Borrower situations · West Virginia

Loan officers for first-time buyers in West Virginia

As of 2026-10-09, LenDb lists 77 loan officers licensed in or based in West Virginia whose lender pages show First-time buyer work. The top-ranked are Eric Stenger (Guild Mortgage, Martinsburg), Ken Byrne (ALCOVA Mortgage, Chantilly) and Jeff Jackson (Southern Trust Mortgage, Timonium). Ranking is lender-neutral: specialty evidence first, then a license in WV, 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. 1

    Eric StengerNMLS 229964

    Guild Mortgage · Martinsburg, WV · licensed in 6 states

    • First-time buyer
    • VA loan
    • WV 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 Martinsburg, WV
    • Licensed since 2020 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-09)
  2. 2

    Ken ByrneNMLS 187129

    ALCOVA Mortgage · Chantilly, VA · licensed in 7 states

    • First-time buyer
    • Real estate investor
    • Self-employed
    • VA loan
    • WV 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 34 years of experience (lender page, 2026-10-09)
  3. 3

    Jeff JacksonNMLS 205807

    Southern Trust Mortgage · Timonium, MD · licensed in 4 states

    • First-time buyer
    • WV 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)
  4. 4

    Jason InglishNMLS 934863

    ALCOVA Mortgage · Cumberland, MD · licensed in 7 states

    • First-time buyer
    • FHA loan
    • Real estate investor
    • USDA loan
    • WV 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)
  5. 5

    Jocelyn LasherNMLS 390711

    Atlantic Coast Mortgage · Fairfax, VA · licensed in 4 states

    • First-time buyer
    • VA loan
    • WV 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 25 years of experience (lender page, 2026-10-09)
  6. 6

    Mea DanigelisNMLS 770981

    Atlantic Coast Mortgage · Fairfax, VA · licensed in 9 states

    • First-time buyer
    • VA loan
    • WV 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)
  7. 7

    Mark NiosiNMLS 216306

    CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states

    • First-time buyer
    • Down payment assistance
    • Low credit score
    • Real estate investor
    • WV 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)
  8. 8

    Nathan FitzgeraldNMLS 369554

    CrossCountry Mortgage · Orlando, FL · licensed in 15 states

    • First-time buyer
    • VA loan
    • Renovation loan (203k / HomeStyle)
    • HELOC
    • WV 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 15 years of experience (lender page, 2026-10-09)
  9. 9

    Danny HembachNMLS 1533678

    Guild Mortgage · Arlington, VA · licensed in 5 states

    • First-time buyer
    • Down payment assistance
    • WV 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 10 years of experience (lender page, 2026-10-09)
  10. 10

    Matt LiebermanNMLS 200283

    First Home Mortgage · Bethesda, MD · licensed in 10 states

    • First-time buyer
    • WV 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 2019 (per Florida records)
  11. 11

    Angie TurleyNMLS 363066

    Fairway Independent Mortgage Corporation · Mooresville, IN · licensed in 26 states

    • First-time buyer
    • Self-employed
    • VA loan
    • WV 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 2019 (per Florida records)
  12. 12

    Devin IannoneNMLS 1824195

    Embrace Home Loans · Rockville, MD · licensed in 12 states

    • First-time buyer
    • WV 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)
  13. 13

    Jackie BarrettNMLS 2397839

    CrossCountry Mortgage · Martinsburg, WV · licensed in 3 states

    • First-time buyer
    • Down payment assistance
    • WV 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 Martinsburg, WV
  14. 14

    Tim HandNMLS 2399625

    First Home Mortgage · Dunkirk, MD · licensed in 6 states

    • First-time buyer
    • WV 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 5 years of experience (lender page, 2026-10-09)
  15. 15

    Brian ScottNMLS 1323665

    Guild Mortgage · Winchester, VA · licensed in 2 states

    • First-time buyer
    • WV 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)
  16. 16

    Bob FisherNMLS 1028088

    Atlantic Coast Mortgage · Fairfax, VA · licensed in 9 states

    • First-time buyer
    • VA loan
    • WV 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)
  17. 17

    Logan WojcikNMLS 2112253

    Ruoff Mortgage · licensed in 3 states

    • First-time buyer
    • VA loan
    • Self-employed
    • WV 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 5 years of experience (lender page, 2026-10-09)
  18. 18

    Lisa M. ZellerNMLS 415625

    Truist Bank · Bank · Morgantown, WV

    • First-time buyer
    • Physician and medical professional
    • 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 Morgantown, WV
  19. 19

    Katie MoodyNMLS 1658706

    CrossCountry Mortgage · Winchester, VA · licensed in 5 states

    • First-time buyer
    • Down payment assistance
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • WV 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)
  20. 20

    Craig Miller JrNMLS 686948

    Guild Mortgage · Alexandria, VA · licensed in 8 states

    • First-time buyer
    • Jumbo loan
    • Self-employed
    • VA loan
    • WV 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 2026 (per Florida records)
  21. 21

    Mariel RobbinsNMLS 1139928

    Atlantic Coast Mortgage · Fairfax, VA · licensed in 4 states

    • First-time buyer
    • VA loan
    • WV 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)
  22. 22

    Steven TrevorNMLS 2441686

    CrossCountry Mortgage · Winchester, VA · licensed in 2 states

    • First-time buyer
    • WV 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)
  23. 23

    Don RyanNMLS 455889

    Southern Trust Mortgage · Frostburg, MD · licensed in 6 states

    • First-time buyer
    • WV 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 2026 (per Florida records)
  24. 24

    Stephanie SequeiraNMLS 2107275

    Atlantic Coast Mortgage · Fairfax, VA · licensed in 7 states

    • First-time buyer
    • WV 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)
  25. 25

    Van PapadopoulosNMLS 181912

    NFM Lending · Bethesda, MD · licensed in 8 states

    • First-time buyer
    • WV 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)

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?

More about First-time buyer

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 WV license is confirmed with the state regulator (check mark), WV 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=WV. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.