{ "canonical_url": "https://lendb.ai/s/first-time-buyer/california", "summary": "As of 2026-10-11, LenDb lists 737 loan officers licensed in or based in California whose lender pages show First-time buyer work. The top-ranked are Vina Guerrero (First Citizens Bank, Pasadena), Kristina Hernandez (Homeowners Financial Group, Folsom) and Thomas Frank Weikel (Guild Mortgage, Carlsbad). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "first-time-buyer", "state": "CA", "total": 737, "last_verified": "2026-10-11", "results": [ { "rank": 1, "score": 63, "loan_officer": { "nmls_id": 262835, "slug": "vina-guerrero-262835", "full_name": "Vina Guerrero", "canonical_url": "https://lendb.ai/lo/vina-guerrero-262835", "json_url": "https://lendb.ai/lo/vina-guerrero-262835.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "Pasadena", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/pasadena/vina-guerrero", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Pasadena, CA", "CA 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)" ], "canonical_url": "https://lendb.ai/lo/vina-guerrero-262835", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://bankers.firstcitizens.com/mortgage/ca/pasadena/vina-guerrero" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62.8, "loan_officer": { "nmls_id": 225677, "slug": "kristina-hernandez-225677", "full_name": "Kristina Hernandez", "canonical_url": "https://lendb.ai/lo/kristina-hernandez-225677", "json_url": "https://lendb.ai/lo/kristina-hernandez-225677.json", "lender": { "nmls_id": 93718, "name": "Homeowners Financial Group", "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718", "type": "imb" }, "branch": { "city": "Folsom", "state": "CA" }, "licensed_states": [ "CA", "TX" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 29, "lender_profile_url": "https://homeownersfg.com/kristinahernandez/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Folsom, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 29 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kristina-hernandez-225677", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://homeownersfg.com/kristinahernandez/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 62.8, "loan_officer": { "nmls_id": 243656, "slug": "thomas-frank-weikel-243656", "full_name": "Thomas Frank Weikel", "canonical_url": "https://lendb.ai/lo/thomas-frank-weikel-243656", "json_url": "https://lendb.ai/lo/thomas-frank-weikel-243656.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Carlsbad", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/ca/carlsbad/thomas-f-weikel-389-kmtfw.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Carlsbad, CA", "CA 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)" ], "canonical_url": "https://lendb.ai/lo/thomas-frank-weikel-243656", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/ca/carlsbad/thomas-f-weikel-389-kmtfw.html" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 62.8, "loan_officer": { "nmls_id": 256016, "slug": "nancy-herrera-256016", "full_name": "Nancy Siples", "canonical_url": "https://lendb.ai/lo/nancy-herrera-256016", "json_url": "https://lendb.ai/lo/nancy-herrera-256016.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Riverside", "state": "CA" }, "licensed_states": [ "AZ", "CA", "ID", "TN" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/ca/riverside/nancy-siples-607-chnsi.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Riverside, CA", "CA 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)" ], "canonical_url": "https://lendb.ai/lo/nancy-herrera-256016", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/ca/riverside/nancy-siples-607-chnsi.html" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 62.8, "loan_officer": { "nmls_id": 275750, "slug": "jesus-renteria-275750", "full_name": "Jesus Renteria", "canonical_url": "https://lendb.ai/lo/jesus-renteria-275750", "json_url": "https://lendb.ai/lo/jesus-renteria-275750.json", "lender": { "nmls_id": 6666, "name": "Envoy Mortgage", "canonical_url": "https://lendb.ai/lender/envoy-mortgage-6666", "type": "imb" }, "branch": { "city": "Walnut Creek", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://www.envoymortgage.com/jesse-renteria/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Walnut Creek, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jesus-renteria-275750", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.envoymortgage.com/jesse-renteria/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 62.8, "loan_officer": { "nmls_id": 643155, "slug": "clayton-s-sheffrey-643155", "full_name": "Clayton S Sheffrey", "canonical_url": "https://lendb.ai/lo/clayton-s-sheffrey-643155", "json_url": "https://lendb.ai/lo/clayton-s-sheffrey-643155.