Borrower situations · North Carolina
Loan officers for first-time buyers in North Carolina
As of 2026-10-09, LenDb lists 442 loan officers licensed in or based in North Carolina whose lender pages show First-time buyer work. The top-ranked are John Schmidlin (Guild Mortgage, High Point), Adam Workman (CrossCountry Mortgage, Charlotte) and Kim Lorenzana (Guild Mortgage, Raleigh). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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
John SchmidlinNMLS 69847
Guild Mortgage · High Point, NC · licensed in 3 states
- First-time buyer
- Real estate investor
- Construction loan
- Down payment assistance
- NC 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 High Point, NC
- States 29 years of experience (lender page, 2026-10-09)
- 2
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- NC 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 Charlotte, NC
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Kim LorenzanaNMLS 308713
Guild Mortgage · Raleigh, NC · licensed in 3 states
- First-time buyer
- NC 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 Raleigh, NC
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 4
Donna KingNMLS 637803
Union Home Mortgage · Asheville, NC · licensed in 3 states
- First-time buyer
- Self-employed
- NC 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 Asheville, NC
- Licensed since 2025 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 5
Chris BeaverNMLS 69497
Atlantic Coast Mortgage · Greenville, NC
- First-time buyer
- NC 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 Greenville, NC
- States 20 years of experience (lender page, 2026-10-09)
- 6
Char-Lee SmithNMLS 485886
Atlantic Coast Mortgage · Huntersville, NC · licensed in 2 states
- First-time buyer
- NC 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 Huntersville, NC
- States 35 years of experience (lender page, 2026-10-09)
- 7
Walter OrtizNMLS 511771
First Citizens Bank · Bank · Charlotte, NC
- First-time buyer
- VA loan
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Charlotte, NC
- States 20 years of experience (lender page, 2026-10-09)
- 8
Denise PanzaNMLS 16446
Total Mortgage Services · Naples, FL · licensed in 20 states
- First-time buyer
- Real estate investor
- NC 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)
- 9
Scott DunningNMLS 101361
CrossCountry Mortgage · Midlothian, VA · licensed in 3 states
- First-time buyer
- New construction
- Real estate investor
- FHA loan
- NC 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)
- 10
Ken ByrneNMLS 187129
ALCOVA Mortgage · Chantilly, VA · licensed in 7 states
- First-time buyer
- Real estate investor
- Self-employed
- VA loan
- NC 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 34 years of experience (lender page, 2026-10-09)
- 11
Josh PenlandNMLS 216357
Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states
- First-time buyer
- Jumbo loan
- Real estate investor
- Self-employed
- NC 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 23 years of experience (lender page, 2026-10-09)
- 12
Amber PageNMLS 229184
Evergreen Home Loans · Silverdale, WA · licensed in 14 states
- First-time buyer
- NC 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 20 years of experience (lender page, 2026-10-09)
- 13
Eric StengerNMLS 229964
Guild Mortgage · Martinsburg, WV · licensed in 6 states
- First-time buyer
- VA loan
- NC 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 30 years of experience (lender page, 2026-10-09)
- 14
Michelle GreenwaltNMLS 267729
First Home Mortgage · Millersville, MD · licensed in 9 states
- First-time buyer
- Down payment assistance
- NC 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)
- States 20 years of experience (lender page, 2026-10-09)
- 15
Julie JohnsonNMLS 302214
CrossCountry Mortgage · Seattle, WA · licensed in 28 states
- First-time buyer
- NC 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)
- 16
Troy RabidouxNMLS 771053
Union Home Mortgage · Rochester, MI · licensed in 5 states
- First-time buyer
- NC 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)
- 17
Susan HoweNMLS 848400
Fairway Independent Mortgage Corporation · Foxboro, MA · licensed in 12 states
- First-time buyer
- VA loan
- NC 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 25 years of experience (lender page, 2026-10-09)
- 18
Greg JacksonNMLS 1105139
CrossCountry Mortgage · Alpharetta, GA · licensed in 10 states
- First-time buyer
- VA loan
- FHA loan
- NC 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 24 years of experience (lender page, 2026-10-09)
- 19
Joe DonovanNMLS 1450210
CrossCountry Mortgage · Suwanee, GA · licensed in 6 states
- First-time buyer
- Real estate investor
- Renovation loan (203k / HomeStyle)
- VA loan
- NC 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 2026 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 20
Aaron SandersNMLS 2555076
CrossCountry Mortgage · Delray Beach, FL · licensed in 19 states
- First-time buyer
- Real estate investor
- VA loan
- Construction loan
- NC 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 20 years of experience (lender page, 2026-10-09)
- 21
Bonnie JacksonNMLS 450491
Atlantic Coast Mortgage · Huntersville, NC · licensed in 8 states
- First-time buyer
- Self-employed
- Construction loan
- NC 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 Huntersville, NC
- Licensed since 2019 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 22
Alex JaffeNMLS 192106
First Home Mortgage · Chevy Chase, MD · licensed in 4 states
- First-time buyer
- NC 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 18 years of experience (lender page, 2026-10-09)
- 23
David JoynerNMLS 116874
TowneBank Mortgage · Bank · Kitty Hawk, NC
- First-time buyer
- Self-employed
- Real estate investor
- Vacation home
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Kitty Hawk, NC
- States 20 years of experience (lender page, 2026-10-09)
- 24
Aerick SquierNMLS 212834
American Pacific Mortgage · Glendale, AZ · licensed in 4 states
- First-time buyer
- NC 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)
- 25
Libby TamsonNMLS 118005
Southern Trust Mortgage · Wilmington, NC · licensed in 2 states
- First-time buyer
- NC 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 Wilmington, NC
- States 25 years of experience (lender page, 2026-10-09)
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 NC license is confirmed with the state regulator (check mark), NC 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=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.