--- canonical_url: https://lendb.ai/s/first-time-buyer/california last_verified: 2026-10-09 --- # Loan officers for first-time buyers in California As of 2026-10-09, LenDb lists 726 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. ## Ranked, with reasons 1. **[Vina Guerrero](https://lendb.ai/lo/vina-guerrero-262835)** (NMLS 262835), First Citizens Bank, Pasadena, CA - 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) 2. **[Kristina Hernandez](https://lendb.ai/lo/kristina-hernandez-225677)** (NMLS 225677), Homeowners Financial Group, Folsom, CA - 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) 3. **[Thomas Frank Weikel](https://lendb.ai/lo/thomas-frank-weikel-243656)** (NMLS 243656), Guild Mortgage, Carlsbad, CA - 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) 4. **[Nancy Siples](https://lendb.ai/lo/nancy-herrera-256016)** (NMLS 256016), Guild Mortgage, Riverside, CA - 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) 5. **[Jesus Renteria](https://lendb.ai/lo/jesus-renteria-275750)** (NMLS 275750), Envoy Mortgage, Walnut Creek, CA - 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) 6. **[Clayton S Sheffrey](https://lendb.ai/lo/clayton-s-sheffrey-643155)** (NMLS 643155), First Citizens Bank, San Diego, CA - 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) 7. **[Carlos Moctezuma](https://lendb.ai/lo/carlos-moctezuma-960434)** (NMLS 960434), First Citizens Bank, Ontario, CA - 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) 8. **[Julia Cruz](https://lendb.ai/lo/julia-cruz-632832)** (NMLS 632832), Guild Mortgage, Carlsbad, CA - 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) 9. **[Ebony Allen](https://lendb.ai/lo/ebony-allen-1822932)** (NMLS 1822932), Xpert Home Lending, CA - 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) 10. **[Gordon Weichler](https://lendb.ai/lo/gordon-weichler-308099)** (NMLS 308099), American Pacific Mortgage, Roseville, CA - 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) 11. **[Patty Grissom](https://lendb.ai/lo/patty-grissom-350159)** (NMLS 350159), Guild Mortgage, Fresno, CA - 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) 12. **[Jimm Kelley](https://lendb.ai/lo/jimm-kelley-256940)** (NMLS 256940), Loan Factory, CA - 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) 13. **[Anthony Stafford Jr.](https://lendb.ai/lo/anthony-stafford-713682)** (NMLS 713682), Envoy Mortgage, Walnut Creek, CA - 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) - Licensed since 2017 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 14. **[David Shearer](https://lendb.ai/lo/david-shearer-2251435)** (NMLS 2251435), Loan Factory, Burbank, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Burbank, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 40 years of experience (lender page, 2026-10-09) 15. **[Mark Gonzales](https://lendb.ai/lo/mark-gonzales-280952)** (NMLS 280952), Guild Mortgage, Orange, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Orange, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 27 years of experience (lender page, 2026-10-09) 16. **[Bryan McCarthy](https://lendb.ai/lo/bryan-keith-mccarthy-1452887)** (NMLS 1452887), Guild Mortgage, Walnut Creek, CA - 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 20 years of experience (lender page, 2026-10-09) 17. **[Carolina Sepulveda](https://lendb.ai/lo/carolina-sepulveda-291489)** (NMLS 291489), LeaderOne Financial, Boerne, TX - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - 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) 18. **[Colin Chu](https://lendb.ai/lo/colin-chu-2767054)** (NMLS 2767054), Loan Factory, CA - 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 16 years of experience (lender page, 2026-10-09) 19. **[Jeremy Wetzel](https://lendb.ai/lo/jeremy-wetzel-3364)** (NMLS 3364), CrossCountry Mortgage, Louisville, KY - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 20. **[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) - CA 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) 21. **[Phil Lyman](https://lendb.ai/lo/phil-lyman-218232)** (NMLS 218232), Guild Mortgage, Portland, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-09) 22. **[Amber Page](https://lendb.ai/lo/amber-page-229184)** (NMLS 229184), Evergreen Home Loans, Silverdale, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - CA 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) 23. **[Daniel Patrick Nacarato](https://lendb.ai/lo/daniel-nacarato-247584)** (NMLS 247584), Barrett Financial Group, Chandler, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 24. **[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) - CA 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) 25. **[Kelly Fischer](https://lendb.ai/lo/kelly-fischer-476360)** (NMLS 476360), Guild Mortgage, Fairfax, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 30 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/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._