Borrower situations · Georgia
Loan officers for first-time buyers in Georgia
As of 2026-10-09, LenDb lists 488 loan officers licensed in or based in Georgia whose lender pages show First-time buyer work. The top-ranked are Tammy C White (Guild Mortgage, Columbus), Denise Lott (Union Home Mortgage, Savannah) and Greg Jackson (CrossCountry Mortgage, Alpharetta). Ranking is lender-neutral: specialty evidence first, then a license in GA, 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
Tammy C WhiteNMLS 453643
Guild Mortgage · Columbus, GA · licensed in 2 states
- First-time buyer
- FHA loan
- VA loan
- GA 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 Columbus, GA
- States 22 years of experience (lender page, 2026-10-09)
- 2
Denise LottNMLS 704436
Union Home Mortgage · Savannah, GA · licensed in 8 states
- First-time buyer
- GA 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 Savannah, GA
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Greg JacksonNMLS 1105139
CrossCountry Mortgage · Alpharetta, GA · licensed in 10 states
- First-time buyer
- VA loan
- FHA loan
- GA 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 Alpharetta, GA
- Licensed since 2020 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 4
Joe DonovanNMLS 1450210
CrossCountry Mortgage · Suwanee, GA · licensed in 6 states
- First-time buyer
- Real estate investor
- Renovation loan (203k / HomeStyle)
- VA loan
- GA 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 Suwanee, GA
- Licensed since 2026 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 5
Charla SmithNMLS 1651741
CrossCountry Mortgage · Loganville, GA · licensed in 3 states
- First-time buyer
- Down payment assistance
- GA 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 Loganville, GA
- States 20 years of experience (lender page, 2026-10-09)
- 6
Jeffrey ZulaufNMLS 18566
CrossCountry Mortgage · Suwanee, GA · licensed in 22 states
- First-time buyer
- Condo
- Real estate investor
- GA 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 Suwanee, GA
- Licensed since 2019 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 7
Fernando LopezNMLS 1783207
Guild Mortgage · Savannah, GA · licensed in 2 states
- First-time buyer
- VA loan
- GA 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 Savannah, GA
- States 15 years of experience (lender page, 2026-10-09)
- 8
Jeremy WetzelNMLS 3364
CrossCountry Mortgage · Louisville, KY · licensed in 10 states
- First-time buyer
- FHA loan
- GA 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 2011 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 9
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- GA 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)
- 10
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- First-time buyer
- Non-QM loan
- Down payment assistance
- GA 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)
- 11
Rob KaiserNMLS 146468
CrossCountry Mortgage · Sarasota, FL · licensed in 6 states
- First-time buyer
- Down payment assistance
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- GA 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 2025 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 12
Brian SewellNMLS 212085
Guild Mortgage · Frankfort, IL · licensed in 6 states
- First-time buyer
- Physician and medical professional
- Real estate investor
- Self-employed
- GA 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
Michelle GreenwaltNMLS 267729
First Home Mortgage · Millersville, MD · licensed in 9 states
- First-time buyer
- Down payment assistance
- GA 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
Julie JohnsonNMLS 302214
CrossCountry Mortgage · Seattle, WA · licensed in 28 states
- First-time buyer
- GA 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 2025 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 15
Kim LorenzanaNMLS 308713
Guild Mortgage · Raleigh, NC · licensed in 3 states
- First-time buyer
- GA 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)
- States 20 years of experience (lender page, 2026-10-09)
- 16
Chad RankinNMLS 490282
Guild Mortgage · Worcester, MA · licensed in 38 states
- First-time buyer
- GA 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)
- 17
AJ DiCarloNMLS 2488670
CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 11 states
- First-time buyer
- Construction loan
- Real estate investor
- VA loan
- GA 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)
- States 21 years of experience (lender page, 2026-10-09)
- 18
Aaron SandersNMLS 2555076
CrossCountry Mortgage · Delray Beach, FL · licensed in 19 states
- First-time buyer
- Real estate investor
- VA loan
- Construction loan
- GA 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)
- 19
Todd BlakeNMLS 196726
Guild Mortgage · Alpharetta, GA · licensed in 6 states
- First-time buyer
- New construction
- GA 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 Alpharetta, GA
- Licensed since 2014 (per Florida records)
- 20
Anthony SmothersNMLS 200155
CrossCountry Mortgage · Suwanee, GA · licensed in 2 states
- First-time buyer
- Construction loan
- Condo
- FHA loan
- GA 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 Suwanee, GA
- Licensed since 2016 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 21
Mea DanigelisNMLS 770981
Atlantic Coast Mortgage · Fairfax, VA · licensed in 9 states
- First-time buyer
- VA loan
- GA 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)
- 22
Mark NiosiNMLS 216306
CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states
- First-time buyer
- Down payment assistance
- Low credit score
- Real estate investor
- GA 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)
- 23
Steve FahrentholdNMLS 585421
Homeowners Financial Group · Atlanta, GA · licensed in 2 states
- First-time buyer
- Real estate investor
- GA 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 Atlanta, GA
- States 18 years of experience (lender page, 2026-10-09)
- 24
Joe McBreenNMLS 686541
CrossCountry Mortgage · Michigan City, IN · licensed in 22 states
- First-time buyer
- Real estate investor
- FHA loan
- GA 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 16 years of experience (lender page, 2026-10-09)
- 25
James PerfilioNMLS 945664
Churchill Mortgage · Brentwood, TN · licensed in 4 states
- First-time buyer
- FHA loan
- Jumbo loan
- Non-QM loan
- GA 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 25 years of experience (lender page, 2026-10-09)
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 GA license is confirmed with the state regulator (check mark), GA 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=GA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.