---
canonical_url: https://lendb.ai/s/first-time-buyer/massachusetts
last_verified: 2026-10-09
---

# 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.

## Ranked, with reasons

1. **[Diana Carvajal-Hirsch](https://lendb.ai/lo/diana-carvajal-hirsch-704461)** (NMLS 704461), First Citizens Bank, Cambridge, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Cambridge, MA
   - MA 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)
2. **[Fred Damore](https://lendb.ai/lo/fred-damore-4395)** (NMLS 4395), Fairway Independent Mortgage Corporation, Methuen, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Methuen, MA
   - MA 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)
3. **[Eva S. Kokosinska](https://lendb.ai/lo/eva-kokosinska-19571)** (NMLS 19571), Total Mortgage Services, Auburn, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Auburn, MA
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2024 (per Florida records)
   - States 27 years of experience (lender page, 2026-10-09)
4. **[Denise Peach](https://lendb.ai/lo/denise-peach-41008)** (NMLS 41008), Total Mortgage Services, Leominster, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Leominster, MA
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
   - States 25 years of experience (lender page, 2026-10-09)
5. **[Matthew Attaya](https://lendb.ai/lo/matthew-attaya-404081)** (NMLS 404081), Guild Mortgage, West Roxbury, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in West Roxbury, MA
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
   - States 21 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)
   - Office in Worcester, MA
   - MA 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. **[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)
   - Office in Foxboro, MA
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2020 (per Florida records)
   - States 25 years of experience (lender page, 2026-10-09)
8. **[Katya Marini](https://lendb.ai/lo/katya-marini-493847)** (NMLS 493847), Homestead Funding, West Springfield, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in West Springfield, MA
   - MA 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)
9. **[Joe Galvin](https://lendb.ai/lo/joseph-galvin-48834)** (NMLS 48834), Loan Factory, Andover, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Andover, MA
   - MA 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)
10. **[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)
   - MA 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)
11. **[Jay Vogel](https://lendb.ai/lo/joseph-vogel-47957)** (NMLS 47957), Guild Mortgage, Manchester, NH
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - MA 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 Devlin](https://lendb.ai/lo/frank-devlin-49014)** (NMLS 49014), Guild Mortgage, Salem, NH
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - MA 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)
13. **[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)
   - MA 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)
14. **[Marleen Paquette](https://lendb.ai/lo/marleen-paquette-205609)** (NMLS 205609), Guild Mortgage, Manchester, NH
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
15. **[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)
   - MA 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)
16. **[Alina Burke](https://lendb.ai/lo/alina-burke-509630)** (NMLS 509630), Success Mortgage Partners, Portland, ME
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
   - States 24 years of experience (lender page, 2026-10-09)
17. **[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)
   - MA 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)
18. **[Nick Clarke](https://lendb.ai/lo/nicholas-clarke-998103)** (NMLS 998103), CrossCountry Mortgage, Marshfield, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Marshfield, MA
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2019 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
19. **[Sebastian Cordoba](https://lendb.ai/lo/sebastian-cordoba-1485371)** (NMLS 1485371), CrossCountry Mortgage, Lexington, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Lexington, MA
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)
   - States 9 years of experience (lender page, 2026-10-09)
20. **[John Astrologo](https://lendb.ai/lo/john-astrologo-441861)** (NMLS 441861), CrossCountry Mortgage, White Plains, NY
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
   - States 16 years of experience (lender page, 2026-10-09)
21. **[George Post](https://lendb.ai/lo/george-post-1693795)** (NMLS 1693795), CrossCountry Mortgage, Marshfield, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Marshfield, MA
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
   - States 7 years of experience (lender page, 2026-10-09)
22. **[Dawn Schowalter](https://lendb.ai/lo/dawn-schowalter-211115)** (NMLS 211115), Guild Mortgage, Richmond, VA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2015 (per Florida records)
   - States 25 years of experience (lender page, 2026-10-09)
23. **[David Magalhaes](https://lendb.ai/lo/david-magalhaes-1648957)** (NMLS 1648957), Guild Mortgage, North Dartmouth, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in North Dartmouth, MA
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2020 (per Florida records)
24. **[Debora Valdes](https://lendb.ai/lo/debora-valdes-1793296)** (NMLS 1793296), Total Mortgage Services, Milford, CT
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
25. **[Michael Bush](https://lendb.ai/lo/michael-bush-67031)** (NMLS 67031), Guild Mortgage, North Attleboro, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in North Attleboro, MA
   - MA 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)

## 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/massachusetts.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._