--- canonical_url: https://lendb.ai/s/first-time-buyer/kentucky last_verified: 2026-10-09 --- # Loan officers for first-time buyers in Kentucky As of 2026-10-09, LenDb lists 164 loan officers licensed in or based in Kentucky whose lender pages show First-time buyer work. The top-ranked are Jeremy Wetzel (CrossCountry Mortgage, Louisville), Denise Panza (Total Mortgage Services, Naples) and Adam Workman (CrossCountry Mortgage, Charlotte). Ranking is lender-neutral: specialty evidence first, then a license in KY, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - Office in Louisville, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 2. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 3. **[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) - KY 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) 4. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 5. **[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) - KY 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) 6. **[Chad Rankin](https://lendb.ai/lo/robert-rankin-490282)** (NMLS 490282), Guild Mortgage, Worcester, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 7. **[Santiago Melo](https://lendb.ai/lo/hermes-melo-1982179)** (NMLS 1982179), Fairway Independent Mortgage Corporation, Oak Brook, IL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 8. **[Cori Drudge](https://lendb.ai/lo/cori-drudge-229643)** (NMLS 229643), Ruoff Mortgage, Fishers, IN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 27 years of experience (lender page, 2026-10-09) 9. **[Carla Marchetti](https://lendb.ai/lo/carla-marchetti-993397)** (NMLS 993397), Guild Mortgage, Overland Park, KS - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 19 years of experience (lender page, 2026-10-09) 10. **[Adam Garman](https://lendb.ai/lo/adam-garman-124792)** (NMLS 124792), Ruoff Mortgage - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 11. **[Laura Mullen](https://lendb.ai/lo/laura-mullen-500688)** (NMLS 500688), Ruoff Mortgage - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 12. **[Nathan Soliday](https://lendb.ai/lo/michael-soliday-166402)** (NMLS 166402), Success Mortgage Partners, Sellersburg, IN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 13. **[Sheri Watkins](https://lendb.ai/lo/sheri-watkins-279665)** (NMLS 279665), Ruoff Mortgage - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 14. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 15. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY 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) 16. **[Bonny Reynolds](https://lendb.ai/lo/bonny-reynolds-1827138)** (NMLS 1827138), CrossCountry Mortgage, Cleveland, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 17. **[Stacey Dowling](https://lendb.ai/lo/stacey-dowling-196631)** (NMLS 196631), Xpert Home Lending - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) 18. **[Mitchell Scott](https://lendb.ai/lo/mitchell-scott-1313748)** (NMLS 1313748), CrossCountry Mortgage, Springfield, MO - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 19. **[Yanni Stefanidis](https://lendb.ai/lo/ioannis-stefanidis-1725443)** (NMLS 1725443), Churchill Mortgage, Irvine, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 20. **[Bryson Schoenecke](https://lendb.ai/lo/bryson-schoenecke-397852)** (NMLS 397852), CrossCountry Mortgage, Carmel, IN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Colorado records) 21. **[Beth Garrett](https://lendb.ai/lo/beth-garrett-782760)** (NMLS 782760), Ruoff Mortgage - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 11 years of experience (lender page, 2026-10-09) 22. **[Angie Turley](https://lendb.ai/lo/angela-turley-363066)** (NMLS 363066), Fairway Independent Mortgage Corporation, Mooresville, IN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 23. **[Crystal Hodges](https://lendb.ai/lo/crystal-hodges-1735979)** (NMLS 1735979), Loan Factory - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 24. **[Karen Chiu](https://lendb.ai/lo/karen-chiu-611778)** (NMLS 611778), CrossCountry Mortgage, San Gabriel, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 25. **[Racee Greene](https://lendb.ai/lo/rachelle-greene-1097316)** (NMLS 1097316), Ruoff Mortgage - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida 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/kentucky. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._