---
canonical_url: https://lendb.ai/s/first-time-buyer/pennsylvania
last_verified: 2026-10-09
---

# 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.

## Ranked, with reasons

1. **[Michael Miley](https://lendb.ai/lo/michael-miley-413510)** (NMLS 413510), CrossCountry Mortgage, Reading, PA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Reading, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 74685), verified 2026-10-09
   - Licensed since 2022 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
2. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 71593), verified 2026-10-09
   - Licensed since 2011 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
3. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 42807), verified 2026-10-09
   - Licensed since 2020 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
4. **[Kevin Berju](https://lendb.ai/lo/kevin-berju-137213)** (NMLS 137213), CrossCountry Mortgage, Moorestown, NJ
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 24352), verified 2026-10-09
   - Licensed since 2018 (per Florida records)
   - States 25 years of experience (lender page, 2026-10-09)
5. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 75853), verified 2026-10-09
   - Licensed since 2020 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
6. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 32257), verified 2026-10-09
   - Licensed since 2022 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
7. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 113641), verified 2026-10-09
   - Licensed since 2020 (per Florida records)
   - States 25 years of experience (lender page, 2026-10-09)
8. **[Jason Inglish](https://lendb.ai/lo/jason-inglish-934863)** (NMLS 934863), ALCOVA Mortgage, Cumberland, MD
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 69795), verified 2026-10-09
   - Licensed since 2022 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
9. **[Kenneth Johnson](https://lendb.ai/lo/kenneth-johnson-204926)** (NMLS 204926), CrossCountry Mortgage, Doylestown, PA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Doylestown, PA
   - PA 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)
10. **[Todd McDermott](https://lendb.ai/lo/todd-mcdermott-63690)** (NMLS 63690), Homestead Funding, Goshen, NY
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 69591), verified 2026-10-09
   - Licensed since 2019 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
11. **[Bruce J. Tingle](https://lendb.ai/lo/bruce-j-tingle-137100)** (NMLS 137100), Loan Factory
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 109600), verified 2026-10-09
   - States 25 years of experience (lender page, 2026-10-09)
12. **[David Demmer](https://lendb.ai/lo/david-demmer-133209)** (NMLS 133209), Atlantic Coast Mortgage
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 39583), verified 2026-10-09
   - Licensed since 2022 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
13. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 81296), verified 2026-10-09
   - Licensed since 2019 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)
14. **[Nathan Fitzgerald](https://lendb.ai/lo/nathan-fitzgerald-369554)** (NMLS 369554), CrossCountry Mortgage, Orlando, FL
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 63943), verified 2026-10-09
   - Licensed since 2022 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)
15. **[John Astrologo](https://lendb.ai/lo/john-astrologo-441861)** (NMLS 441861), CrossCountry Mortgage, White Plains, NY
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 97719), verified 2026-10-09
   - Licensed since 2022 (per Florida records)
   - States 16 years of experience (lender page, 2026-10-09)
16. **[Helena Lopes](https://lendb.ai/lo/helena-lopes-2514903)** (NMLS 2514903), CrossCountry Mortgage, Lansdale, PA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Lansdale, PA
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 14 years of experience (lender page, 2026-10-09)
17. **[Rob Kaiser](https://lendb.ai/lo/robert-kaiser-146468)** (NMLS 146468), CrossCountry Mortgage, Sarasota, FL
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
   - States 22 years of experience (lender page, 2026-10-09)
18. **[James Ward](https://lendb.ai/lo/james-ward-168854)** (NMLS 168854), Fairway Independent Mortgage Corporation, Houston, TX
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - PA 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)
19. **[Ryan Paquin](https://lendb.ai/lo/ryan-paquin-187868)** (NMLS 187868), First Home Mortgage, Crofton, MD
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 59298), verified 2026-10-09
   - Licensed since 2012 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
20. **[Jeff Jackson](https://lendb.ai/lo/jeff-jackson-205807)** (NMLS 205807), Southern Trust Mortgage, Timonium, MD
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - PA 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)
21. **[Chris Genovese](https://lendb.ai/lo/chris-genovese-210006)** (NMLS 210006), Total Mortgage Services, Harrisonburg, VA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - PA 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)
22. **[Ron Gosewisch](https://lendb.ai/lo/ron-gosewisch-210533)** (NMLS 210533), NFM Lending, Haddonfield, NJ
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - PA 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)
23. **[Jane Gardner](https://lendb.ai/lo/jane-gardner-422023)** (NMLS 422023), CrossCountry Mortgage, Moorestown, NJ
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - PA 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)
24. **[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)
   - PA 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)
25. **[Bobby Luu](https://lendb.ai/lo/hong-luu-185192)** (NMLS 185192), American Pacific Mortgage, Reston, VA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
   - 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/pennsylvania.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._