Borrower situations · Michigan
Loan officers for first-time buyers in Michigan
As of 2026-10-09, LenDb lists 307 loan officers licensed in or based in Michigan whose lender pages show First-time buyer work. The top-ranked are Jason A Walker (CrossCountry Mortgage, Grand Haven), Pamela J. Hall, MBA (Union Home Mortgage, Brighton) and Kay M. Davis (Union Home Mortgage, Saint Clair). Ranking is lender-neutral: specialty evidence first, then a license in MI, 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
Jason A WalkerNMLS 2384353
CrossCountry Mortgage · Grand Haven, MI · licensed in 3 states
- First-time buyer
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 20 years experience (stated on lender page, 2026-10-09)
- 2
Pamela J. Hall, MBANMLS 525338
Union Home Mortgage · Brighton, MI · licensed in 3 states
- First-time buyer
- Vacation home
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 12 years licensed
- 3
Kay M. DavisNMLS 436627
Union Home Mortgage · Saint Clair, MI · licensed in 5 states
- First-time buyer
- Real estate investor
- Vacation home
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 9 years licensed
- 4
Corey VandenbergNMLS 563900
Success Mortgage Partners · Grand Rapids, MI · licensed in 10 states
- First-time buyer
- Condo
- Construction loan
- Down payment assistance
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 9 years licensed
- 5
Sue FarrarNMLS 849222
Churchill Mortgage · Traverse City, MI · licensed in 8 states
- First-time buyer
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 9 years licensed
- 6
Kelley PariseNMLS 533277
Union Home Mortgage · Rochester, MI · licensed in 11 states
- First-time buyer
- FHA loan
- USDA loan
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 8 years licensed
- 7
Chris DennisonNMLS 850828
Churchill Mortgage · Wyoming, MI · licensed in 3 states
- First-time buyer
- Down payment assistance
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 10 years experience (stated on lender page, 2026-10-09)
- 8
Michael SilkworthNMLS 783177
Union Home Mortgage · East Lansing, MI
- First-time buyer
- Down payment assistance
- FHA loan
- USDA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 9 years experience (stated on lender page, 2026-10-09)
- 9
Joel KoziolNMLS 1539247
Ruoff Mortgage · Michigan
- First-time buyer
- FHA loan
- Bank statement loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 10 years experience (stated on lender page, 2026-10-09)
- 10
Jennifer MantaiNMLS 138224
Guild Mortgage · Merrillville, IN · licensed in 3 states
- First-time buyer
- Down payment assistance
- DSCR loan
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 23 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 11
Cody BegdorianNMLS 755908
Barrett Financial Group · Camas, WA · licensed in 5 states
- First-time buyer
- Condo
- Jumbo loan
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 12
Denise PanzaNMLS 16446
Total Mortgage Services · Naples, FL · licensed in 20 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 13
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- First-time buyer
- Non-QM loan
- Down payment assistance
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 14
Robin ThompsonNMLS 148063
Union Home Mortgage · Saint Clair, MI · licensed in 3 states
- First-time buyer
- New construction
- Self-employed
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 9 years licensed
- 15
Katie LawrenceNMLS 153808
Union Home Mortgage · Brighton, MI · licensed in 4 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 5 years licensed
- 16
Troy RabidouxNMLS 771053
Union Home Mortgage · Rochester, MI · licensed in 5 states
- First-time buyer
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 5 years licensed
- 17
Chris DeRuischerNMLS 1025953
Churchill Mortgage · Wyoming, MI · licensed in 7 states
- First-time buyer
- FHA loan
- Real estate investor
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 5 years licensed
- 18
Gus DahlgrenNMLS 80625
Union Home Mortgage · East Lansing, MI · licensed in 2 states
- First-time buyer
- Real estate investor
- Self-employed
- Bank statement loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 4 years licensed
- 19
Kevin HolmesNMLS 193246
NFM Lending · Linthicum, MD · licensed in 23 states
- First-time buyer
- FHA loan
- Jumbo loan
- USDA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 20
Lindsey WhitmanNMLS 1106835
Guild Mortgage · Davison, MI · licensed in 2 states
- First-time buyer
- HELOC
- Real estate investor
- Down payment assistance
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- Branch in Michigan
- 4 years licensed
- 21
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- First-time buyer
- Down payment assistance
- Jumbo loan
- Physician and medical professional
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 22
Jeff LongNMLS 183949
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 35 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 23
Bob SmithNMLS 518087
Guild Mortgage · Stuart, FL · licensed in 2 states
- First-time buyer
- FHA loan
- Jumbo loan
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 24
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- First-time buyer
- Condo
- FHA loan
- Jumbo loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 25
Chris MartoranoNMLS 130044
Guild Mortgage · Chicago, IL · licensed in 10 states
- First-time buyer
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in MI (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
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?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in MI or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=first-time-buyer&state=MI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.