Borrower situations · Virginia
Loan officers for first-time buyers in Virginia
As of 2026-10-09, LenDb lists 460 loan officers licensed in or based in Virginia whose lender pages show First-time buyer work. The top-ranked are Scott Dunning (CrossCountry Mortgage, Midlothian), Ken Byrne (ALCOVA Mortgage, Chantilly) and Chris Genovese (Total Mortgage Services, Harrisonburg). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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
Scott DunningNMLS 101361
CrossCountry Mortgage · Midlothian, VA · licensed in 3 states
- First-time buyer
- New construction
- Real estate investor
- FHA loan
- VA 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 Midlothian, VA
- States 20 years of experience (lender page, 2026-10-09)
- 2
Ken ByrneNMLS 187129
ALCOVA Mortgage · Chantilly, VA · licensed in 7 states
- First-time buyer
- Real estate investor
- Self-employed
- VA loan
- VA 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 Chantilly, VA
- Licensed since 2025 (per Florida records)
- States 34 years of experience (lender page, 2026-10-09)
- 3
Chris GenoveseNMLS 210006
Total Mortgage Services · Harrisonburg, VA · licensed in 3 states
- First-time buyer
- VA 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 Harrisonburg, VA
- States 23 years of experience (lender page, 2026-10-09)
- 4
Kelly FischerNMLS 476360
Guild Mortgage · Fairfax, VA · licensed in 5 states
- First-time buyer
- VA loan
- VA 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 Fairfax, VA
- Licensed since 2015 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 5
Bobby LuuNMLS 185192
American Pacific Mortgage · Reston, VA · licensed in 8 states
- First-time buyer
- FHA loan
- Jumbo loan
- Non-QM loan
- VA 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 Reston, VA
- Licensed since 2022 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 6
Jocelyn LasherNMLS 390711
Atlantic Coast Mortgage · Fairfax, VA · licensed in 4 states
- First-time buyer
- VA loan
- VA 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 Fairfax, VA
- States 25 years of experience (lender page, 2026-10-09)
- 7
Mea DanigelisNMLS 770981
Atlantic Coast Mortgage · Fairfax, VA · licensed in 9 states
- First-time buyer
- VA loan
- VA 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 Fairfax, VA
- Licensed since 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 8
Sarah BlumlingNMLS 775740
Southern Trust Mortgage · Virginia Beach, VA · licensed in 3 states
- First-time buyer
- Down payment assistance
- Real estate investor
- VA 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 Virginia Beach, VA
- Licensed since 2024 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 9
Mary WhiteNMLS 239330
TowneBank Mortgage · Bank · Glen Allen, VA
- First-time buyer
- Low credit score
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Glen Allen, VA
- States 40 years of experience (lender page, 2026-10-09)
- 10
Carla BryceNMLS 346828
TowneBank Mortgage · Bank · Norfolk, VA
- First-time buyer
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Norfolk, VA
- States 20 years of experience (lender page, 2026-10-09)
- 11
Jeremy WetzelNMLS 3364
CrossCountry Mortgage · Louisville, KY · licensed in 10 states
- First-time buyer
- FHA loan
- VA 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 23 years of experience (lender page, 2026-10-09)
- 12
Denise PanzaNMLS 16446
Total Mortgage Services · Naples, FL · licensed in 20 states
- First-time buyer
- Real estate investor
- VA 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)
- 13
John SchmidlinNMLS 69847
Guild Mortgage · High Point, NC · licensed in 3 states
- First-time buyer
- Real estate investor
- Construction loan
- Down payment assistance
- VA 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 29 years of experience (lender page, 2026-10-09)
- 14
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- VA 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)
- 15
Addie AndersenNMLS 195643
Atlantic Coast Mortgage · Fairfax, VA · licensed in 3 states
- First-time buyer
- VA 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 Fairfax, VA
- States 27 years of experience (lender page, 2026-10-09)
- 16
Jeff JacksonNMLS 205807
Southern Trust Mortgage · Timonium, MD · licensed in 4 states
- First-time buyer
- VA 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 30 years of experience (lender page, 2026-10-09)
- 17
Eric StengerNMLS 229964
Guild Mortgage · Martinsburg, WV · licensed in 6 states
- First-time buyer
- VA loan
- VA 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 30 years of experience (lender page, 2026-10-09)
- 18
Michelle GreenwaltNMLS 267729
First Home Mortgage · Millersville, MD · licensed in 9 states
- First-time buyer
- Down payment assistance
- VA 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 20 years of experience (lender page, 2026-10-09)
- 19
Julie JohnsonNMLS 302214
CrossCountry Mortgage · Seattle, WA · licensed in 28 states
- First-time buyer
- VA 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 25 years of experience (lender page, 2026-10-09)
- 20
Trey JonesNMLS 338172
First Home Mortgage · Bethesda, MD · licensed in 3 states
- First-time buyer
- Real estate investor
- Self-employed
- VA loan
- VA 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)
- 21
Chad RankinNMLS 490282
Guild Mortgage · Worcester, MA · licensed in 38 states
- First-time buyer
- VA 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)
- 22
Jason InglishNMLS 934863
ALCOVA Mortgage · Cumberland, MD · licensed in 7 states
- First-time buyer
- FHA loan
- Real estate investor
- USDA loan
- VA 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 20 years of experience (lender page, 2026-10-09)
- 23
Greg JacksonNMLS 1105139
CrossCountry Mortgage · Alpharetta, GA · licensed in 10 states
- First-time buyer
- VA loan
- FHA loan
- VA 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 24 years of experience (lender page, 2026-10-09)
- 24
AJ DiCarloNMLS 2488670
CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 11 states
- First-time buyer
- Construction loan
- Real estate investor
- VA loan
- VA 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 21 years of experience (lender page, 2026-10-09)
- 25
Aaron SandersNMLS 2555076
CrossCountry Mortgage · Delray Beach, FL · licensed in 19 states
- First-time buyer
- Real estate investor
- VA loan
- Construction loan
- VA 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 2024 (per Florida records)
- States 20 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?
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 VA license is confirmed with the state regulator (check mark), VA 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=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.