--- canonical_url: https://lendb.ai/s/first-time-buyer/florida last_verified: 2026-10-09 --- # Loan officers for first-time buyers in Florida As of 2026-10-09, LenDb lists 321 loan officers licensed in or based in Florida whose lender pages show First-time buyer work. The top-ranked are Tommy Bearint (CrossCountry Mortgage, Tampa), Charlene Rivera (CrossCountry Mortgage, Naples) and Jake Healy (CrossCountry Mortgage, Delray Beach). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Tommy Bearint](https://lendb.ai/lo/thomas-bearint-226071)** (NMLS 226071), CrossCountry Mortgage, Tampa, FL - 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 - No disciplinary actions on file at LenDb 2. **[Charlene Rivera](https://lendb.ai/lo/charlene-rivera-pagan-22148)** (NMLS 22148), CrossCountry Mortgage, Naples, FL - 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 - No disciplinary actions on file at LenDb 3. **[Jake Healy](https://lendb.ai/lo/john-healy-1028904)** (NMLS 1028904), CrossCountry Mortgage, Delray Beach, FL - 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 - No disciplinary actions on file at LenDb 4. **[Justin Bush](https://lendb.ai/lo/justin-bush-367847)** (NMLS 367847), CrossCountry Mortgage, Miami, FL - 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 - No disciplinary actions on file at LenDb 5. **[Rose Vital](https://lendb.ai/lo/rose-vital-1437810)** (NMLS 1437810), CrossCountry Mortgage, Delray Beach, FL - 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 - No disciplinary actions on file at LenDb 6. **[John Kersey](https://lendb.ai/lo/john-kersey-1737318)** (NMLS 1737318), CrossCountry Mortgage, Delray Beach, FL - 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 - 8 years licensed - No disciplinary actions on file at LenDb 7. **[Denise Panza](https://lendb.ai/lo/denise-panza-16446)** (NMLS 16446), Total Mortgage Services, Naples, FL - 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 - No disciplinary actions on file at LenDb 8. **[Charles Puleri](https://lendb.ai/lo/charles-puleri-54667)** (NMLS 54667), CrossCountry Mortgage, Delray Beach, FL - 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 - No disciplinary actions on file at LenDb 9. **[Kristi Canler](https://lendb.ai/lo/kristi-canler-325747)** (NMLS 325747), Guild Mortgage, Miami, FL - 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 - No disciplinary actions on file at LenDb 10. **[Dan Longman](https://lendb.ai/lo/daniel-longman-369430)** (NMLS 369430), NFM Lending, Plantation, FL - 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 - No disciplinary actions on file at LenDb 11. **[Matt Voutour](https://lendb.ai/lo/matthew-voutour-23347)** (NMLS 23347), CrossCountry Mortgage, Ponte Vedra Beach, FL - 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 - No disciplinary actions on file at LenDb 12. **[Barbara Dini](https://lendb.ai/lo/barbara-dini-286382)** (NMLS 286382), Acrisure Mortgage (formerly FBC Mortgage), Orlando, FL - 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 - No disciplinary actions on file at LenDb 13. **[Jacob Kuzman](https://lendb.ai/lo/jacob-kuzman-373644)** (NMLS 373644), LeaderOne Financial, Winter Park, FL - 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 - No disciplinary actions on file at LenDb 14. **[Kim Foglesong](https://lendb.ai/lo/kim-foglesong-490462)** (NMLS 490462), Guild Mortgage, Boca Raton, FL - 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 - No disciplinary actions on file at LenDb 15. **[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) - Licensed in FL (state license, verified 2026-10-09) - 15 years licensed - No disciplinary actions on file at LenDb 16. **[Rick Maysonet](https://lendb.ai/lo/ricardo-maysonet-336281)** (NMLS 336281), Loan Factory, FL - 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 - No disciplinary actions on file at LenDb 17. **[Anthony Cerrud](https://lendb.ai/lo/anthony-cerrud-1597999)** (NMLS 1597999), CrossCountry Mortgage, Gainesville, FL - 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 - No disciplinary actions on file at LenDb 18. **[Emily Lara](https://lendb.ai/lo/emily-lara-455374)** (NMLS 455374), Embrace Home Loans, Tampa, FL - 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 - No disciplinary actions on file at LenDb 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) - Licensed in FL (state license, verified 2026-10-09) - 14 years licensed - No disciplinary actions on file at LenDb 20. **[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) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 4 years licensed - No disciplinary actions on file at LenDb 21. **[Donna McGee](https://lendb.ai/lo/donna-mcgee-415418)** (NMLS 415418), Union Home Mortgage, St. Augustine, FL - 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 - No disciplinary actions on file at LenDb 22. **[Eric Sanders](https://lendb.ai/lo/eric-sanders-419372)** (NMLS 419372), Embrace Home Loans, Tampa, FL - 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 - No disciplinary actions on file at LenDb 23. **[Michael Lara](https://lendb.ai/lo/michael-lara-448479)** (NMLS 448479), Embrace Home Loans, Tampa, FL - 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 - No disciplinary actions on file at LenDb 24. **[Bob Smith](https://lendb.ai/lo/robert-smith-518087)** (NMLS 518087), Guild Mortgage, Stuart, FL - 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 - No disciplinary actions on file at LenDb 25. **[Jared A Varitek](https://lendb.ai/lo/jared-varitek-217608)** (NMLS 217608), Acrisure Mortgage (formerly FBC Mortgage), Orlando, FL - 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 - No disciplinary actions on file at LenDb ## 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/florida. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._