Borrower situations · Maryland

Loan officers for first-time buyers in Maryland

As of 2026-10-09, LenDb lists 295 loan officers licensed in or based in Maryland whose lender pages show First-time buyer work. The top-ranked are Jeff Jackson (Southern Trust Mortgage, Timonium), Michelle Greenwalt (First Home Mortgage, Millersville) and Trey Jones (First Home Mortgage, Bethesda). Ranking is lender-neutral: specialty evidence first, then a license in MD, 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. 1

    Jeff JacksonNMLS 205807

    Southern Trust Mortgage · Timonium, MD · licensed in 4 states

    • First-time buyer
    • MD 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 Timonium, MD
    • States 30 years of experience (lender page, 2026-10-09)
  2. 2

    Michelle GreenwaltNMLS 267729

    First Home Mortgage · Millersville, MD · licensed in 9 states

    • First-time buyer
    • Down payment assistance
    • MD 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 Millersville, MD
    • Earliest state license record: November 1, 2022 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  3. 3

    Trey JonesNMLS 338172

    First Home Mortgage · Bethesda, MD · licensed in 3 states

    • First-time buyer
    • Real estate investor
    • Self-employed
    • VA loan
    • MD 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 Bethesda, MD
    • States 20 years of experience (lender page, 2026-10-09)
  4. 4

    Jason InglishNMLS 934863

    ALCOVA Mortgage · Cumberland, MD · licensed in 7 states

    • First-time buyer
    • FHA loan
    • Real estate investor
    • USDA loan
    • MD 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 Cumberland, MD
    • Earliest state license record: July 26, 2022 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  5. 5

    Alex JaffeNMLS 192106

    First Home Mortgage · Chevy Chase, MD · licensed in 4 states

    • First-time buyer
    • MD 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 Chevy Chase, MD
    • States 18 years of experience (lender page, 2026-10-09)
  6. 6

    Jeff HalbertNMLS 71222

    First Home Mortgage · Dunkirk, MD · licensed in 8 states

    • First-time buyer
    • VA loan
    • MD 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 Dunkirk, MD
    • Earliest state license record: December 23, 2010 (Florida), per state regulator
  7. 7

    Mark NiosiNMLS 216306

    CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states

    • First-time buyer
    • Down payment assistance
    • Low credit score
    • Real estate investor
    • MD 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 Dunkirk, MD
    • Earliest state license record: December 23, 2020 (Florida), per state regulator
    • States 24 years of experience (lender page, 2026-10-09)
  8. 8

    Denise PanzaNMLS 16446

    Total Mortgage Services · Naples, FL · licensed in 20 states

    • First-time buyer
    • Real estate investor
    • MD 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)
    • Earliest state license record: February 10, 2011 (Florida), per state regulator
    • States 30 years of experience (lender page, 2026-10-09)
  9. 9

    Adam WorkmanNMLS 128183

    CrossCountry Mortgage · Charlotte, NC · licensed in 42 states

    • First-time buyer
    • Real estate investor
    • VA loan
    • FHA loan
    • MD 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)
    • Earliest state license record: November 9, 2020 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  10. 10

    Ken ByrneNMLS 187129

    ALCOVA Mortgage · Chantilly, VA · licensed in 7 states

    • First-time buyer
    • Real estate investor
    • Self-employed
    • VA loan
    • MD 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)
    • Earliest state license record: January 9, 2025 (Florida), per state regulator
    • States 34 years of experience (lender page, 2026-10-09)
  11. 11

    Ryan PaquinNMLS 187868

    First Home Mortgage · Crofton, MD · licensed in 10 states

    • First-time buyer
    • MD 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 Crofton, MD
    • Earliest state license record: December 17, 2012 (Florida), per state regulator
    • States 10 years of experience (lender page, 2026-10-09)
  12. 12

