--- canonical_url: https://lendb.ai/s/first-time-buyer/district-of-columbia last_verified: 2026-10-09 --- # Loan officers for first-time buyers in District of Columbia As of 2026-10-09, LenDb lists 106 loan officers licensed in or based in District of Columbia whose lender pages show First-time buyer work. The top-ranked are Adam Workman (CrossCountry Mortgage, Charlotte), Ken Byrne (ALCOVA Mortgage, Chantilly) and Michelle Greenwalt (First Home Mortgage, Millersville). Ranking is lender-neutral: specialty evidence first, then a license in DC, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 12, 2013 (Texas), per state regulator - States 20 years of experience (lender page, 2026-10-09) 2. **[Ken Byrne](https://lendb.ai/lo/kenneth-byrne-187129)** (NMLS 187129), ALCOVA Mortgage, Chantilly, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 9, 2025 (Florida), per state regulator - States 34 years of experience (lender page, 2026-10-09) 3. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 1, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 4. **[Trey Jones](https://lendb.ai/lo/trey-jones-338172)** (NMLS 338172), First Home Mortgage, Bethesda, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC 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) 5. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 25, 2015 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 6. **[Bobby Luu](https://lendb.ai/lo/hong-luu-185192)** (NMLS 185192), American Pacific Mortgage, Reston, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 16, 2019 (Texas), per state regulator - States 25 years of experience (lender page, 2026-10-09) 7. **[Alex Jaffe](https://lendb.ai/lo/alex-jaffe-192106)** (NMLS 192106), First Home Mortgage, Chevy Chase, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC 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) 8. **[Jocelyn Lasher](https://lendb.ai/lo/jocelyn-lasher-390711)** (NMLS 390711), Atlantic Coast Mortgage, Fairfax, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC 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) 9. **[Mea Danigelis](https://lendb.ai/lo/maria-danigelis-770981)** (NMLS 770981), Atlantic Coast Mortgage, Fairfax, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 6, 2017 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 10. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 23, 2010 (Florida), per state regulator 11. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 23, 2020 (Florida), per state regulator - States 24 years of experience (lender page, 2026-10-09) 12. **[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) - DC 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) 13. **[Christian Kosko](https://lendb.ai/lo/christian-kosko-1415795)** (NMLS 1415795), Fairway Independent Mortgage Corporation, Washington, DC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Washington, DC - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 11, 2020 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-09) 14. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 4, 2022 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 15. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 17, 2012 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-09) 16. **[Josh Thompson](https://lendb.ai/lo/joshua-thompson-188370)** (NMLS 188370), First Home Mortgage, Bethesda, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 1, 2022 (Florida), per state regulator - States 18 years of experience (lender page, 2026-10-09) 17. **[Addie Andersen](https://lendb.ai/lo/addie-andersen-195643)** (NMLS 195643), Atlantic Coast Mortgage, Fairfax, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC 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) 18. **[Danny Hembach](https://lendb.ai/lo/daniel-hembach-1533678)** (NMLS 1533678), Guild Mortgage, Arlington, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 14, 2020 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-09) 19. **[David Aikman](https://lendb.ai/lo/david-aikman-1545845)** (NMLS 1545845), Embrace Home Loans, Woodbridge, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 8 years of experience (lender page, 2026-10-09) 20. **[Matt Lieberman](https://lendb.ai/lo/matthew-lieberman-200283)** (NMLS 200283), First Home Mortgage, Bethesda, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 30, 2019 (Florida), per state regulator 21. **[Jason Nader](https://lendb.ai/lo/jason-nader-313085)** (NMLS 313085), First Home Mortgage, Annapolis, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 15, 2019 (Florida), per state regulator 22. **[Lisa Yountchi](https://lendb.ai/lo/lisa-yountchi-1485353)** (NMLS 1485353), CrossCountry Mortgage, Purchase, NY - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 5, 2024 (Florida), per state regulator - States 6 years of experience (lender page, 2026-10-09) 23. **[Devin Iannone](https://lendb.ai/lo/devin-iannone-1824195)** (NMLS 1824195), Embrace Home Loans, Rockville, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 22, 2020 (Florida), per state regulator 24. **[Corinne Spartana](https://lendb.ai/lo/corinne-spartana-1965019)** (NMLS 1965019), Embrace Home Loans, Timonium, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 29, 2020 (Florida), per state regulator - States 6 years of experience (lender page, 2026-10-09) 25. **[Tim Hand](https://lendb.ai/lo/john-hand-2399625)** (NMLS 2399625), First Home Mortgage, Dunkirk, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 27, 2022 (Florida), per state regulator - States 5 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/district-of-columbia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._