--- canonical_url: https://lendb.ai/s/first-time-buyer/oregon last_verified: 2026-10-09 --- # Loan officers for first-time buyers in Oregon As of 2026-10-09, LenDb lists 271 loan officers licensed in or based in Oregon whose lender pages show First-time buyer work. The top-ranked are Phil Lyman (Guild Mortgage, Portland), Jessica Steenkolk (CrossCountry Mortgage, Newport) and Ben Gonzalez (CrossCountry Mortgage, Salem). Ranking is lender-neutral: specialty evidence first, then a license in OR, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Phil Lyman](https://lendb.ai/lo/phil-lyman-218232)** (NMLS 218232), Guild Mortgage, Portland, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Portland, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-09) 2. **[Jessica Steenkolk](https://lendb.ai/lo/jessica-steenkolk-1743610)** (NMLS 1743610), CrossCountry Mortgage, Newport, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Newport, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-09) 3. **[Ben Gonzalez](https://lendb.ai/lo/ben-gonzalez-717922)** (NMLS 717922), CrossCountry Mortgage, Salem, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Salem, OR - OR 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) 4. **[Pat Fox](https://lendb.ai/lo/pat-fox-199779)** (NMLS 199779), Union Home Mortgage, Tigard, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Tigard, OR - OR 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) 5. **[Mindy Hay](https://lendb.ai/lo/mindy-hay-292224)** (NMLS 292224), Union Home Mortgage, Tigard, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Tigard, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 16 years of experience (lender page, 2026-10-09) 6. **[Chris Berg](https://lendb.ai/lo/chris-berg-198082)** (NMLS 198082), Cardinal Financial Company, Vancouver, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OR 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) 7. **[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) - OR 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) 8. **[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) - OR 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) 9. **[Brian Brock](https://lendb.ai/lo/brian-brock-419013)** (NMLS 419013), Guild Mortgage, Lacey, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OR 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) 10. **[Chad Rankin](https://lendb.ai/lo/robert-rankin-490282)** (NMLS 490282), Guild Mortgage, Worcester, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 11. **[Katy Canales](https://lendb.ai/lo/katy-canales-270783)** (NMLS 270783), Churchill Mortgage, Salem, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Salem, OR - OR 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) 12. **[Sam Williams](https://lendb.ai/lo/sam-williams-408639)** (NMLS 408639), Churchill Mortgage, Salem, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Salem, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 21 years of experience (lender page, 2026-10-09) 13. **[Blake Vaughn](https://lendb.ai/lo/blake-vaughn-1806623)** (NMLS 1806623), CrossCountry Mortgage, Bend, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Bend, OR - OR 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) 14. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 15. **[Craig Cusick](https://lendb.ai/lo/craig-cusick-210381)** (NMLS 210381), Fairway Independent Mortgage Corporation, Phoenix, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 17 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) - OR 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. **[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) - OR 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) 18. **[Lynn Posselt](https://lendb.ai/lo/lynn-posselt-41393)** (NMLS 41393), Intercap Lending, Vancouver, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 40 years of experience (lender page, 2026-10-09) 19. **[Merrick Myers](https://lendb.ai/lo/merrick-myers-46122)** (NMLS 46122), Churchill Mortgage, Coeur d'Alene, ID - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 22 years of experience (lender page, 2026-10-09) 20. **[Shelley Covington](https://lendb.ai/lo/shelley-covington-102076)** (NMLS 102076), Intercap Lending, Kirkland, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OR 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) 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) - OR 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) 22. **[Domonique Gray](https://lendb.ai/lo/domonique-gray-900558)** (NMLS 900558), Churchill Mortgage, Brentwood, TN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 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) - Office in Portland, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Colorado records) - States 13 years of experience (lender page, 2026-10-09) 24. **[Jacob Halsey](https://lendb.ai/lo/jacob-halsey-2002509)** (NMLS 2002509), Guild Mortgage, McMinnville, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in McMinnville, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 5 years of experience (lender page, 2026-10-09) 25. **[Lynn Marie Bruno](https://lendb.ai/lo/lynn-marie-bruno-112674)** (NMLS 112674), Guild Mortgage, Lake Oswego, OR - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Lake Oswego, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 28 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/oregon. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._