--- canonical_url: https://lendb.ai/s/first-time-buyer/maryland last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[Jeff Jackson](https://lendb.ai/lo/jeff-jackson-205807)** (NMLS 205807), Southern Trust Mortgage, Timonium, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Timonium, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 2. **[Michelle Greenwalt](https://lendb.ai/lo/michelle-greenwalt-267729)** (NMLS 267729), First Home Mortgage, Millersville, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Millersville, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 1, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 3. **[Trey Jones](https://lendb.ai/lo/trey-jones-338172)** (NMLS 338172), First Home Mortgage, Bethesda, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Bethesda, MD - MD 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) 4. **[Jason Inglish](https://lendb.ai/lo/jason-inglish-934863)** (NMLS 934863), ALCOVA Mortgage, Cumberland, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Cumberland, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 26, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 5. **[Alex Jaffe](https://lendb.ai/lo/alex-jaffe-192106)** (NMLS 192106), First Home Mortgage, Chevy Chase, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Chevy Chase, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 18 years of experience (lender page, 2026-10-09) 6. **[Jeff Halbert](https://lendb.ai/lo/jeffrey-halbert-71222)** (NMLS 71222), First Home Mortgage, Dunkirk, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Dunkirk, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 23, 2010 (Florida), per state regulator 7. **[Mark Niosi](https://lendb.ai/lo/mark-niosi-216306)** (NMLS 216306), CrossCountry Mortgage, Dunkirk, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Dunkirk, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 23, 2020 (Florida), per state regulator - States 24 years of experience (lender page, 2026-10-09) 8. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 10, 2011 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 9. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 12, 2013 (Texas), per state regulator - States 20 years of experience (lender page, 2026-10-09) 10. **[Ken Byrne](https://lendb.ai/lo/kenneth-byrne-187129)** (NMLS 187129), ALCOVA Mortgage, Chantilly, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 9, 2025 (Florida), per state regulator - States 34 years of experience (lender page, 2026-10-09) 11. **[Ryan Paquin](https://lendb.ai/lo/ryan-paquin-187868)** (NMLS 187868), First Home Mortgage, Crofton, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Crofton, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 17, 2012 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-09) 12. **[Josh Thompson](https://lendb.ai/lo/joshua-thompson-188370)** (NMLS 188370), First Home Mortgage, Bethesda, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Bethesda, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 1, 2022 (Florida), per state regulator - States 18 years of experience (lender page, 2026-10-09) 13. **[Chris Genovese](https://lendb.ai/lo/chris-genovese-210006)** (NMLS 210006), Total Mortgage Services, Harrisonburg, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-09) 14. **[Ron Gosewisch](https://lendb.ai/lo/ron-gosewisch-210533)** (NMLS 210533), NFM Lending, Haddonfield, NJ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-09) 15. **[Eric Stenger](https://lendb.ai/lo/eric-stenger-229964)** (NMLS 229964), Guild Mortgage, Martinsburg, WV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 3, 2020 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 16. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 24, 2025 (Texas), per state regulator - States 25 years of experience (lender page, 2026-10-09) 17. **[Kelly Fischer](https://lendb.ai/lo/kelly-fischer-476360)** (NMLS 476360), Guild Mortgage, Fairfax, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 25, 2015 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 18. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 9, 2017 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 19. **[Denise Lott](https://lendb.ai/lo/denise-lott-704436)** (NMLS 704436), Union Home Mortgage, Savannah, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 11, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 20. **[Susan Howe](https://lendb.ai/lo/susan-howe-848400)** (NMLS 848400), Fairway Independent Mortgage Corporation, Foxboro, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 13, 2020 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 21. **[AJ DiCarlo](https://lendb.ai/lo/andrew-dicarlo-2488670)** (NMLS 2488670), CrossCountry Mortgage, Fort Walton Beach, FL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 31, 2023 (Florida), per state regulator - States 21 years of experience (lender page, 2026-10-09) 22. **[Aaron Sanders](https://lendb.ai/lo/aaron-sanders-2555076)** (NMLS 2555076), CrossCountry Mortgage, Delray Beach, FL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 23, 2024 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 23. **[Bobby Luu](https://lendb.ai/lo/hong-luu-185192)** (NMLS 185192), American Pacific Mortgage, Reston, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 16, 2019 (Texas), per state regulator - States 25 years of experience (lender page, 2026-10-09) 24. **[Phil Davis](https://lendb.ai/lo/william-davis-162425)** (NMLS 162425), Guild Mortgage, Elkton, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Elkton, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 1, 2022 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 25. **[Jocelyn Lasher](https://lendb.ai/lo/jocelyn-lasher-390711)** (NMLS 390711), Atlantic Coast Mortgage, Fairfax, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) ## 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/maryland. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._