--- canonical_url: https://lendb.ai/s/first-time-buyer/north-carolina last_verified: 2026-10-09 --- # Loan officers for first-time buyers in North Carolina As of 2026-10-09, LenDb lists 446 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. ## Ranked, with reasons 1. **[John Schmidlin](https://lendb.ai/lo/john-schmidlin-69847)** (NMLS 69847), Guild Mortgage, High Point, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in High Point, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 29 years of experience (lender page, 2026-10-09) 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) - Office in Charlotte, NC - NC 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) 3. **[Kim Lorenzana](https://lendb.ai/lo/kimberly-lorenzana-308713)** (NMLS 308713), Guild Mortgage, Raleigh, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Raleigh, NC - NC 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) 4. **[Donna King](https://lendb.ai/lo/donna-king-637803)** (NMLS 637803), Union Home Mortgage, Asheville, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Asheville, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 5. **[Chris Beaver](https://lendb.ai/lo/chris-beaver-69497)** (NMLS 69497), Atlantic Coast Mortgage, Greenville, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Greenville, NC - NC 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) 6. **[Char-Lee Smith](https://lendb.ai/lo/char-lee-smith-485886)** (NMLS 485886), Atlantic Coast Mortgage, Huntersville, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Huntersville, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 35 years of experience (lender page, 2026-10-09) 7. **[Walter Ortiz](https://lendb.ai/lo/walter-ortiz-511771)** (NMLS 511771), First Citizens Bank, Charlotte, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Charlotte, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 20 years of experience (lender page, 2026-10-09) 8. **[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) - NC 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) 9. **[Scott Dunning](https://lendb.ai/lo/scott-dunning-101361)** (NMLS 101361), CrossCountry Mortgage, Midlothian, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NC 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) 10. **[Ken Byrne](https://lendb.ai/lo/kenneth-byrne-187129)** (NMLS 187129), ALCOVA Mortgage, Chantilly, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 34 years of experience (lender page, 2026-10-09) 11. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 12. **[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) - NC 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) 13. **[Eric Stenger](https://lendb.ai/lo/eric-stenger-229964)** (NMLS 229964), Guild Mortgage, Martinsburg, WV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 14. **[Michelle Greenwalt](https://lendb.ai/lo/michelle-greenwalt-267729)** (NMLS 267729), First Home Mortgage, Millersville, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 15. **[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) - NC 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) 16. **[Troy Rabidoux](https://lendb.ai/lo/troy-rabidoux-771053)** (NMLS 771053), Union Home Mortgage, Rochester, MI - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 17. **[Susan Howe](https://lendb.ai/lo/susan-howe-848400)** (NMLS 848400), Fairway Independent Mortgage Corporation, Foxboro, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 18. **[Greg Jackson](https://lendb.ai/lo/gregory-jackson-1105139)** (NMLS 1105139), CrossCountry Mortgage, Alpharetta, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 19. **[Joe Donovan](https://lendb.ai/lo/joe-donovan-1450210)** (NMLS 1450210), CrossCountry Mortgage, Suwanee, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 20. **[Aaron Sanders](https://lendb.ai/lo/aaron-sanders-2555076)** (NMLS 2555076), CrossCountry Mortgage, Delray Beach, FL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 21. **[Bonnie Jackson](https://lendb.ai/lo/bonnie-jackson-450491)** (NMLS 450491), Atlantic Coast Mortgage, Huntersville, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Huntersville, NC - NC 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) 22. **[Alex Jaffe](https://lendb.ai/lo/alex-jaffe-192106)** (NMLS 192106), First Home Mortgage, Chevy Chase, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 18 years of experience (lender page, 2026-10-09) 23. **[David Joyner](https://lendb.ai/lo/david-joyner-116874)** (NMLS 116874), TowneBank Mortgage, Kitty Hawk, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Kitty Hawk, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 20 years of experience (lender page, 2026-10-09) 24. **[Aerick Squier](https://lendb.ai/lo/aerick-squier-212834)** (NMLS 212834), American Pacific Mortgage, Glendale, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - NC 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) 25. **[Libby Tamson](https://lendb.ai/lo/libby-tamson-118005)** (NMLS 118005), Southern Trust Mortgage, Wilmington, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Wilmington, NC - NC 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) ## 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/north-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._