Borrower situations · Massachusetts

Loan officers for first-time buyers in Massachusetts

As of 2026-10-09, LenDb lists 190 loan officers licensed in or based in Massachusetts whose lender pages show First-time buyer work. The top-ranked are Diana Carvajal-Hirsch (First Citizens Bank, Cambridge), Fred Damore (Fairway Independent Mortgage Corporation, Methuen) and Eva S. Kokosinska (Total Mortgage Services, Auburn). Ranking is lender-neutral: specialty evidence first, then a license in MA, 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

    Diana Carvajal-HirschNMLS 704461

    First Citizens Bank · Bank · Cambridge, MA

    • First-time buyer
    • Down payment assistance
    • FHA loan
    • Physician and medical professional
    • MA 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 Cambridge, MA
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Fred DamoreNMLS 4395

    Fairway Independent Mortgage Corporation · Methuen, MA · licensed in 4 states

    • First-time buyer
    • FHA loan
    • Jumbo loan
    • Real estate investor
    • MA 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 Methuen, MA
    • States 30 years of experience (lender page, 2026-10-09)
  3. 3

    Eva S. KokosinskaNMLS 19571

    Total Mortgage Services · Auburn, MA · licensed in 2 states

    • First-time buyer
    • MA 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 Auburn, MA
    • Licensed since 2024 (per Florida records)
    • States 27 years of experience (lender page, 2026-10-09)
  4. 4

    Denise PeachNMLS 41008

    Total Mortgage Services · Leominster, MA · licensed in 2 states

    • First-time buyer
    • Down payment assistance
    • MA 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 Leominster, MA
    • Licensed since 2021 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  5. 5

    Matthew AttayaNMLS 404081

    Guild Mortgage · West Roxbury, MA · licensed in 5 states

    • First-time buyer
    • MA 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 West Roxbury, MA
    • Licensed since 2022 (per Florida records)
    • States 21 years of experience (lender page, 2026-10-09)
  6. 6

    Chad RankinNMLS 490282

    Guild Mortgage · Worcester, MA · licensed in 38 states

    • First-time buyer
    • MA 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 Worcester, MA
    • Licensed since 2017 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  7. 7

    Susan HoweNMLS 848400

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

    • First-time buyer
    • VA loan
    • MA 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 Foxboro, MA
    • Licensed since 2020 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  8. 8

    Katya MariniNMLS 493847

    Homestead Funding · West Springfield, MA · licensed in 2 states

    • First-time buyer
    • VA loan
    • MA 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 West Springfield, MA
    • States 25 years of experience (lender page, 2026-10-09)
  9. 9

    Joe GalvinNMLS 48834

    Loan Factory · Mortgage broker · Andover, MA · licensed in 3 states

    • First-time buyer
    • MA 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 Andover, MA
    • Licensed since 2018 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  10. 10

    Denise PanzaNMLS 16446

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

    • First-time buyer
    • Real estate investor
    • MA 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 30 years of experience (lender page, 2026-10-09)
  11. 11

    Jay VogelNMLS 47957

    Guild Mortgage · Manchester, NH · licensed in 4 states

    • First-time buyer
    • MA 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)
  12. 12

    Frank DevlinNMLS 49014

    Guild Mortgage · Salem, NH · licensed in 3 states

    • First-time buyer
    • MA 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)
  13. 13

    Adam WorkmanNMLS 128183

    CrossCountry Mortgage · Charlotte, NC · licensed in 42 states

    • First-time buyer
    • Real estate investor
    • VA loan
    • FHA loan
    • MA 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)
  14. 14

    Marleen PaquetteNMLS 205609

    Guild Mortgage · Manchester, NH · licensed in 4 states

    • First-time buyer
    • Manufactured home
    • MA 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 30 years of experience (lender page, 2026-10-09)
  15. 15

    Julie JohnsonNMLS 302214

    CrossCountry Mortgage · Seattle, WA · licensed in 28 states

    • First-time buyer
    • MA 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)
  16. 16

    Alina BurkeNMLS 509630

    Success Mortgage Partners · Portland, ME · licensed in 4 states

    • First-time buyer
    • Construction loan
    • DSCR loan
    • FHA loan
    • MA 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 24 years of experience (lender page, 2026-10-09)
  17. 17

    Aaron SandersNMLS 2555076

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

    • First-time buyer
    • Real estate investor
    • VA loan
    • Construction loan
    • MA 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)
  18. 18

    Nick ClarkeNMLS 998103

    CrossCountry Mortgage · Marshfield, MA · licensed in 11 states

    • First-time buyer
    • MA 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 Marshfield, MA
    • Licensed since 2019 (per Florida records)
    • States 10 years of experience (lender page, 2026-10-09)
  19. 19

    Sebastian CordobaNMLS 1485371

    CrossCountry Mortgage · Lexington, MA · licensed in 5 states

    • First-time buyer
    • Real estate investor
    • MA 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 Lexington, MA
    • Licensed since 2026 (per Florida records)
    • States 9 years of experience (lender page, 2026-10-09)
  20. 20

    John AstrologoNMLS 441861

    CrossCountry Mortgage · White Plains, NY · licensed in 10 states

    • First-time buyer
    • Co-op
    • FHA loan
    • Jumbo loan
    • MA 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 16 years of experience (lender page, 2026-10-09)
  21. 21

    George PostNMLS 1693795

    CrossCountry Mortgage · Marshfield, MA · licensed in 5 states

    • First-time buyer
    • Real estate investor
    • FHA loan
    • MA 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 Marshfield, MA
    • Licensed since 2025 (per Florida records)
    • States 7 years of experience (lender page, 2026-10-09)
  22. 22

    Dawn SchowalterNMLS 211115

    Guild Mortgage · Richmond, VA · licensed in 13 states

    • First-time buyer
    • Reverse mortgage
    • MA 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 2015 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  23. 23

    David MagalhaesNMLS 1648957

    Guild Mortgage · North Dartmouth, MA · licensed in 3 states

    • First-time buyer
    • MA 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 North Dartmouth, MA
    • Licensed since 2020 (per Florida records)
  24. 24

    Debora ValdesNMLS 1793296

    Total Mortgage Services · Milford, CT · licensed in 6 states

    • First-time buyer
    • ITIN borrower
    • Real estate investor
    • Self-employed
    • MA 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 10 years of experience (lender page, 2026-10-09)
  25. 25

    Michael BushNMLS 67031

    Guild Mortgage · North Attleboro, MA · licensed in 8 states

    • First-time buyer
    • Jumbo loan
    • Down payment assistance
    • MA 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 North Attleboro, MA
    • Licensed since 2023 (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?

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 MA license is confirmed with the state regulator (check mark), MA 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=MA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.