--- canonical_url: https://lendb.ai/s/first-time-buyer/rhode-island last_verified: 2026-10-10 --- # Loan officers for first-time buyers in Rhode Island As of 2026-10-10, LenDb lists 55 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. ## Ranked, with reasons 1. **[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) - RI 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) 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) - RI 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. **[Matthew Attaya](https://lendb.ai/lo/matthew-attaya-404081)** (NMLS 404081), Guild Mortgage, West Roxbury, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 4. **[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) - RI 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) 5. **[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) - RI 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) 6. **[David Bottone](https://lendb.ai/lo/david-bottone-16414)** (NMLS 16414), Guild Mortgage, Warwick, RI - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Warwick, RI - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 7. **[Angel Cordero](https://lendb.ai/lo/angel-cordero-1220249)** (NMLS 1220249), AnnieMac Home Mortgage, Providence, RI - Lists First-time buyer on lender page (lender page, verified 2026-10-10) - Office in Providence, RI - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 8. **[Matt Fenster](https://lendb.ai/lo/matthew-fenster-21524)** (NMLS 21524), Guild Mortgage, Middletown, RI - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Middletown, RI - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 9. **[Nick Clarke](https://lendb.ai/lo/nicholas-clarke-998103)** (NMLS 998103), CrossCountry Mortgage, Marshfield, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 10. **[Sebastian Cordoba](https://lendb.ai/lo/sebastian-cordoba-1485371)** (NMLS 1485371), CrossCountry Mortgage, Lexington, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 9 years of experience (lender page, 2026-10-09) 11. **[George Post](https://lendb.ai/lo/george-post-1693795)** (NMLS 1693795), CrossCountry Mortgage, Marshfield, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 7 years of experience (lender page, 2026-10-09) 12. **[David Magalhaes](https://lendb.ai/lo/david-magalhaes-1648957)** (NMLS 1648957), Guild Mortgage, North Dartmouth, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 13. **[Michael Bush](https://lendb.ai/lo/michael-bush-67031)** (NMLS 67031), Guild Mortgage, North Attleboro, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 14. **[Jon Libman](https://lendb.ai/lo/jonathan-libman-14174)** (NMLS 14174), Guild Mortgage, North Attleboro, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 15. **[Richard Breed](https://lendb.ai/lo/richard-breed-704369)** (NMLS 704369), Total Mortgage Services, West Hartford, CT - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 16. **[Angela Tourville](https://lendb.ai/lo/angela-tourville-1702059)** (NMLS 1702059), AnnieMac Home Mortgage, Longmeadow, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-10) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 10 years of experience (lender page, 2026-10-10) 17. **[Nicole Kwan](https://lendb.ai/lo/nicole-kwan-477256)** (NMLS 477256), CrossCountry Mortgage, Lexington, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI 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) 18. **[Jim Kochakian](https://lendb.ai/lo/james-kochakian-5085)** (NMLS 5085), CrossCountry Mortgage, Andover, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 37 years of experience (lender page, 2026-10-09) 19. **[Maryann Taormina](https://lendb.ai/lo/maryann-taormina-28020)** (NMLS 28020), CrossCountry Mortgage, Tampa, FL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 40 years of experience (lender page, 2026-10-09) 20. **[George Koutsos](https://lendb.ai/lo/george-koutsos-29613)** (NMLS 29613), CrossCountry Mortgage, Beverly, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) - States 35 years of experience (lender page, 2026-10-09) 21. **[Eric Abenaim](https://lendb.ai/lo/eric-abenaim-42771)** (NMLS 42771), CrossCountry Mortgage, Wilmington, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI 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) 22. **[Chris Devin](https://lendb.ai/lo/christopher-devin-47305)** (NMLS 47305), CrossCountry Mortgage, Norwell, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 23. **[Frank Cimperman](https://lendb.ai/lo/frank-cimperman-194237)** (NMLS 194237), CrossCountry Mortgage, Cleveland, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 24. **[Joseph Roumelis](https://lendb.ai/lo/joseph-roumelis-21781)** (NMLS 21781), CrossCountry Mortgage, Greenville, RI - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Greenville, RI - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 13 years of experience (lender page, 2026-10-09) 25. **[Mike Zahorchak](https://lendb.ai/lo/michael-zahorchak-47492)** (NMLS 47492), CrossCountry Mortgage, Cleveland, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) ## 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/rhode-island. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._