Guild Mortgage, Savannah, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL 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) 20. **[Devin Fahrner](https://lendb.ai/lo/devin-fahrner-399405)** (NMLS 399405), American Pacific Mortgage, Eagle, ID - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Colorado records) - States 30 years of experience (lender page, 2026-10-09) 21. **[Todd Blake](https://lendb.ai/lo/allan-blake-196726)** (NMLS 196726), Guild Mortgage, Alpharetta, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 22. **[Dawn Schowalter](https://lendb.ai/lo/dawn-schowalter-211115)** (NMLS 211115), Guild Mortgage, Richmond, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 23. **[Jason Lucas](https://lendb.ai/lo/jason-lucas-457906)** (NMLS 457906), Homeowners Financial Group, Atlanta, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL 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) 24. **[Teechee Buhnerkemper](https://lendb.ai/lo/teechee-buhnerkemper-459860)** (NMLS 459860), Guild Mortgage, Orange Park, FL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 25. **[Jordan Parker](https://lendb.ai/lo/jordan-parker-2484877)** (NMLS 2484877), CrossCountry Mortgage, Decatur, AL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Decatur, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 3 years of experience (lender page, 2026-10-09) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/first-time-buyer/alabama. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._