--- canonical_url: https://lendb.ai/s/first-time-buyer/arkansas last_verified: 2026-10-11 --- # Loan officers for first-time buyers in Arkansas As of 2026-10-11, LenDb lists 118 loan officers licensed in or based in Arkansas whose lender pages show First-time buyer work. The top-ranked are Charity Cummings (Guild Mortgage, Bentonville), Adam Workman (CrossCountry Mortgage, Charlotte) and Shelley Dunn (Guild Mortgage, Southaven). Ranking is lender-neutral: specialty evidence first, then a license in AR, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - Office in Bentonville, AR - AR 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) 2. **[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) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 9, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 3. **[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) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 28, 2022 (Florida), per state regulator - States 24 years of experience (lender page, 2026-10-09) 4. **[Kyrstin Zimmermann](https://lendb.ai/lo/aimee-zimmermann-307963)** (NMLS 307963), CrossCountry Mortgage, Willow Park, TX - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 2, 2022 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 5. **[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) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 9, 2017 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 6. **[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) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 31, 2023 (Florida), per state regulator - States 21 years of experience (lender page, 2026-10-09) 7. **[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) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 16, 2018 (Florida), per state regulator - States 16 years of experience (lender page, 2026-10-09) 8. **[John Markman](https://lendb.ai/lo/john-markman-1660491)** (NMLS 1660491), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 16 years of experience (lender page, 2026-10-09) 9. **[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) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 28, 2019 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 10. **[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) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 28, 2024 (Colorado), per state regulator - States 30 years of experience (lender page, 2026-10-09) 11. **[Eunice Parham](https://lendb.ai/lo/eunice-parham-1395986)** (NMLS 1395986), CMG Home Loans, Eugene, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-11) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 12 years of experience (lender page, 2026-10-11) 12. **[Candace Cagle](https://lendb.ai/lo/candace-cagle-878436)** (NMLS 878436), CrossCountry Mortgage, Houston, TX - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 13. **[Wes Black](https://lendb.ai/lo/wes-black-2029937)** (NMLS 2029937), Guild Mortgage, Bentonville, AR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Bentonville, AR - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 6 years of experience (lender page, 2026-10-09) 14. **[Mitchell Scott](https://lendb.ai/lo/mitchell-scott-1313748)** (NMLS 1313748), CrossCountry Mortgage, Springfield, MO - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 11, 2026 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-09) 15. **[Yanni Stefanidis](https://lendb.ai/lo/ioannis-stefanidis-1725443)** (NMLS 1725443), Churchill Mortgage, Irvine, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 27, 2026 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-09) 16. **[Angie Turley](https://lendb.ai/lo/angela-turley-363066)** (NMLS 363066), Fairway Independent Mortgage Corporation, Mooresville, IN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 14, 2019 (Florida), per state regulator 17. **[Yesenia Sanabria](https://lendb.ai/lo/yesenia-sanabria-1932716)** (NMLS 1932716), Guild Mortgage, Bentonville, AR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Bentonville, AR - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Karen Chiu](https://lendb.ai/lo/karen-chiu-611778)** (NMLS 611778), CrossCountry Mortgage, San Gabriel, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 1, 2020 (Colorado), per state regulator 19. **[Caylab Herrera](https://lendb.ai/lo/caylab-herrera-2035377)** (NMLS 2035377), Churchill Mortgage, Allen, TX - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 6 years of experience (lender page, 2026-10-09) 20. **[Nicole Falgout](https://lendb.ai/lo/nicole-falgout-2253729)** (NMLS 2253729), Guild Mortgage, Bentonville, AR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Bentonville, AR - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Chuck Butterfield](https://lendb.ai/lo/chuck-butterfield-176620)** (NMLS 176620), Churchill Mortgage - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 22, 2014 (Colorado), per state regulator 22. **[Keith Collins](https://lendb.ai/lo/keith-collins-308355)** (NMLS 308355), Edge Home Finance - Lists First-time buyer on lender page (lender page, verified 2026-10-11) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-11) 23. **[Sonia Hashimi](https://lendb.ai/lo/sonia-hashimi-965240)** (NMLS 965240), Loan Factory - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 19, 2020 (Florida), per state regulator 24. **[Cierra Davis](https://lendb.ai/lo/cierra-davis-2216290)** (NMLS 2216290), Guild Mortgage, Mountain Brook, AL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 14, 2024 (Florida), per state regulator 25. **[Miranda Dailey](https://lendb.ai/lo/miranda-dailey-210436)** (NMLS 210436), Guild Mortgage, Little Rock, AR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Little Rock, AR - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 13, 2017 (Florida), per state regulator - States 19 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/arkansas. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._