--- canonical_url: https://lendb.ai/s/first-time-buyer/hawaii last_verified: 2026-10-09 --- # Loan officers for first-time buyers in Hawaii As of 2026-10-09, LenDb lists 46 loan officers licensed in or based in Hawaii whose lender pages show First-time buyer work. The top-ranked are Adam Workman (CrossCountry Mortgage, Charlotte), Julie Johnson (CrossCountry Mortgage, Seattle) and Sheilla Lavadia (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in HI, 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) - HI 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) 2. **[Julie Johnson](https://lendb.ai/lo/julie-johnson-302214)** (NMLS 302214), CrossCountry Mortgage, Seattle, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 3. **[Sheilla Lavadia](https://lendb.ai/lo/sheilla-lavadia-1399453)** (NMLS 1399453), Loan Factory - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 4. **[Dane Costa](https://lendb.ai/lo/dane-costa-787138)** (NMLS 787138), Xpert Home Lending, HI - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Hawaii - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 5 years of experience (lender page, 2026-10-09) 5. **[Kevin Rudrud](https://lendb.ai/lo/kevin-rudrud-335381)** (NMLS 335381), NFM Lending, Kailua-Kona, HI - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Kailua-Kona, HI - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) 6. **[Brandy Marshall](https://lendb.ai/lo/brandy-marshall-260588)** (NMLS 260588), Guild Mortgage, Minden, NV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) 7. **[Seth August](https://lendb.ai/lo/seth-august-1552226)** (NMLS 1552226), Loan Factory - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 8. **[Emmett Clark](https://lendb.ai/lo/emmett-clark-233747)** (NMLS 233747), Loan Factory - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI 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) 9. **[Christina Moon](https://lendb.ai/lo/christina-moon-1826279)** (NMLS 1826279), Fairway Independent Mortgage Corporation, Las Vegas, NV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Steven Hernandez](https://lendb.ai/lo/steven-hernandez-404540)** (NMLS 404540), CrossCountry Mortgage, Salem, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI 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) 11. **[Michelle Muqtadir](https://lendb.ai/lo/michelle-muqtadir-143470)** (NMLS 143470), CrossCountry Mortgage, Seattle, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 12. **[Frank Cimperman](https://lendb.ai/lo/frank-cimperman-194237)** (NMLS 194237), CrossCountry Mortgage, Cleveland, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 13. **[Julie Tully](https://lendb.ai/lo/julie-tully-215174)** (NMLS 215174), CrossCountry Mortgage, Redding, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI 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) 14. **[Blayney White](https://lendb.ai/lo/blayney-white-239189)** (NMLS 239189), CrossCountry Mortgage, Petaluma, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 15. **[James Igbinovia](https://lendb.ai/lo/james-igbinovia-626688)** (NMLS 626688), CrossCountry Mortgage, Scottsdale, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI 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) 16. **[Jared Paul](https://lendb.ai/lo/jared-paul-974114)** (NMLS 974114), CrossCountry Mortgage, Scottsdale, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 17. **[Khalisa Davies](https://lendb.ai/lo/khalisa-davies-180315)** (NMLS 180315), CrossCountry Mortgage, Bothell, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 18. **[Mike Zahorchak](https://lendb.ai/lo/michael-zahorchak-47492)** (NMLS 47492), CrossCountry Mortgage, Cleveland, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 19. **[Matthew Shanlian](https://lendb.ai/lo/matthew-shanlian-457573)** (NMLS 457573), CrossCountry Mortgage, Wooster, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) 20. **[Pete Pappalardo](https://lendb.ai/lo/pete-pappalardo-2804976)** (NMLS 2804976), CrossCountry Mortgage, Scottsdale, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 12 years of experience (lender page, 2026-10-09) 21. **[Anthony Soss](https://lendb.ai/lo/anthony-soss-130763)** (NMLS 130763), CrossCountry Mortgage, Cleveland, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) 22. **[Betsy Santellano](https://lendb.ai/lo/elizabeth-santellano-493899)** (NMLS 493899), CrossCountry Mortgage, Deerfield, IL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 23. **[Peter Costakos](https://lendb.ai/lo/peter-costakos-139540)** (NMLS 139540), CrossCountry Mortgage, Purchase, NY - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 24. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 25. **[Charles Toll](https://lendb.ai/lo/charles-toll-1783114)** (NMLS 1783114), CrossCountry Mortgage, San Juan Capistrano, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) ## 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/hawaii. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._