    Josh ThompsonNMLS 188370

    First Home Mortgage · Bethesda, MD · licensed in 6 states

    • First-time buyer
    • VA loan
    • MD 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 Bethesda, MD
    • Earliest state license record: September 1, 2022 (Florida), per state regulator
    • States 18 years of experience (lender page, 2026-10-09)
  13. 13

    Chris GenoveseNMLS 210006

    Total Mortgage Services · Harrisonburg, VA · licensed in 3 states

    • First-time buyer
    • MD 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)
    • States 23 years of experience (lender page, 2026-10-09)
  14. 14

    Ron GosewischNMLS 210533

    NFM Lending · Haddonfield, NJ · licensed in 3 states

    • First-time buyer
    • MD 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)
    • States 23 years of experience (lender page, 2026-10-09)
  15. 15

    Eric StengerNMLS 229964

    Guild Mortgage · Martinsburg, WV · licensed in 6 states

    • First-time buyer
    • VA loan
    • MD 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)
    • Earliest state license record: August 3, 2020 (Florida), per state regulator
    • States 30 years of experience (lender page, 2026-10-09)
  16. 16

    Julie JohnsonNMLS 302214

    CrossCountry Mortgage · Seattle, WA · licensed in 28 states

    • First-time buyer
    • MD 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)
    • Earliest state license record: April 3, 2025 (Florida), per state regulator
    • States 25 years of experience (lender page, 2026-10-09)
  17. 17

    Kelly FischerNMLS 476360

    Guild Mortgage · Fairfax, VA · licensed in 5 states

    • First-time buyer
    • VA loan
    • MD 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)
    • Earliest state license record: March 25, 2015 (Florida), per state regulator
    • States 30 years of experience (lender page, 2026-10-09)
  18. 18

    Chad RankinNMLS 490282

    Guild Mortgage · Worcester, MA · licensed in 38 states

    • First-time buyer
    • MD 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)
    • Earliest state license record: February 9, 2017 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  19. 19

    Denise LottNMLS 704436

    Union Home Mortgage · Savannah, GA · licensed in 8 states

    • First-time buyer
    • MD 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)
    • Earliest state license record: February 11, 2020 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  20. 20

    Susan HoweNMLS 848400

    Fairway Independent Mortgage Corporation · Foxboro, MA · licensed in 12 states

    • First-time buyer
    • VA loan
    • MD 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)
    • Earliest state license record: January 13, 2020 (Florida), per state regulator
    • States 25 years of experience (lender page, 2026-10-09)
  21. 21

    AJ DiCarloNMLS 2488670

    CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 11 states

    • First-time buyer
    • Construction loan
    • Real estate investor
    • VA loan
    • MD 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)
    • Earliest state license record: May 31, 2023 (Florida), per state regulator
    • States 21 years of experience (lender page, 2026-10-09)
  22. 22

    Aaron SandersNMLS 2555076

    CrossCountry Mortgage · Delray Beach, FL · licensed in 19 states

    • First-time buyer
    • Real estate investor
    • VA loan
    • Construction loan
    • MD 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)
    • Earliest state license record: February 23, 2024 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  23. 23

    Bobby LuuNMLS 185192

    American Pacific Mortgage · Reston, VA · licensed in 8 states

    • First-time buyer
    • FHA loan
    • Jumbo loan
    • Non-QM loan
    • MD 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)
    • Earliest state license record: November 30, 2022 (Florida), per state regulator
    • States 25 years of experience (lender page, 2026-10-09)
  24. 24

    Phil DavisNMLS 162425

    Guild Mortgage · Elkton, MD · licensed in 4 states

    • First-time buyer
    • MD 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 Elkton, MD
    • Earliest state license record: March 1, 2022 (Florida), per state regulator
    • States 25 years of experience (lender page, 2026-10-09)
  25. 25

    Jocelyn LasherNMLS 390711

    Atlantic Coast Mortgage · Fairfax, VA · licensed in 4 states

    • First-time buyer
    • VA loan
    • MD 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)
    • 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?

More about First-time buyer

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 MD license is confirmed with the state regulator (check mark), MD 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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=MD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.