--- canonical_url: https://lendb.ai/s/first-time-buyer/tennessee last_verified: 2026-10-09 --- # Loan officers for first-time buyers in Tennessee As of 2026-10-09, LenDb lists 381 loan officers licensed in or based in Tennessee whose lender pages show First-time buyer work. The top-ranked are Corey Austin (Union Home Mortgage, Cookeville), James Perfilio (Churchill Mortgage, Brentwood) and Jeremy Wetzel (CrossCountry Mortgage, Louisville). Ranking is lender-neutral: specialty evidence first, then a license in TN, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Corey Austin](https://lendb.ai/lo/corey-austin-650342)** (NMLS 650342), Union Home Mortgage, Cookeville, TN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Cookeville, TN - TN 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) 2. **[James Perfilio](https://lendb.ai/lo/jamie-perfilio-945664)** (NMLS 945664), Churchill Mortgage, Brentwood, TN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Brentwood, TN - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 3. **[Jeremy Wetzel](https://lendb.ai/lo/jeremy-wetzel-3364)** (NMLS 3364), CrossCountry Mortgage, Louisville, KY - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 4. **[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) - TN 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) 5. **[John Schmidlin](https://lendb.ai/lo/john-schmidlin-69847)** (NMLS 69847), Guild Mortgage, High Point, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 29 years of experience (lender page, 2026-10-09) 6. **[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) - TN 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) 7. **[Shelley Dunn](https://lendb.ai/lo/shelley-dunn-185241)** (NMLS 185241), Guild Mortgage, Southaven, MS - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 8. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 9. **[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) - TN 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) 10. **[Nancy Siples](https://lendb.ai/lo/nancy-herrera-256016)** (NMLS 256016), Guild Mortgage, Riverside, CA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN 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) 11. **[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) - TN 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) 12. **[Julie Johnson](https://lendb.ai/lo/julie-johnson-302214)** (NMLS 302214), CrossCountry Mortgage, Seattle, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 13. **[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) - TN 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) 14. **[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) - TN 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) 15. **[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) - TN 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) 16. **[Troy Rabidoux](https://lendb.ai/lo/troy-rabidoux-771053)** (NMLS 771053), Union Home Mortgage, Rochester, MI - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 17. **[AJ DiCarlo](https://lendb.ai/lo/andrew-dicarlo-2488670)** (NMLS 2488670), CrossCountry Mortgage, Fort Walton Beach, FL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 18. **[Laura Mullen](https://lendb.ai/lo/laura-mullen-500688)** (NMLS 500688), Ruoff Mortgage - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN 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) 19. **[Aerick Squier](https://lendb.ai/lo/aerick-squier-212834)** (NMLS 212834), American Pacific Mortgage, Glendale, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN 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) 20. **[Mea Danigelis](https://lendb.ai/lo/maria-danigelis-770981)** (NMLS 770981), Atlantic Coast Mortgage, Fairfax, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN 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) 21. **[Nathan Soliday](https://lendb.ai/lo/michael-soliday-166402)** (NMLS 166402), Success Mortgage Partners, Sellersburg, IN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 22. **[Craig Cusick](https://lendb.ai/lo/craig-cusick-210381)** (NMLS 210381), Fairway Independent Mortgage Corporation, Phoenix, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 23. **[Sheri Watkins](https://lendb.ai/lo/sheri-watkins-279665)** (NMLS 279665), Ruoff Mortgage - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 24. **[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) - TN 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) 25. **[Joe McBreen](https://lendb.ai/lo/joseph-mcbreen-686541)** (NMLS 686541), CrossCountry Mortgage, Michigan City, IN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 16 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/tennessee. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._