Borrower situations · Missouri
Loan officers for first-time buyers in Missouri
As of 2026-10-09, LenDb lists 180 loan officers licensed in or based in Missouri whose lender pages show First-time buyer work. The top-ranked are Dino Herenda (Guild Mortgage, St Louis), Scott Shafman (Guild Mortgage, Chesterfield) and Amy Jeep (Guild Mortgage, Chesterfield). Ranking is lender-neutral: specialty evidence first, then a license in MO, 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
Dino HerendaNMLS 236011
Guild Mortgage · St Louis, MO
- First-time buyer
- FHA loan
- VA loan
- MO 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 St Louis, MO
- States 20 years of experience (lender page, 2026-10-09)
- 2
Scott ShafmanNMLS 243704
Guild Mortgage · Chesterfield, MO · licensed in 5 states
- First-time buyer
- Real estate investor
- MO 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 Chesterfield, MO
- Licensed since 2021 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Amy JeepNMLS 266351
Guild Mortgage · Chesterfield, MO
- First-time buyer
- MO 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 Chesterfield, MO
- States 35 years of experience (lender page, 2026-10-09)
- 4
Christopher ReickardNMLS 459164
Guild Mortgage · Lee's Summit, MO · licensed in 2 states
- First-time buyer
- Down payment assistance
- MO 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 Lee's Summit, MO
- States 20 years of experience (lender page, 2026-10-09)
- 5
Megan FinnNMLS 485003
Guild Mortgage · Springfield, MO
- First-time buyer
- MO 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 Springfield, MO
- States 30 years of experience (lender page, 2026-10-09)
- 6
Eric Mark StrutmanNMLS 502057
Guild Mortgage · Chesterfield, MO · licensed in 3 states
- First-time buyer
- MO 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 Chesterfield, MO
- States 24 years of experience (lender page, 2026-10-09)
- 7
Elizabeth S KullmannNMLS 1099033
Guild Mortgage · Chesterfield, MO
- First-time buyer
- MO 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 Chesterfield, MO
- States 30 years of experience (lender page, 2026-10-09)
- 8
Melissa Ann KeyserNMLS 650731
Guild Mortgage · St Louis, MO · licensed in 3 states
- First-time buyer
- MO 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 St Louis, MO
- States 19 years of experience (lender page, 2026-10-09)
- 9
Keran FearsNMLS 256586
American Pacific Mortgage · Hillsboro, MO · licensed in 3 states
- First-time buyer
- Renovation loan (203k / HomeStyle)
- MO 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 Hillsboro, MO
- States 30 years of experience (lender page, 2026-10-09)
- 10
Norma QueirogaNMLS 712709
Guild Mortgage · Chesterfield, MO · licensed in 2 states
- First-time buyer
- MO 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 Chesterfield, MO
- States 15 years of experience (lender page, 2026-10-09)
- 11
Thomas CobbNMLS 236517
Guild Mortgage · Weldon Spring, MO
- First-time buyer
- MO 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 Weldon Spring, MO
- States 15 years of experience (lender page, 2026-10-09)
- 12
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- MO 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)
- 13
Stacy FridalNMLS 289577
Guild Mortgage · Fort Collins, CO · licensed in 4 states
- First-time buyer
- Reverse mortgage
- MO 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 2008 (per Colorado records)
- States 30 years of experience (lender page, 2026-10-09)
- 14
Julie JohnsonNMLS 302214
CrossCountry Mortgage · Seattle, WA · licensed in 28 states
- First-time buyer
- MO 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)
- 15
Jay GarvensNMLS 368259
Churchill Mortgage · Colorado Springs, CO · licensed in 11 states
- First-time buyer
- FHA loan
- VA loan
- MO 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 2007 (per Colorado records)
- States 25 years of experience (lender page, 2026-10-09)
- 16
Charity CummingsNMLS 404245
Guild Mortgage · Bentonville, AR · licensed in 4 states
- First-time buyer
- MO 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 30 years of experience (lender page, 2026-10-09)
- 17
Joanna WhiteNMLS 404853
Union Home Mortgage · Arlington Heights, IL · licensed in 5 states
- First-time buyer
- Jumbo loan
- Real estate investor
- Vacation home
- MO 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 2021 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 18
Chad RankinNMLS 490282
Guild Mortgage · Worcester, MA · licensed in 38 states
- First-time buyer
- MO 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 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 19
Carla MarchettiNMLS 993397
Guild Mortgage · Overland Park, KS · licensed in 11 states
- First-time buyer
- VA loan
- FHA loan
- MO 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 19 years of experience (lender page, 2026-10-09)
- 20
Kimberly DownsNMLS 1130753
Guild Mortgage · Kansas City, MO · licensed in 2 states
- First-time buyer
- Self-employed
- MO 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 Kansas City, MO
- States 12 years of experience (lender page, 2026-10-09)
- 21
Craig CusickNMLS 210381
Fairway Independent Mortgage Corporation · Phoenix, AZ · licensed in 7 states
- First-time buyer
- FHA loan
- USDA loan
- VA loan
- MO 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 2021 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 22
Dan LarkinNMLS 258898
LeaderOne Financial · Oak Brook, IL · licensed in 18 states
- First-time buyer
- Real estate investor
- Construction loan
- Down payment assistance
- MO 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 2017 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 23
Joe McBreenNMLS 686541
CrossCountry Mortgage · Michigan City, IN · licensed in 22 states
- First-time buyer
- Real estate investor
- FHA loan
- MO 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 2018 (per Florida records)
- States 16 years of experience (lender page, 2026-10-09)
- 24
Mitchell ScottNMLS 1313748
CrossCountry Mortgage · Springfield, MO · licensed in 4 states
- First-time buyer
- Renovation loan (203k / HomeStyle)
- MO 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 Springfield, MO
- Licensed since 2026 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 25
John MarkmanNMLS 1660491
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 3 states
- First-time buyer
- Real estate investor
- Self-employed
- Bank statement loan
- MO 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 16 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?
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 MO license is confirmed with the state regulator (check mark), MO 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=MO. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.