Borrower situations · Washington
Loan officers for first-time buyers in Washington
As of 2026-10-09, LenDb lists 431 loan officers licensed in or based in Washington whose lender pages show First-time buyer work. The top-ranked are Chris Berg (Cardinal Financial Company, Vancouver), Brian Brock (Guild Mortgage, Lacey) and Don R. Oneida (Loan Factory, Ferndale). Ranking is lender-neutral: specialty evidence first, then a license in WA, 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
Chris BergNMLS 198082
Cardinal Financial Company · Vancouver, WA · licensed in 2 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 20 years experience (stated on lender page, 2026-10-09)
- 2
Brian BrockNMLS 419013
Guild Mortgage · Lacey, WA · licensed in 2 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 30 years experience (stated on lender page, 2026-10-09)
- 3
Don R. OneidaNMLS 55604
Loan Factory · Mortgage broker · Ferndale, WA
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 24 years experience (stated on lender page, 2026-10-09)
- 4
Lynn PosseltNMLS 41393
Intercap Lending · Vancouver, WA · licensed in 2 states
- First-time buyer
- VA loan
- FHA loan
- Jumbo loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 40 years experience (stated on lender page, 2026-10-09)
- 5
Shelley CovingtonNMLS 102076
Intercap Lending · Kirkland, WA · licensed in 3 states
- First-time buyer
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 25 years experience (stated on lender page, 2026-10-09)
- 6
John KingNMLS 1060162
Guild Mortgage · Maple Valley, WA
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 14 years experience (stated on lender page, 2026-10-09)
- 7
Rob BriggsNMLS 1627558
CrossCountry Mortgage · Snohomish, WA · licensed in 3 states
- First-time buyer
- Down payment assistance
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 9 years experience (stated on lender page, 2026-10-09)
- 8
Phil LymanNMLS 218232
Guild Mortgage · Portland, OR · licensed in 5 states
- First-time buyer
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 23 years experience (stated on lender page, 2026-10-09)
- 9
Charity CummingsNMLS 404245
Guild Mortgage · Bentonville, AR · licensed in 4 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 30 years experience (stated on lender page, 2026-10-09)
- 10
Kelsey EllisNMLS 1868743
Guild Mortgage · Tumwater, WA · licensed in 2 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 7 years experience (stated on lender page, 2026-10-09)
- 11
Paula NirschlNMLS 383396
Guild Mortgage · Vancouver, WA · licensed in 6 states
- First-time buyer
- Real estate investor
- FHA loan
- Non-QM loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 5 years licensed
- 12
Eric Whitney HexumNMLS 1569697
Guild Mortgage · Kennewick, WA · licensed in 3 states
- First-time buyer
- Down payment assistance
- DSCR loan
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 5 years licensed
- 13
Ben GonzalezNMLS 717922
CrossCountry Mortgage · Salem, OR · licensed in 2 states
- First-time buyer
- Construction loan
- Real estate investor
- FHA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 18 years experience (stated on lender page, 2026-10-09)
- 14
Josiah Paul ShelmanNMLS 1824996
Guild Mortgage · Tumwater, WA · licensed in 4 states
- First-time buyer
- Down payment assistance
- FHA loan
- Self-employed
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 6 years experience (stated on lender page, 2026-10-09)
- 15
Pat FoxNMLS 199779
Union Home Mortgage · Tigard, OR · licensed in 6 states
- First-time buyer
- Real estate investor
- Vacation home
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- 16
Raena PinchukNMLS 1488388
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 4 states
- First-time buyer
- New construction
- Self-employed
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- 17
Mindy HayNMLS 292224
Union Home Mortgage · Tigard, OR · licensed in 3 states
- First-time buyer
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 16 years experience (stated on lender page, 2026-10-09)
- 18
Dale UesonodaNMLS 113151
American Pacific Mortgage · Everett, WA · licensed in 2 states
- First-time buyer
- Real estate investor
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 28 years experience (stated on lender page, 2026-10-09)
- 19
Julie JohnsonNMLS 302214
CrossCountry Mortgage · Seattle, WA · licensed in 28 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 1 years licensed
- 20
Ivan Rizo ViverosNMLS 2491649
Guild Mortgage · Bellevue, WA · licensed in 2 states
- First-time buyer
- FHA loan
- Down payment assistance
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 21
Carlos MerancioNMLS 2802361
Guild Mortgage · Spokane, WA · licensed in 2 states
- First-time buyer
- FHA loan
- VA loan
- Down payment assistance
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 22
Jen AndersonNMLS 380437
CrossCountry Mortgage · Seattle, WA
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 23
Lyndzie ThompsonNMLS 704159
CrossCountry Mortgage · Seattle, WA · licensed in 3 states
- First-time buyer
- FHA loan
- USDA loan
- VA loan
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 24
Melissa BergrenNMLS 931932
Guild Mortgage · Ellensburg, WA · licensed in 3 states
- First-time buyer
- Construction loan
- Real estate investor
- Vacation home
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 25
Kristina BurtonNMLS 1698009
Guild Mortgage · Bellevue, WA · licensed in 3 states
- First-time buyer
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
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 must be licensed in WA or have a branch there. Then branch location, years licensed 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=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.