--- canonical_url: https://lendb.ai/s/first-time-buyer/delaware last_verified: 2026-10-09 --- # Loan officers for first-time buyers in Delaware As of 2026-10-09, LenDb lists 137 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. ## Ranked, with reasons 1. **[Sheri Barber](https://lendb.ai/lo/sheri-barber-243041)** (NMLS 243041), Union Home Mortgage, Rehoboth Beach, DE - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Rehoboth Beach, DE - DE 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) 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) - DE 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) 3. **[Edwin Santiago](https://lendb.ai/lo/edwin-santiago-133618)** (NMLS 133618), CrossCountry Mortgage, Wayne, PA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 4. **[Kevin Berju](https://lendb.ai/lo/kevin-berju-137213)** (NMLS 137213), CrossCountry Mortgage, Moorestown, NJ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 5. **[Kenneth Johnson](https://lendb.ai/lo/kenneth-johnson-204926)** (NMLS 204926), CrossCountry Mortgage, Doylestown, PA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE 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) 6. **[Bruce J. Tingle](https://lendb.ai/lo/bruce-j-tingle-137100)** (NMLS 137100), Loan Factory - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE 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. **[Mark Niosi](https://lendb.ai/lo/mark-niosi-216306)** (NMLS 216306), CrossCountry Mortgage, Dunkirk, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE 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) 8. **[Nathan Fitzgerald](https://lendb.ai/lo/nathan-fitzgerald-369554)** (NMLS 369554), CrossCountry Mortgage, Orlando, FL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 9. **[Joan Kofsky](https://lendb.ai/lo/joan-zeruld-kofsky-133361)** (NMLS 133361), CrossCountry Mortgage, Wayne, PA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 10. **[Phil Davis](https://lendb.ai/lo/william-davis-162425)** (NMLS 162425), Guild Mortgage, Elkton, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 11. **[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) - DE 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) 12. **[Michelle Greenwalt](https://lendb.ai/lo/michelle-greenwalt-267729)** (NMLS 267729), First Home Mortgage, Millersville, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 13. **[Amy Altenburg](https://lendb.ai/lo/amy-altenburg-820600)** (NMLS 820600), Southern Trust Mortgage, Annapolis, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 14. **[Jeff Halbert](https://lendb.ai/lo/jeffrey-halbert-71222)** (NMLS 71222), First Home Mortgage, Dunkirk, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 15. **[Olu Ajayi](https://lendb.ai/lo/olusesan-ajayi-189732)** (NMLS 189732), First Home Mortgage, Crofton, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 16 years of experience (lender page, 2026-10-09) 16. **[Tim Milauskas](https://lendb.ai/lo/timothy-milauskas-200561)** (NMLS 200561), First Home Mortgage, Millersville, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE 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) 17. **[Vince Gutierrez](https://lendb.ai/lo/vicente-gutierrez-2088096)** (NMLS 2088096), NFM Lending, Medford Lakes, NJ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 7 years of experience (lender page, 2026-10-09) 18. **[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) - DE 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) 19. **[Ryan Paquin](https://lendb.ai/lo/ryan-paquin-187868)** (NMLS 187868), First Home Mortgage, Crofton, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 20. **[Michael Haggerty](https://lendb.ai/lo/michael-haggerty-525740)** (NMLS 525740), Embrace Home Loans, Rockville, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE 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) 21. **[Matt Stancato](https://lendb.ai/lo/mathews-stancato-131894)** (NMLS 131894), Guild Mortgage, Exton, PA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 22. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 23. **[Corinne Spartana](https://lendb.ai/lo/corinne-spartana-1965019)** (NMLS 1965019), Fairway Independent Mortgage Corporation, Towson, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 6 years of experience (lender page, 2026-10-09) 24. **[Lori Jule](https://lendb.ai/lo/lori-jule-190409)** (NMLS 190409), Atlantic Coast Mortgage, Fairfax, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE 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) 25. **[Kristi Hardy](https://lendb.ai/lo/kristi-hardy-194938)** (NMLS 194938), Atlantic Coast Mortgage, Fairfax, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DE 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) ## 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/delaware. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._