--- canonical_url: https://lendb.ai/s/first-time-buyer/virginia last_verified: 2026-10-09 --- # Loan officers for first-time buyers in Virginia As of 2026-10-09, LenDb lists 461 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. ## Ranked, with reasons 1. **[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) - Office in Midlothian, VA - VA 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. **[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) - Office in Chantilly, VA - VA 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) 3. **[Chris Genovese](https://lendb.ai/lo/chris-genovese-210006)** (NMLS 210006), Total Mortgage Services, Harrisonburg, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Harrisonburg, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-09) 4. **[Kelly Fischer](https://lendb.ai/lo/kelly-fischer-476360)** (NMLS 476360), Guild Mortgage, Fairfax, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Fairfax, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 5. **[Bobby Luu](https://lendb.ai/lo/hong-luu-185192)** (NMLS 185192), American Pacific Mortgage, Reston, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Reston, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 6. **[Jocelyn Lasher](https://lendb.ai/lo/jocelyn-lasher-390711)** (NMLS 390711), Atlantic Coast Mortgage, Fairfax, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Fairfax, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 7. **[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) - Office in Fairfax, VA - VA 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) 8. **[Sarah Blumling](https://lendb.ai/lo/sarah-blumling-775740)** (NMLS 775740), Southern Trust Mortgage, Virginia Beach, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Virginia Beach, VA - VA 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) 9. **[Mary White](https://lendb.ai/lo/mary-white-239330)** (NMLS 239330), TowneBank Mortgage, Glen Allen, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Glen Allen, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 40 years of experience (lender page, 2026-10-09) 10. **[Carla Bryce](https://lendb.ai/lo/carla-bryce-346828)** (NMLS 346828), TowneBank Mortgage, Norfolk, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Norfolk, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 20 years of experience (lender page, 2026-10-09) 11. **[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) - VA 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) 12. **[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) - VA 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) 13. **[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) - VA 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) 14. **[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) - VA 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) 15. **[Addie Andersen](https://lendb.ai/lo/addie-andersen-195643)** (NMLS 195643), Atlantic Coast Mortgage, Fairfax, VA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Fairfax, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 27 years of experience (lender page, 2026-10-09) 16. **[Jeff Jackson](https://lendb.ai/lo/jeff-jackson-205807)** (NMLS 205807), Southern Trust Mortgage, Timonium, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - VA 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) 17. **[Eric Stenger](https://lendb.ai/lo/eric-stenger-229964)** (NMLS 229964), Guild Mortgage, Martinsburg, WV - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 18. **[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) - VA 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) 19. **[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) - VA 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) 20. **[Trey Jones](https://lendb.ai/lo/trey-jones-338172)** (NMLS 338172), First Home Mortgage, Bethesda, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - VA 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) 21. **[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) - VA 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. **[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) - VA 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) 23. **[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) - VA 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) 24. **[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) - VA 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) 25. **[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) - VA 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) ## 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/virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._