--- canonical_url: https://lendb.ai/s/first-time-buyer/new-mexico last_verified: 2026-10-10 --- # 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. ## Ranked, with reasons 1. **[Lisa Cummings](https://lendb.ai/lo/lisa-cummings-199679)** (NMLS 199679), Fairway Independent Mortgage Corporation, Albuquerque, NM - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Albuquerque, NM - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 23, 2007 (Colorado), per state regulator 2. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 9, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 3. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 17, 2022 (Colorado), per state regulator - States 23 years of experience (lender page, 2026-10-09) 4. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 25, 2007 (Colorado), per state regulator - States 25 years of experience (lender page, 2026-10-09) 5. **[Sheilla Lavadia](https://lendb.ai/lo/sheilla-lavadia-1399453)** (NMLS 1399453), Loan Factory - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 10, 2023 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-09) 6. **[Cheri West](https://lendb.ai/lo/cheri-west-501323)** (NMLS 501323), Guild Mortgage, Centennial, CO - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 29, 2011 (Colorado), per state regulator 7. **[Jaeza Marciano](https://lendb.ai/lo/jaeza-marciano-1821059)** (NMLS 1821059), NFM Lending, Tempe, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 8. **[Emmett Colon](https://lendb.ai/lo/emmett-colon-1370263)** (NMLS 1370263), Loan Factory - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM 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) 9. **[Shawn Garner](https://lendb.ai/lo/shawn-garner-1035302)** (NMLS 1035302), Guild Mortgage, Centennial, CO - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 10, 2013 (Colorado), per state regulator 10. **[Dawn Schowalter](https://lendb.ai/lo/dawn-schowalter-211115)** (NMLS 211115), Guild Mortgage, Richmond, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 17, 2015 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 11. **[Judy L Jones](https://lendb.ai/lo/judy-l-jones-264968)** (NMLS 264968), Lower, Greenwood Village, CO - Lists First-time buyer on lender page (lender page, verified 2026-10-10) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-10) 12. **[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) - NM 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) 13. **[Lenae Vandegrift](https://lendb.ai/lo/lenae-vandegrift-649456)** (NMLS 649456), American Pacific Mortgage, Thornton, CO - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 27, 2016 (Colorado), per state regulator 14. **[Heidi Valle](https://lendb.ai/lo/heidi-valle-227744)** (NMLS 227744), Guild Mortgage, Albuquerque, NM - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Albuquerque, NM - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Caylab Herrera](https://lendb.ai/lo/caylab-herrera-2035377)** (NMLS 2035377), Churchill Mortgage, Allen, TX - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 6 years of experience (lender page, 2026-10-09) 16. **[Cody McHugh](https://lendb.ai/lo/cody-mchugh-1181777)** (NMLS 1181777), CrossCountry Mortgage, Greenwood Village, CO - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 27, 2021 (Colorado), per state regulator 17. **[Erin Hendricks](https://lendb.ai/lo/dennis-hendricks-90634)** (NMLS 90634), Intercap Lending, Pleasant Grove, UT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 1, 2021 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 18. **[Heath Barnes](https://lendb.ai/lo/heath-barnes-210164)** (NMLS 210164), Guild Mortgage, Houston, TX - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 1, 2022 (Colorado), per state regulator 19. **[Geldie Richardson](https://lendb.ai/lo/geldie-richardson-231386)** (NMLS 231386), Envoy Mortgage, Auburn, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM 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) 20. **[Danielle Anderson](https://lendb.ai/lo/danielle-anderson-1842677)** (NMLS 1842677), Guild Mortgage, Centennial, CO - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 8, 2024 (Colorado), per state regulator 21. **[Rachelle Coffey](https://lendb.ai/lo/rachelle-coffey-203664)** (NMLS 203664), Homeowners Financial Group, Scottsdale, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Kevin Rudrud](https://lendb.ai/lo/kevin-rudrud-335381)** (NMLS 335381), NFM Lending, Kailua-Kona, HI - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 18, 2024 (Colorado), per state regulator 24. **[Hope Orton](https://lendb.ai/lo/hope-orton-260618)** (NMLS 260618), Intercap Lending, St. George, UT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 8, 2022 (Florida), per state regulator 25. **[Greg Mattern](https://lendb.ai/lo/greg-mattern-1081954)** (NMLS 1081954), Guild Mortgage, Windsor, CO - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 29, 2018 (Colorado), per state regulator ## 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/new-mexico. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._