--- canonical_url: https://lendb.ai/s/first-time-buyer/south-carolina last_verified: 2026-10-09 --- # Loan officers for first-time buyers in South Carolina As of 2026-10-09, LenDb lists 326 loan officers licensed in or based in South Carolina whose lender pages show First-time buyer work. The top-ranked are Denise Panza (Total Mortgage Services, Naples), Scott Dunning (CrossCountry Mortgage, Midlothian) and Adam Workman (CrossCountry Mortgage, Charlotte). Ranking is lender-neutral: specialty evidence first, then a license in SC, 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) - SC 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. **[Scott Dunning](https://lendb.ai/lo/scott-dunning-101361)** (NMLS 101361), CrossCountry Mortgage, Midlothian, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC 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) 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) - SC 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) 4. **[Ken Byrne](https://lendb.ai/lo/kenneth-byrne-187129)** (NMLS 187129), ALCOVA Mortgage, Chantilly, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 34 years of experience (lender page, 2026-10-09) 5. **[Amber Page](https://lendb.ai/lo/amber-page-229184)** (NMLS 229184), Evergreen Home Loans, Silverdale, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 6. **[Kim Lorenzana](https://lendb.ai/lo/kimberly-lorenzana-308713)** (NMLS 308713), Guild Mortgage, Raleigh, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 7. **[Jay Garvens](https://lendb.ai/lo/jay-garvens-368259)** (NMLS 368259), Churchill Mortgage, Colorado Springs, CO - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 8. **[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) - SC 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) 9. **[Donna King](https://lendb.ai/lo/donna-king-637803)** (NMLS 637803), Union Home Mortgage, Asheville, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 10. **[Denise Lott](https://lendb.ai/lo/denise-lott-704436)** (NMLS 704436), Union Home Mortgage, Savannah, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC 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) 11. **[Melissa Kerbow](https://lendb.ai/lo/melissa-kerbow-715476)** (NMLS 715476), Fairway Independent Mortgage Corporation, Madison, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 12. **[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) - SC 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) 13. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 14. **[Greg Jackson](https://lendb.ai/lo/gregory-jackson-1105139)** (NMLS 1105139), CrossCountry Mortgage, Alpharetta, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 15. **[Joe Donovan](https://lendb.ai/lo/joe-donovan-1450210)** (NMLS 1450210), CrossCountry Mortgage, Suwanee, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 16. **[Aaron Sanders](https://lendb.ai/lo/aaron-sanders-2555076)** (NMLS 2555076), CrossCountry Mortgage, Delray Beach, FL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 17. **[Cori Drudge](https://lendb.ai/lo/cori-drudge-229643)** (NMLS 229643), Ruoff Mortgage, Fishers, IN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 27 years of experience (lender page, 2026-10-09) 18. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 19. **[Steve Fahrenthold](https://lendb.ai/lo/steve-fahrenthold-585421)** (NMLS 585421), Homeowners Financial Group, Atlanta, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC 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) 20. **[Krissy Lawson](https://lendb.ai/lo/kristina-lawson-1256491)** (NMLS 1256491), First Home Mortgage, Mt. Pleasant, SC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Mt. Pleasant, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 11 years of experience (lender page, 2026-10-09) 21. **[Jeff Halbert](https://lendb.ai/lo/jeffrey-halbert-71222)** (NMLS 71222), First Home Mortgage, Dunkirk, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 22. **[Mark Niosi](https://lendb.ai/lo/mark-niosi-216306)** (NMLS 216306), CrossCountry Mortgage, Dunkirk, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 23. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 24. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 25. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 15 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/south-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._