LenDb.ai

Borrower situations · Rhode Island

Loan officers for first-time buyers in Rhode Island

As of 2026-10-09, LenDb lists 53 loan officers licensed in or based in Rhode Island whose lender pages show First-time buyer work. The top-ranked are Denise Panza (Total Mortgage Services, Naples), Adam Workman (CrossCountry Mortgage, Charlotte) and Matthew Attaya (Guild Mortgage, West Roxbury). Ranking is lender-neutral: specialty evidence first, then a license in RI, 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. 1

    Denise PanzaNMLS 16446

    Total Mortgage Services · Naples, FL · licensed in 20 states

    • First-time buyer
    • Real estate investor
    • RI 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)
  2. 2

    Adam WorkmanNMLS 128183

    CrossCountry Mortgage · Charlotte, NC · licensed in 42 states

    • First-time buyer
    • Real estate investor
    • VA loan
    • FHA loan
    • RI 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 20 years of experience (lender page, 2026-10-09)
  3. 3

    Matthew AttayaNMLS 404081

    Guild Mortgage · West Roxbury, MA · licensed in 5 states

    • First-time buyer
    • RI 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 21 years of experience (lender page, 2026-10-09)
  4. 4

    Chad RankinNMLS 490282

    Guild Mortgage · Worcester, MA · licensed in 38 states

    • First-time buyer
    • RI 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)
  5. 5

    Susan HoweNMLS 848400

    Fairway Independent Mortgage Corporation · Foxboro, MA · licensed in 12 states

    • First-time buyer
    • VA loan
    • RI 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)
  6. 6

    David BottoneNMLS 16414

    Guild Mortgage · Warwick, RI · licensed in 5 states

    • First-time buyer
    • RI 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 Warwick, RI
    • Licensed since 2018 (per Florida records)
  7. 7

    Matt FensterNMLS 21524

    Guild Mortgage · Middletown, RI · licensed in 12 states

    • First-time buyer
    • RI 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 Middletown, RI
    • Licensed since 2026 (per Florida records)
    • States 22 years of experience (lender page, 2026-10-09)
  8. 8

    Nick ClarkeNMLS 998103

    CrossCountry Mortgage · Marshfield, MA · licensed in 11 states

    • First-time buyer
    • RI 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 2019 (per Florida records)
    • States 10 years of experience (lender page, 2026-10-09)
  9. 9

    Sebastian CordobaNMLS 1485371

    CrossCountry Mortgage · Lexington, MA · licensed in 5 states

    • First-time buyer
    • Real estate investor
    • RI 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 9 years of experience (lender page, 2026-10-09)
  10. 10

    George PostNMLS 1693795

    CrossCountry Mortgage · Marshfield, MA · licensed in 5 states

    • First-time buyer
    • Real estate investor
    • FHA loan
    • RI 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 7 years of experience (lender page, 2026-10-09)
  11. 11

    David MagalhaesNMLS 1648957

    Guild Mortgage · North Dartmouth, MA · licensed in 3 states

    • First-time buyer
    • RI 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)
  12. 12

    Michael BushNMLS 67031

    Guild Mortgage · North Attleboro, MA · licensed in 8 states

    • First-time buyer
    • Jumbo loan
    • Down payment assistance
    • RI 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 25 years of experience (lender page, 2026-10-09)
  13. 13

    Jon LibmanNMLS 14174

    Guild Mortgage · North Attleboro, MA · licensed in 4 states

    • First-time buyer
    • DSCR loan
    • FHA loan
    • VA loan
    • RI 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)
  14. 14

    Richard BreedNMLS 704369

    Total Mortgage Services · West Hartford, CT · licensed in 8 states

    • First-time buyer
    • RI 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)
  15. 15

    Nicole KwanNMLS 477256

    CrossCountry Mortgage · Lexington, MA · licensed in 5 states

    • First-time buyer
    • Condo
    • Foreign national
    • New construction
    • RI 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)
  16. 16

    Jim KochakianNMLS 5085

    CrossCountry Mortgage · Andover, MA · licensed in 12 states

    • First-time buyer
    • RI 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 37 years of experience (lender page, 2026-10-09)
  17. 17

    Maryann TaorminaNMLS 28020

    CrossCountry Mortgage · Tampa, FL · licensed in 8 states

    • First-time buyer
    • HELOC
    • RI 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 40 years of experience (lender page, 2026-10-09)
  18. 18

    George KoutsosNMLS 29613

    CrossCountry Mortgage · Beverly, MA · licensed in 15 states

    • First-time buyer
    • Down payment assistance
    • Jumbo loan
    • RI 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 2013 (per Florida records)
    • States 35 years of experience (lender page, 2026-10-09)
  19. 19

    Eric AbenaimNMLS 42771

    CrossCountry Mortgage · Wilmington, MA · licensed in 8 states

    • First-time buyer
    • RI 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)
  20. 20

    Chris DevinNMLS 47305

    CrossCountry Mortgage · Norwell, MA · licensed in 21 states

    • First-time buyer
    • Jumbo loan
    • VA loan
    • RI 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 2018 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  21. 21

    Frank CimpermanNMLS 194237

    CrossCountry Mortgage · Cleveland, OH · licensed in 50 states

    • First-time buyer
    • FHA loan
    • RI 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 2012 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  22. 22

    Joseph RoumelisNMLS 21781

    CrossCountry Mortgage · Greenville, RI · licensed in 8 states

    • First-time buyer
    • FHA loan
    • RI 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, RI
    • Licensed since 2014 (per Florida records)
    • States 13 years of experience (lender page, 2026-10-09)
  23. 23

    Mike ZahorchakNMLS 47492

    CrossCountry Mortgage · Cleveland, OH · licensed in 51 states

    • First-time buyer
    • RI 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)
  24. 24

    Christopher KeelinNMLS 63764

    CrossCountry Mortgage · Denville, NJ · licensed in 42 states

    • First-time buyer
    • HELOC
    • RI 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)
  25. 25

    Maggie MikaitisNMLS 1395394

    CrossCountry Mortgage · Chicago, IL · licensed in 36 states

    • First-time buyer
    • Condo
    • Real estate investor
    • Jumbo loan
    • RI 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 2018 (per Florida records)
    • States 13 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?

More about First-time buyer

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 RI license is confirmed with the state regulator (check mark), RI 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=RI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.