Borrower situations · Delaware
Loan officers for first-time buyers in Delaware
As of 2026-10-09, LenDb lists 143 loan officers licensed in or based in Delaware whose lender pages show First-time buyer work. The top-ranked are Sheri Barber (Union Home Mortgage, Rehoboth Beach), Adam Workman (CrossCountry Mortgage, Charlotte) and Edwin Santiago (CrossCountry Mortgage, Wayne). Ranking is lender-neutral: specialty evidence first, then a license in DE, 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
Sheri BarberNMLS 243041
Union Home Mortgage · Rehoboth Beach, DE · licensed in 2 states
- First-time buyer
- FHA loan
- USDA loan
- VA loan
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Rehoboth Beach, DE
- States 25 years of experience (lender page, 2026-10-09)
- 2
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- First-time buyer
- Non-QM loan
- Down payment assistance
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- States 23 years of experience (lender page, 2026-10-09)
- 4
Kevin BerjuNMLS 137213
CrossCountry Mortgage · Moorestown, NJ · licensed in 4 states
- First-time buyer
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 5
Kenneth JohnsonNMLS 204926
CrossCountry Mortgage · Doylestown, PA · licensed in 3 states
- First-time buyer
- FHA loan
- VA loan
- HELOC
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 19 years of experience (lender page, 2026-10-09)
- 6
Bruce J. TingleNMLS 137100
Loan Factory · Mortgage broker · licensed in 2 states
- First-time buyer
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 25 years of experience (lender page, 2026-10-09)
- 7
Mark NiosiNMLS 216306
CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states
- First-time buyer
- Down payment assistance
- Low credit score
- Real estate investor
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 8
Nathan FitzgeraldNMLS 369554
CrossCountry Mortgage · Orlando, FL · licensed in 15 states
- First-time buyer
- VA loan
- Renovation loan (203k / HomeStyle)
- HELOC
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 9
Joan KofskyNMLS 133361
CrossCountry Mortgage · Wayne, PA · licensed in 7 states
- First-time buyer
- Real estate investor
- Renovation loan (203k / HomeStyle)
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 10
Phil DavisNMLS 162425
Guild Mortgage · Elkton, MD · licensed in 4 states
- First-time buyer
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 11
Dawn SchowalterNMLS 211115
Guild Mortgage · Richmond, VA · licensed in 13 states
- First-time buyer
- Reverse mortgage
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 12
Michelle GreenwaltNMLS 267729
First Home Mortgage · Millersville, MD · licensed in 9 states
- First-time buyer
- Down payment assistance
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 13
Amy AltenburgNMLS 820600
Southern Trust Mortgage · Annapolis, MD · licensed in 7 states
- First-time buyer
- Down payment assistance
- Real estate investor
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 14
Jeff HalbertNMLS 71222
First Home Mortgage · Dunkirk, MD · licensed in 8 states
- First-time buyer
- VA loan
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2010 (per Florida records)
- 15
Olu AjayiNMLS 189732
First Home Mortgage · Crofton, MD · licensed in 4 states
- First-time buyer
- Real estate investor
- Low credit score
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 16 years of experience (lender page, 2026-10-09)
- 16
Tim MilauskasNMLS 200561
First Home Mortgage · Millersville, MD · licensed in 9 states
- First-time buyer
- FHA loan
- VA loan
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 17
Chuck ButterfieldNMLS 176620
Churchill Mortgage · licensed in 20 states
- First-time buyer
- Real estate investor
- FHA loan
- USDA loan
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 22 years of experience (lender page, 2026-10-09)
- 18
Ryan PaquinNMLS 187868
First Home Mortgage · Crofton, MD · licensed in 10 states
- First-time buyer
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 19
Michael HaggertyNMLS 525740
Embrace Home Loans · Rockville, MD · licensed in 4 states
- First-time buyer
- Real estate investor
- Self-employed
- VA loan
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 30 years of experience (lender page, 2026-10-09)
- 20
Matt StancatoNMLS 131894
Guild Mortgage · Exton, PA · licensed in 5 states
- First-time buyer
- Self-employed
- Reverse mortgage
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- 21
Sonia HashimiNMLS 965240
Loan Factory · Mortgage broker · licensed in 17 states
- First-time buyer
- Real estate investor
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- 22
Corinne SpartanaNMLS 1965019
Fairway Independent Mortgage Corporation · Towson, MD · licensed in 9 states
- First-time buyer
- FHA loan
- New construction
- Non-QM loan
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 6 years of experience (lender page, 2026-10-09)
- 23
Lori JuleNMLS 190409
Atlantic Coast Mortgage · Fairfax, VA · licensed in 27 states
- First-time buyer
- FHA loan
- Jumbo loan
- USDA loan
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 24
Kristi HardyNMLS 194938
Atlantic Coast Mortgage · Fairfax, VA · licensed in 11 states
- First-time buyer
- Real estate investor
- FHA loan
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 25
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- First-time buyer
- DSCR loan
- FHA loan
- Real estate investor
- DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
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 are listed when a DE license is confirmed with the state regulator (check mark), DE is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=first-time-buyer&state=DE. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.