Borrower situations · Pennsylvania
Loan officers for first-time buyers in Pennsylvania
As of 2026-10-09, LenDb lists 258 loan officers licensed in or based in Pennsylvania whose lender pages show First-time buyer work. The top-ranked are Michael Miley (CrossCountry Mortgage, Reading), Denise Panza (Total Mortgage Services, Naples) and Adam Workman (CrossCountry Mortgage, Charlotte). Ranking is lender-neutral: specialty evidence first, then a license in PA, 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
Michael MileyNMLS 413510
CrossCountry Mortgage · Reading, PA · licensed in 2 states
- First-time buyer
- VA loan
- FHA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 74685), verified 2026-10-09
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Reading, PA
- Licensed since 2022 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 2
Denise PanzaNMLS 16446
Total Mortgage Services · Naples, FL · licensed in 20 states
- First-time buyer
- Real estate investor
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 71593), verified 2026-10-09
- 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)
- 3
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 42807), verified 2026-10-09
- 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)
- 4
Kevin BerjuNMLS 137213
CrossCountry Mortgage · Moorestown, NJ · licensed in 4 states
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 24352), verified 2026-10-09
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 5
Eric StengerNMLS 229964
Guild Mortgage · Martinsburg, WV · licensed in 6 states
- First-time buyer
- VA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 75853), verified 2026-10-09
- 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)
- 6
Michelle GreenwaltNMLS 267729
First Home Mortgage · Millersville, MD · licensed in 9 states
- First-time buyer
- Down payment assistance
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 32257), verified 2026-10-09
- 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)
- 7
Susan HoweNMLS 848400
Fairway Independent Mortgage Corporation · Foxboro, MA · licensed in 12 states
- First-time buyer
- VA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 113641), verified 2026-10-09
- 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)
- 8
Jason InglishNMLS 934863
ALCOVA Mortgage · Cumberland, MD · licensed in 7 states
- First-time buyer
- FHA loan
- Real estate investor
- USDA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 69795), verified 2026-10-09
- 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)
- 9
Kenneth JohnsonNMLS 204926
CrossCountry Mortgage · Doylestown, PA · licensed in 3 states
- First-time buyer
- FHA loan
- VA loan
- HELOC
- PA 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 Doylestown, PA
- States 19 years of experience (lender page, 2026-10-09)
- 10
Todd McDermottNMLS 63690
Homestead Funding · Goshen, NY · licensed in 9 states
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 69591), verified 2026-10-09
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 11
Bruce J. TingleNMLS 137100
Loan Factory · Mortgage broker · licensed in 2 states
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 109600), verified 2026-10-09
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 25 years of experience (lender page, 2026-10-09)
- 12
David DemmerNMLS 133209
Atlantic Coast Mortgage · licensed in 2 states
- First-time buyer
- Construction loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 39583), verified 2026-10-09
- 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)
- 13
Jeffrey ZulaufNMLS 18566
CrossCountry Mortgage · Suwanee, GA · licensed in 22 states
- First-time buyer
- Condo
- Real estate investor
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 81296), verified 2026-10-09
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 14
Nathan FitzgeraldNMLS 369554
CrossCountry Mortgage · Orlando, FL · licensed in 15 states
- First-time buyer
- VA loan
- Renovation loan (203k / HomeStyle)
- HELOC
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 63943), verified 2026-10-09
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 15
John AstrologoNMLS 441861
CrossCountry Mortgage · White Plains, NY · licensed in 10 states
- First-time buyer
- Co-op
- FHA loan
- Jumbo loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 97719), verified 2026-10-09
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 16 years of experience (lender page, 2026-10-09)
- 16
Helena LopesNMLS 2514903
CrossCountry Mortgage · Lansdale, PA · licensed in 2 states
- First-time buyer
- PA 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 Lansdale, PA
- States 14 years of experience (lender page, 2026-10-09)
- 17
Rob KaiserNMLS 146468
CrossCountry Mortgage · Sarasota, FL · licensed in 6 states
- First-time buyer
- Down payment assistance
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- PA 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 22 years of experience (lender page, 2026-10-09)
- 18
James WardNMLS 168854
Fairway Independent Mortgage Corporation · Houston, TX · licensed in 2 states
- First-time buyer
- FHA loan
- Jumbo loan
- New construction
- PA 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 25 years of experience (lender page, 2026-10-09)
- 19
Ryan PaquinNMLS 187868
First Home Mortgage · Crofton, MD · licensed in 10 states
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 59298), verified 2026-10-09
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 20
Jeff JacksonNMLS 205807
Southern Trust Mortgage · Timonium, MD · licensed in 4 states
- First-time buyer
- PA 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 30 years of experience (lender page, 2026-10-09)
- 21
Chris GenoveseNMLS 210006
Total Mortgage Services · Harrisonburg, VA · licensed in 3 states
- First-time buyer
- PA 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 23 years of experience (lender page, 2026-10-09)
- 22
Ron GosewischNMLS 210533
NFM Lending · Haddonfield, NJ · licensed in 3 states
- First-time buyer
- PA 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 23 years of experience (lender page, 2026-10-09)
- 23
Jane GardnerNMLS 422023
CrossCountry Mortgage · Moorestown, NJ
- First-time buyer
- PA 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 35 years of experience (lender page, 2026-10-09)
- 24
Chad RankinNMLS 490282
Guild Mortgage · Worcester, MA · licensed in 38 states
- First-time buyer
- PA 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 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 25
Bobby LuuNMLS 185192
American Pacific Mortgage · Reston, VA · licensed in 8 states
- First-time buyer
- FHA loan
- Jumbo loan
- Non-QM loan
- PA 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 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 PA license is confirmed with the state regulator (check mark), PA 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=PA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.