Borrower situations · Maryland

Loan officers for real estate investors in Maryland

As of 2026-10-09, LenDb lists 87 loan officers licensed in or based in Maryland whose lender pages show Real estate investor work. The top-ranked are Trey Jones (First Home Mortgage, Bethesda), Jason Inglish (ALCOVA Mortgage, Cumberland) and Kraig Spence (Churchill Mortgage, Columbia). Ranking is lender-neutral: specialty evidence first, then a license in MD, 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

    Trey JonesNMLS 338172

    First Home Mortgage · Bethesda, MD · licensed in 3 states

    • Real estate investor
    • First-time buyer
    • Self-employed
    • VA loan
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Office in Bethesda, MD
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Jason InglishNMLS 934863

    ALCOVA Mortgage · Cumberland, MD · licensed in 7 states

    • Real estate investor
    • FHA loan
    • First-time buyer
    • USDA loan
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Office in Cumberland, MD
    • Licensed since 2022 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  3. 3

    Kraig SpenceNMLS 5675

    Churchill Mortgage · Columbia, MD · licensed in 16 states

    • Real estate investor
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Office in Columbia, MD
    • Licensed since 2007 (per Colorado records)
  4. 4

    Mark NiosiNMLS 216306

    CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states

    • Real estate investor
    • Down payment assistance
    • Low credit score
    • First-time buyer
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Office in Dunkirk, MD
    • Licensed since 2020 (per Florida records)
    • States 24 years of experience (lender page, 2026-10-09)
  5. 5

    Adam WorkmanNMLS 128183

    CrossCountry Mortgage · Charlotte, NC · licensed in 42 states

    • Real estate investor
    • First-time buyer
    • VA loan
    • FHA loan
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor 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)
  6. 6

    John LaMorteNMLS 183959

    CrossCountry Mortgage · Fairfax, VA · licensed in 7 states

    • Real estate investor
    • Self-employed
    • FHA loan
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
    • States 34 years of experience (lender page, 2026-10-09)
  7. 7

    Ken ByrneNMLS 187129

    ALCOVA Mortgage · Chantilly, VA · licensed in 7 states

    • Real estate investor
    • First-time buyer
    • Self-employed
    • VA loan
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor 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)
  8. 8

    Joe MagallanesNMLS 491678

    CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states

    • Real estate investor
    • Jumbo loan
    • Non-QM loan
    • Self-employed
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  9. 9

    Aaron SandersNMLS 2555076

    CrossCountry Mortgage · Delray Beach, FL · licensed in 19 states

    • Real estate investor
    • First-time buyer
    • VA loan
    • Construction loan
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor 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)
  10. 10

    Bobby LuuNMLS 185192

    American Pacific Mortgage · Reston, VA · licensed in 8 states

    • Real estate investor
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  11. 11

    Sean PierpontNMLS 141727

    First Home Mortgage · Dunkirk, MD · licensed in 8 states

    • Real estate investor
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Office in Dunkirk, MD
    • Licensed since 2019 (per Florida records)
    • States 26 years of experience (lender page, 2026-10-09)
  12. 12

    Joan KofskyNMLS 133361

    CrossCountry Mortgage · Wayne, PA · licensed in 7 states

    • Real estate investor
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  13. 13

    Dan LarkinNMLS 258898

    LeaderOne Financial · Oak Brook, IL · licensed in 18 states

    • Real estate investor
    • First-time buyer
    • Construction loan
    • Down payment assistance
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  14. 14

    Jeffrey ZulaufNMLS 18566

    CrossCountry Mortgage · Suwanee, GA · licensed in 22 states

    • Real estate investor
    • Condo
    • First-time buyer
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
    • States 15 years of experience (lender page, 2026-10-09)
  15. 15

    Michael RepshasNMLS 1025235

    Guild Mortgage · McLean, VA · licensed in 6 states

    • Real estate investor
    • Jumbo loan
    • VA loan
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
    • States 14 years of experience (lender page, 2026-10-09)
  16. 16

    Maggie MikaitisNMLS 1395394

    CrossCountry Mortgage · Chicago, IL · licensed in 36 states

    • Real estate investor
    • Condo
    • Jumbo loan
    • Non-QM loan
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
    • States 13 years of experience (lender page, 2026-10-09)
  17. 17

    Bryan SumardiNMLS 1984869

    CrossCountry Mortgage · North Bethesda, MD · licensed in 5 states

    • Real estate investor
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • First-time buyer
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Office in North Bethesda, MD
    • Licensed since 2020 (per Florida records)
  18. 18

    Greg FearnleyNMLS 2643728

    CrossCountry Mortgage · Tampa, FL · licensed in 26 states

    • Real estate investor
    • VA loan
    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
    • States 11 years of experience (lender page, 2026-10-09)
  19. 19

    Susan van de PollNMLS 831038

    Xpert Home Lending · Mortgage broker · licensed in 4 states

    • Real estate investor
    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed since 2006 (per Colorado records)
  20. 20

    Yanni StefanidisNMLS 1725443

    Churchill Mortgage · Irvine, CA · licensed in 16 states

    • Real estate investor
    • FHA loan
    • First-time buyer
    • VA loan
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed since 2026 (per Florida records)
    • States 10 years of experience (lender page, 2026-10-09)
  21. 21

    Denise PanzaNMLS 16446

    Total Mortgage Services · Naples, FL · licensed in 20 states

    • Real estate investor
    • First-time buyer
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor 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)
  22. 22

    Nate VogelNMLS 1235062

    CrossCountry Mortgage · Cedarhurst, NY · licensed in 11 states

    • Real estate investor
    • Non-QM loan
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
  23. 23

    Corinne SpartanaNMLS 1965019

    Embrace Home Loans · Timonium, MD · licensed in 9 states

    • Real estate investor
    • First-time buyer
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Office in Timonium, MD
    • Licensed since 2020 (per Florida records)
    • States 6 years of experience (lender page, 2026-10-09)
  24. 24

    Arlene DeanNMLS 209987

    First Home Mortgage · Hollywood, MD · licensed in 3 states

    • Real estate investor
    • First-time buyer
    • VA loan
    • Construction loan
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Office in Hollywood, MD
  25. 25

    Kaitlyn LinaneNMLS 1550584

    Guild Mortgage · Chantilly, VA · licensed in 6 states

    • Real estate investor
    • Jumbo loan
    • VA loan
    • MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Florida records)

Before you choose

Agency limits on financed properties, reserves and rental income treatment push experienced investors toward specialized lenders.

  • How many financed properties can I have with your programs?
  • Can I close in an LLC?
  • Do you offer DSCR or portfolio loans if I hit agency limits?

More about Real estate investor

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