Borrower situations · Florida
Loan officers for first-time buyers in Florida
As of 2026-10-09, LenDb lists 336 loan officers licensed in or based in Florida whose lender pages show First-time buyer work. The top-ranked are Denise Panza (Total Mortgage Services, Naples), Tommy Bearint (CrossCountry Mortgage, Tampa) and Kristi Canler (Guild Mortgage, Miami). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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
Denise PanzaNMLS 16446
Total Mortgage Services · Naples, FL · licensed in 20 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 2
Tommy BearintNMLS 226071
CrossCountry Mortgage · Tampa, FL
- First-time buyer
- Down payment assistance
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 3
Kristi CanlerNMLS 325747
Guild Mortgage · Miami, FL
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 4
Dan LongmanNMLS 369430
NFM Lending · Plantation, FL · licensed in 7 states
- First-time buyer
- FHA loan
- Jumbo loan
- Self-employed
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 5
Matt VoutourNMLS 23347
CrossCountry Mortgage · Ponte Vedra Beach, FL
- First-time buyer
- FHA loan
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 6
Barbara DiniNMLS 286382
Acrisure Mortgage (formerly FBC Mortgage) · Orlando, FL
- First-time buyer
- Down payment assistance
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 7
Christopher SommerNMLS 380111
JPMorgan Chase Bank (Chase Home Lending) · Riverview, FL
- First-time buyer
- FHA loan
- Jumbo loan
- Self-employed
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 8
Jacob KuzmanNMLS 373644
LeaderOne Financial · Winter Park, FL · licensed in 6 states
- First-time buyer
- Construction loan
- HELOC
- Jumbo loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 14 years licensed
- 9
Kim FoglesongNMLS 490462
Guild Mortgage · Boca Raton, FL
- First-time buyer
- 2 to 4 unit property
- Down payment assistance
- DSCR loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 14 years licensed
- 10
Rick MaysonetNMLS 336281
Loan Factory · Florida
- First-time buyer
- FHA loan
- Jumbo loan
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 11
Charlene RiveraNMLS 22148
CrossCountry Mortgage · Naples, FL
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 13 years licensed
- 12
Emily LaraNMLS 455374
Embrace Home Loans · Tampa, FL
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 12 years licensed
- 13
Donna McGeeNMLS 415418
Union Home Mortgage · St. Augustine, FL
- First-time buyer
- Construction loan
- FHA loan
- Jumbo loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 12 years licensed
- 14
Eric SandersNMLS 419372
Embrace Home Loans · Tampa, FL
- First-time buyer
- FHA loan
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 12 years licensed
- 15
Michael LaraNMLS 448479
Embrace Home Loans · Tampa, FL
- First-time buyer
- Real estate investor
- Bank statement loan
- Condo
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 12 years licensed
- 16
Bob SmithNMLS 518087
Guild Mortgage · Stuart, FL · licensed in 2 states
- First-time buyer
- FHA loan
- Jumbo loan
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 12 years licensed
- 17
Jared A VaritekNMLS 217608
Acrisure Mortgage (formerly FBC Mortgage) · Orlando, FL · licensed in 3 states
- First-time buyer
- Jumbo loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 18
Charles OliverNMLS 175312
CrossCountry Mortgage · Delray Beach, FL
- First-time buyer
- Down payment assistance
- HELOC
- Non-QM loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 19
Justin BushNMLS 367847
CrossCountry Mortgage · Miami, FL
- First-time buyer
- Condo
- Jumbo loan
- Non-QM loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 10 years licensed
- 20
Rose VitalNMLS 1437810
CrossCountry Mortgage · Delray Beach, FL
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 10 years licensed
- 21
Rachel RogersNMLS 177092
Guild Mortgage · Orange Park, FL · licensed in 5 states
- First-time buyer
- Down payment assistance
- Manufactured home
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 9 years licensed
- 22
Teechee BuhnerkemperNMLS 459860
Guild Mortgage · Orange Park, FL · licensed in 2 states
- First-time buyer
- Down payment assistance
- Construction loan
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 9 years licensed
- 23
Kathy HallmonNMLS 754318
Guild Mortgage · Panama City, FL
- First-time buyer
- Condo
- Down payment assistance
- Manufactured home
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 9 years licensed
- 24
Dianne PerkinsNMLS 1410743
Embrace Home Loans · Inverness, FL · licensed in 3 states
- First-time buyer
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 9 years licensed
- 25
Santiago CajamarcaNMLS 1519521
JPMorgan Chase Bank (Chase Home Lending) · Hollywood, FL
- First-time buyer
- Jumbo loan
- Self-employed
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 9 years licensed
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 must be licensed in FL or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=first-time-buyer&state=FL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.