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "San Diego", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in San Diego, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/clayton-s-sheffrey-643155", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/clayton-s-sheffrey" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 62.8, "loan_officer": { "nmls_id": 960434, "slug": "carlos-moctezuma-960434", "full_name": "Carlos Moctezuma", "canonical_url": "https://lendb.ai/lo/carlos-moctezuma-960434", "json_url": "https://lendb.ai/lo/carlos-moctezuma-960434.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "Ontario", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Ontario, CA", "CA 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)" ], "canonical_url": "https://lendb.ai/lo/carlos-moctezuma-960434", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 62.3, "loan_officer": { "nmls_id": 632832, "slug": "julia-cruz-632832", "full_name": "Julia Cruz", "canonical_url": "https://lendb.ai/lo/julia-cruz-632832", "json_url": "https://lendb.ai/lo/julia-cruz-632832.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Carlsbad", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 19, "lender_profile_url": "https://branches.guildmortgage.com/ca/carlsbad/julia-cruz-389-kmjcr.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Carlsbad, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 19 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/julia-cruz-632832", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/ca/carlsbad/julia-cruz-389-kmjcr.html" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 62.3, "loan_officer": { "nmls_id": 1822932, "slug": "ebony-allen-1822932", "full_name": "Ebony Allen", "canonical_url": "https://lendb.ai/lo/ebony-allen-1822932", "json_url": "https://lendb.ai/lo/ebony-allen-1822932.json", "lender": { "nmls_id": 2179191, "name": "Xpert Home Lending", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": null, "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://xperthomelending.com/loan-directory/ebony-allen", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in California", "CA 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)" ], "canonical_url": "https://lendb.ai/lo/ebony-allen-1822932", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://xperthomelending.com/loan-directory/ebony-allen" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 62, "loan_officer": { "nmls_id": 308099, "slug": "gordon-weichler-308099", "full_name": "Gordon Weichler", "canonical_url": "https://lendb.ai/lo/gordon-weichler-308099", "json_url": "https://lendb.ai/lo/gordon-weichler-308099.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Roseville", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://www.apmortgage.com/gordon-weichler", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Roseville, CA", "CA 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)" ], "canonical_url": "https://lendb.ai/lo/gordon-weichler-308099", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.apmortgage.com/gordon-weichler" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 62, "loan_officer": { "nmls_id": 350159, "slug": "patty-grissom-350159", "full_name": "Patty Grissom", "canonical_url": "https://lendb.ai/lo/patty-grissom-350159", "json_url": "https://lendb.ai/lo/patty-grissom-350159.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Fresno", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 18, "lender_profile_url": "https://branches.guildmortgage.com/ca/fresno/patty-grissom-532-ckpg.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Fresno, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/patty-grissom-350159", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/ca/fresno/patty-grissom-532-ckpg.html" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 61.8, "loan_officer": { "nmls_id": 256940, "slug": "jimm-kelley-256940", "full_name": "Jimm Kelley", "canonical_url": "https://lendb.ai/lo/jimm-kelley-256940", "json_url": "https://lendb.ai/lo/jimm-kelley-256940.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 35, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jimm-kelley-256940", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in California", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 35 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jimm-kelley-256940", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/jimm-kelley-256940" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 61.8, "loan_officer": { "nmls_id": 713682, "slug": "anthony-stafford-713682", "full_name": "Anthony Stafford Jr.", "canonical_url": "https://lendb.ai/lo/anthony-stafford-713682", "json_url": "https://lendb.ai/lo/anthony-stafford-713682.json", "lender": { "nmls_id": 6666, "name": "Envoy Mortgage", "canonical_url": "https://lendb.ai/lender/envoy-mortgage-6666", "type": "imb" }, "branch": { "city": "Walnut Creek", "state": "CA" }, "licensed_states": [ "CA", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 18, "lender_profile_url": "https://www.envoymortgage.com/anthony-stafford/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Walnut Creek, CA", "CA listed on their lender page (not yet checked with the state regulator; 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