Borrower situations · Nevada
Loan officers for first-time buyers in Nevada
As of 2026-10-09, LenDb lists 199 loan officers licensed in or based in Nevada whose lender pages show First-time buyer work. The top-ranked are Charlene Perez (Guild Mortgage, Henderson), Jorge I Montoya Morales (Guild Mortgage, Reno) and Steve Lee (CrossCountry Mortgage, Henderson). Ranking is lender-neutral: specialty evidence first, then a license in NV, 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
Charlene PerezNMLS 391908
Guild Mortgage · Henderson, NV
- First-time buyer
- VA loan
- NV 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 Henderson, NV
- States 25 years of experience (lender page, 2026-10-09)
- 2
Jorge I Montoya MoralesNMLS 276125
Guild Mortgage · Reno, NV · licensed in 2 states
- First-time buyer
- NV 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 Reno, NV
- States 20 years of experience (lender page, 2026-10-09)
- 3
Steve LeeNMLS 272302
CrossCountry Mortgage · Henderson, NV · licensed in 2 states
- First-time buyer
- FHA loan
- Jumbo loan
- Non-QM loan
- NV 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 Henderson, NV
- Licensed since 2024 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 4
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- NV 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)
- 5
Daniel Patrick NacaratoNMLS 247584
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 5 states
- First-time buyer
- Real estate investor
- VA loan
- Vacation home
- NV 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 Colorado records)
- States 25 years of experience (lender page, 2026-10-09)
- 6
Julie JohnsonNMLS 302214
CrossCountry Mortgage · Seattle, WA · licensed in 28 states
- First-time buyer
- NV 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)
- 7
Carla MarchettiNMLS 993397
Guild Mortgage · Overland Park, KS · licensed in 11 states
- First-time buyer
- VA loan
- FHA loan
- NV 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)
- 8
Raena PinchukNMLS 1488388
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 4 states
- First-time buyer
- New construction
- Self-employed
- VA loan
- NV 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 17 years of experience (lender page, 2026-10-09)
- 9
Mark GonzalesNMLS 280952
Guild Mortgage · Orange, CA · licensed in 2 states
- First-time buyer
- NV 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 27 years of experience (lender page, 2026-10-09)
- 10
Joe McBreenNMLS 686541
CrossCountry Mortgage · Michigan City, IN · licensed in 22 states
- First-time buyer
- Real estate investor
- FHA loan
- NV 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)
- 11
Sheila CervantesNMLS 1498427
Guild Mortgage · Sparks, NV · licensed in 2 states
- First-time buyer
- NV 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 Sparks, NV
- States 10 years of experience (lender page, 2026-10-09)
- 12
Jeffrey ZulaufNMLS 18566
CrossCountry Mortgage · Suwanee, GA · licensed in 22 states
- First-time buyer
- Condo
- Real estate investor
- NV 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 2019 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 13
Devin FahrnerNMLS 399405
American Pacific Mortgage · Eagle, ID · licensed in 17 states
- First-time buyer
- VA loan
- Real estate investor
- Reverse mortgage
- NV 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 Colorado records)
- States 30 years of experience (lender page, 2026-10-09)
- 14
Chamae SwisherNMLS 1895794
American Pacific Mortgage · Winnemucca, NV
- First-time buyer
- NV 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 Winnemucca, NV
- States 10 years of experience (lender page, 2026-10-09)
- 15
Denise PanzaNMLS 16446
Total Mortgage Services · Naples, FL · licensed in 20 states
- First-time buyer
- NV 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)
- 16
Cathy SabaterNMLS 373470
Empire Home Loans · Mortgage broker · San Diego, CA · licensed in 5 states
- First-time buyer
- Self-employed
- VA loan
- NV 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 20 years of experience (lender page, 2026-10-09)
- 17
Domonique GrayNMLS 900558
Churchill Mortgage · Brentwood, TN · licensed in 31 states
- First-time buyer
- FHA loan
- Real estate investor
- VA loan
- NV 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)
- 18
Mike MolinaNMLS 230545
Intercap Lending · Cottonwood Heights, UT · licensed in 6 states
- First-time buyer
- Real estate investor
- Renovation loan (203k / HomeStyle)
- NV 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 19 years of experience (lender page, 2026-10-09)
- 19
Mark MabeyNMLS 287958
Guild Mortgage · South Jordan, UT · licensed in 5 states
- First-time buyer
- NV 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 Colorado records)
- States 11 years of experience (lender page, 2026-10-09)
- 20
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- First-time buyer
- Down payment assistance
- Jumbo loan
- Physician and medical professional
- NV 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 17 years of experience (lender page, 2026-10-09)
- 21
Andrea EggletonNMLS 1122404
Intercap Lending · Cottonwood Heights, UT · licensed in 5 states
- First-time buyer
- NV 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 Colorado records)
- States 17 years of experience (lender page, 2026-10-09)
- 22
Amy GossNMLS 194181
Guild Mortgage · Jacksonville, NC · licensed in 12 states
- First-time buyer
- FHA loan
- USDA loan
- VA loan
- NV 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)
- 23
Leanne LarsonNMLS 195945
CrossCountry Mortgage · Henderson, NV · licensed in 3 states
- First-time buyer
- Real estate investor
- VA loan
- NV 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 Henderson, NV
- 24
Brandy MarshallNMLS 260588
Guild Mortgage · Minden, NV · licensed in 4 states
- First-time buyer
- Self-employed
- NV 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 Minden, NV
- 25
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- First-time buyer
- Condo
- Non-QM loan
- New construction
- NV 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 Colorado records)
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 NV license is confirmed with the state regulator (check mark), NV 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=NV. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.