--- canonical_url: https://lendb.ai/s/first-time-buyer/nevada last_verified: 2026-10-09 --- # Loan officers for first-time buyers in Nevada As of 2026-10-09, LenDb lists 192 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. ## Ranked, with reasons 1. **[Charlene Perez](https://lendb.ai/lo/charlene-perez-391908)** (NMLS 391908), Guild Mortgage, Henderson, NV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Henderson, NV - NV 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) 2. **[Jorge I Montoya Morales](https://lendb.ai/lo/jorge-i-montoya-morales-276125)** (NMLS 276125), Guild Mortgage, Reno, NV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Reno, NV - NV 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) 3. **[Steve Lee](https://lendb.ai/lo/steve-lee-272302)** (NMLS 272302), CrossCountry Mortgage, Henderson, NV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Henderson, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 4. **[Lisa J. Foster](https://lendb.ai/lo/lisa-j-foster-461656)** (NMLS 461656), Homeowners Financial Group, Las Vegas, NV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Las Vegas, NV - NV 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) 5. **[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) - NV 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) 6. **[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) - NV 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) 7. **[Amber Page](https://lendb.ai/lo/amber-page-229184)** (NMLS 229184), Evergreen Home Loans, Silverdale, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NV 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) 8. **[Daniel Patrick Nacarato](https://lendb.ai/lo/daniel-nacarato-247584)** (NMLS 247584), Barrett Financial Group, Chandler, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 9. **[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) - NV 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) 10. **[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) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 19 years of experience (lender page, 2026-10-09) 11. **[Cathy Sabater](https://lendb.ai/lo/catherine-sabater-373470)** (NMLS 373470), Empire Home Loans - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 12. **[Carla Marchetti](https://lendb.ai/lo/carla-marchetti-993397)** (NMLS 993397), Guild Mortgage, Overland Park, KS - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 19 years of experience (lender page, 2026-10-09) 13. **[Andrea Eggleton](https://lendb.ai/lo/andrea-eggleton-1122404)** (NMLS 1122404), Intercap Lending, Cottonwood Heights, UT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) - States 17 years of experience (lender page, 2026-10-09) 14. **[Raena Pinchuk](https://lendb.ai/lo/raena-pinchuk-1488388)** (NMLS 1488388), CrossCountry Mortgage, Coeur d'Alene, ID - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 17 years of experience (lender page, 2026-10-09) 15. **[Mark Gonzales](https://lendb.ai/lo/mark-gonzales-280952)** (NMLS 280952), Guild Mortgage, Orange, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 27 years of experience (lender page, 2026-10-09) 16. **[Joe McBreen](https://lendb.ai/lo/joseph-mcbreen-686541)** (NMLS 686541), CrossCountry Mortgage, Michigan City, IN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 16 years of experience (lender page, 2026-10-09) 17. **[Sheila Cervantes](https://lendb.ai/lo/sheila-cervantes-1498427)** (NMLS 1498427), Guild Mortgage, Sparks, NV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Sparks, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 10 years of experience (lender page, 2026-10-09) 18. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 19. **[Devin Fahrner](https://lendb.ai/lo/devin-fahrner-399405)** (NMLS 399405), American Pacific Mortgage, Eagle, ID - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Colorado records) - States 30 years of experience (lender page, 2026-10-09) 20. **[Chamae Swisher](https://lendb.ai/lo/chamae-swisher-1895794)** (NMLS 1895794), American Pacific Mortgage, Winnemucca, NV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Winnemucca, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 10 years of experience (lender page, 2026-10-09) 21. **[Cesar Pardo](https://lendb.ai/lo/cesar-pardo-942929)** (NMLS 942929), Revolution Mortgage, Puyallup, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 12 years of experience (lender page, 2026-10-09) 22. **[Mark Mabey](https://lendb.ai/lo/mark-mabey-287958)** (NMLS 287958), Guild Mortgage, South Jordan, UT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) - States 11 years of experience (lender page, 2026-10-09) 23. **[Amy Goss](https://lendb.ai/lo/amy-goss-194181)** (NMLS 194181), Guild Mortgage, Jacksonville, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 24. **[Leanne Larson](https://lendb.ai/lo/leanne-larson-195945)** (NMLS 195945), CrossCountry Mortgage, Henderson, NV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Henderson, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Brandy Marshall](https://lendb.ai/lo/brandy-marshall-260588)** (NMLS 260588), Guild Mortgage, Minden, NV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Minden, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/nevada. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._