--- canonical_url: https://lendb.ai/s/first-time-buyer/montana last_verified: 2026-10-09 --- # Loan officers for first-time buyers in Montana As of 2026-10-09, LenDb lists 103 loan officers licensed in or based in Montana whose lender pages show First-time buyer work. The top-ranked are Sheri Pexa (Guild Mortgage, Billings), Edwin Santiago (CrossCountry Mortgage, Wayne) and Merrick Myers (Churchill Mortgage, Coeur d'Alene). Ranking is lender-neutral: specialty evidence first, then a license in MT, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Sheri Pexa](https://lendb.ai/lo/sheri-pexa-172306)** (NMLS 172306), Guild Mortgage, Billings, MT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - Branch in Montana - 27 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 2. **[Edwin Santiago](https://lendb.ai/lo/edwin-santiago-133618)** (NMLS 133618), CrossCountry Mortgage, Wayne, PA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 15 years licensed - No disciplinary actions on file at LenDb 3. **[Merrick Myers](https://lendb.ai/lo/merrick-myers-46122)** (NMLS 46122), Churchill Mortgage, Coeur d'Alene, ID - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 22 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 4. **[Matthew Merrill](https://lendb.ai/lo/matthew-merrill-115282)** (NMLS 115282), Guild Mortgage, Vancouver, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (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 5. **[Sam Williams](https://lendb.ai/lo/sam-williams-408639)** (NMLS 408639), Churchill Mortgage, Salem, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 21 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 6. **[Cherie Smith](https://lendb.ai/lo/cherie-smith-570248)** (NMLS 570248), Guild Mortgage, Redmond, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 25 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 7. **[Mike Molina](https://lendb.ai/lo/mike-molina-230545)** (NMLS 230545), Intercap Lending, Cottonwood Heights, UT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 19 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 8. **[Rob Briggs](https://lendb.ai/lo/rob-briggs-1627558)** (NMLS 1627558), CrossCountry Mortgage, Snohomish, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 9 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 9. **[Kevin Holmes](https://lendb.ai/lo/kevin-holmes-193246)** (NMLS 193246), NFM Lending, Linthicum, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 14 years licensed - No disciplinary actions on file at LenDb 10. **[Pat Fox](https://lendb.ai/lo/pat-fox-199779)** (NMLS 199779), Union Home Mortgage, Tigard, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (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 11. **[Roger Wightman](https://lendb.ai/lo/roger-wightman-1089536)** (NMLS 1089536), Churchill Mortgage, Portland, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 13 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 12. **[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) - Licensed in MT (listed on lender page, verified 2026-10-09) - 1 years licensed - No disciplinary actions on file at LenDb 13. **[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) - Licensed in MT (listed on lender page, verified 2026-10-09) - 9 years licensed - No disciplinary actions on file at LenDb 14. **[Jay Garvens](https://lendb.ai/lo/jay-garvens-368259)** (NMLS 368259), Churchill Mortgage, Colorado Springs, CO - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 8 years licensed - No disciplinary actions on file at LenDb 15. **[Lexie Williams](https://lendb.ai/lo/lexie-williams-1235492)** (NMLS 1235492), Guild Mortgage, Billings, MT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - Branch in Montana - No disciplinary actions on file at LenDb 16. **[Camille Olson](https://lendb.ai/lo/camille-olson-474281)** (NMLS 474281), Barrett Financial Group, Chandler, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 2 years licensed - No disciplinary actions on file at LenDb 17. **[Sandi Ann Milohov](https://lendb.ai/lo/sandi-milohov-114287)** (NMLS 114287), Guild Mortgage, Vancouver, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 18. **[Stacey Dowling](https://lendb.ai/lo/stacey-dowling-196631)** (NMLS 196631), Xpert Home Lending - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 1 years licensed - No disciplinary actions on file at LenDb 19. **[Greg Popa](https://lendb.ai/lo/greg-popa-214366)** (NMLS 214366), Union Home Mortgage, Strongsville, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 8 years licensed - No disciplinary actions on file at LenDb 20. **[Mike Ognissanti](https://lendb.ai/lo/michael-ognissanti-236053)** (NMLS 236053), Churchill Mortgage, Roseville, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 4 years licensed - No disciplinary actions on file at LenDb 21. **[Jeff Edwards](https://lendb.ai/lo/jeff-edwards-404522)** (NMLS 404522), Churchill Mortgage, Coeur d'Alene, ID - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 32 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 22. **[Melissa Bergren](https://lendb.ai/lo/melissa-bergren-931932)** (NMLS 931932), Guild Mortgage, Ellensburg, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 23. **[Megan Wall](https://lendb.ai/lo/megan-wall-2179279)** (NMLS 2179279), Guild Mortgage, Reno, NV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 24. **[Casey Sean Oiness](https://lendb.ai/lo/casey-oiness-265169)** (NMLS 265169), Guild Mortgage, Bellevue, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - 3 years licensed - No disciplinary actions on file at LenDb 25. **[Denise Wilts](https://lendb.ai/lo/denise-wilts-1793715)** (NMLS 1793715), Xpert Home Lending - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Licensed in MT (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb ## 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/montana. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._