Borrower situations · New Mexico
Loan officers for first-time buyers in New Mexico
As of 2026-10-10, LenDb lists 86 loan officers licensed in or based in New Mexico whose lender pages show First-time buyer work. The top-ranked are Lisa Cummings (Fairway Independent Mortgage Corporation, Albuquerque), Adam Workman (CrossCountry Mortgage, Charlotte) and Josh Penland (Fairway Independent Mortgage Corporation, Round Rock). Ranking is lender-neutral: specialty evidence first, then a license in NM, 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
Lisa CummingsNMLS 199679
Fairway Independent Mortgage Corporation · Albuquerque, NM · licensed in 3 states
- First-time buyer
- New construction
- Self-employed
- VA loan
- NM 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 Albuquerque, NM
- Licensed since 2007 (per Colorado records)
- 2
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- NM 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)
- 3
Josh PenlandNMLS 216357
Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states
- First-time buyer
- Jumbo loan
- Real estate investor
- Self-employed
- NM 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 23 years of experience (lender page, 2026-10-09)
- 4
Jay GarvensNMLS 368259
Churchill Mortgage · Colorado Springs, CO · licensed in 11 states
- First-time buyer
- FHA loan
- VA loan
- NM 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)
- 5
Sheilla LavadiaNMLS 1399453
Loan Factory · Mortgage broker · licensed in 10 states
- First-time buyer
- 1099 income
- Real estate investor
- Self-employed
- NM 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 22 years of experience (lender page, 2026-10-09)
- 6
Cheri WestNMLS 501323
Guild Mortgage · Centennial, CO · licensed in 6 states
- First-time buyer
- NM 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 Colorado records)
- 7
Jaeza MarcianoNMLS 1821059
NFM Lending · Tempe, AZ · licensed in 2 states
- First-time buyer
- VA loan
- NM 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 15 years of experience (lender page, 2026-10-09)
- 8
Emmett ColonNMLS 1370263
Loan Factory · Mortgage broker · licensed in 3 states
- First-time buyer
- NM 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 20 years of experience (lender page, 2026-10-09)
- 9
Shawn GarnerNMLS 1035302
Guild Mortgage · Centennial, CO · licensed in 6 states
- First-time buyer
- Down payment assistance
- NM 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 2013 (per Colorado records)
- 10
Dawn SchowalterNMLS 211115
Guild Mortgage · Richmond, VA · licensed in 13 states
- First-time buyer
- Reverse mortgage
- NM 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 2015 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 11
Judy L JonesNMLS 264968
Lower · Greenwood Village, CO · licensed in 3 states
- First-time buyer
- NM 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 2026-10-10)
- States 25 years of experience (lender page, 2026-10-10)
- 12
Cesar PardoNMLS 942929
Revolution Mortgage · Puyallup, WA · licensed in 13 states
- First-time buyer
- Real estate investor
- NM 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 12 years of experience (lender page, 2026-10-09)
- 13
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- First-time buyer
- Real estate investor
- Self-employed
- Condo
- NM 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 2016 (per Colorado records)
- 14
Heidi ValleNMLS 227744
Guild Mortgage · Albuquerque, NM
- First-time buyer
- NM 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 Albuquerque, NM
- 15
Caylab HerreraNMLS 2035377
Churchill Mortgage · Allen, TX · licensed in 8 states
- First-time buyer
- Real estate investor
- Construction loan
- NM 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 6 years of experience (lender page, 2026-10-09)
- 16
Cody McHughNMLS 1181777
CrossCountry Mortgage · Greenwood Village, CO · licensed in 6 states
- First-time buyer
- Down payment assistance
- NM 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)
- 17
Erin HendricksNMLS 90634
Intercap Lending · Pleasant Grove, UT · licensed in 22 states
- First-time buyer
- Construction loan
- Down payment assistance
- New construction
- NM 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 20 years of experience (lender page, 2026-10-09)
- 18
Heath BarnesNMLS 210164
Guild Mortgage · Houston, TX · licensed in 10 states
- First-time buyer
- Jumbo loan
- Real estate investor
- Self-employed
- NM 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)
- 19
Geldie RichardsonNMLS 231386
Envoy Mortgage · Auburn, CA · licensed in 4 states
- First-time buyer
- Down payment assistance
- NM 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 20 years of experience (lender page, 2026-10-09)
- 20
Danielle AndersonNMLS 1842677
Guild Mortgage · Centennial, CO · licensed in 7 states
- First-time buyer
- Vacation home
- NM 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)
- 21
Rachelle CoffeyNMLS 203664
Homeowners Financial Group · Scottsdale, AZ · licensed in 10 states
- First-time buyer
- Down payment assistance
- FHA loan
- VA loan
- NM 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)
- 22
Kevin RudrudNMLS 335381
NFM Lending · Kailua-Kona, HI · licensed in 7 states
- First-time buyer
- Vacation home
- FHA loan
- VA loan
- NM 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)
- 23
Roger WightmanNMLS 1089536
Churchill Mortgage · Portland, OR · licensed in 16 states
- First-time buyer
- Real estate investor
- NM 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)
- 24
Hope OrtonNMLS 260618
Intercap Lending · St. George, UT · licensed in 8 states
- First-time buyer
- Real estate investor
- VA loan
- Jumbo loan
- NM 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 Florida records)
- 25
Greg MatternNMLS 1081954
Guild Mortgage · Windsor, CO · licensed in 5 states
- First-time buyer
- Self-employed
- Down payment assistance
- NM 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 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 NM license is confirmed with the state regulator (check mark), NM 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=NM. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.