Borrower situations · North Carolina

Loan officers for real estate investors in North Carolina

As of 2026-10-09, LenDb lists 134 loan officers licensed in or based in North Carolina whose lender pages show Real estate investor work. The top-ranked are John Schmidlin (Guild Mortgage, High Point), Adam Workman (CrossCountry Mortgage, Charlotte) and Scott Dunning (CrossCountry Mortgage, Midlothian). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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

    John SchmidlinNMLS 69847

    Guild Mortgage · High Point, NC · licensed in 3 states

    • Real estate investor
    • First-time buyer
    • Construction loan
    • Down payment assistance
    • NC 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 High Point, NC
    • States 29 years of experience (lender page, 2026-10-09)
  2. 2

    Adam WorkmanNMLS 128183

    CrossCountry Mortgage · Charlotte, NC · licensed in 42 states

    • Real estate investor
    • First-time buyer
    • VA loan
    • FHA loan
    • NC 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 Charlotte, NC
    • Licensed since 2020 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  3. 3

    Scott DunningNMLS 101361

    CrossCountry Mortgage · Midlothian, VA · licensed in 3 states

    • Real estate investor
    • First-time buyer
    • New construction
    • FHA loan
    • NC 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)
    • States 20 years of experience (lender page, 2026-10-09)
  4. 4

    John LaMorteNMLS 183959

    CrossCountry Mortgage · Fairfax, VA · licensed in 7 states

    • Real estate investor
    • Self-employed
    • FHA loan
    • NC 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)
  5. 5

    Ken ByrneNMLS 187129

    ALCOVA Mortgage · Chantilly, VA · licensed in 7 states

    • Real estate investor
    • First-time buyer
    • Self-employed
    • VA loan
    • NC 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)
  6. 6

    Josh PenlandNMLS 216357

    Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states

    • Real estate investor
    • First-time buyer
    • Jumbo loan
    • Self-employed
    • NC 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 23 years of experience (lender page, 2026-10-09)
  7. 7

    Eric RosemaryNMLS 301253

    CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states

    • Real estate investor
    • Asset-based qualifying
    • Bank statement loan
    • DSCR loan
    • NC 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 2012 (per Florida records)
    • States 20 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
    • NC 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
    • NC 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

    Kraig SpenceNMLS 5675

    Churchill Mortgage · Columbia, MD · licensed in 16 states

    • Real estate investor
    • NC 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 2007 (per Colorado records)
  11. 11

    Brian BrownNMLS 1970490

    CrossCountry Mortgage · Staten Island, NY · licensed in 3 states

    • Real estate investor
    • Jumbo loan
    • VA loan
    • NC 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 20 years of experience (lender page, 2026-10-09)
  12. 12

    Chet MannNMLS 171268

    Guild Mortgage · Sanford, NC · licensed in 3 states

    • Real estate investor
    • NC 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 Sanford, NC
    • States 18 years of experience (lender page, 2026-10-09)
  13. 13

    Mark NiosiNMLS 216306

    CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states

    • Real estate investor
    • Down payment assistance
    • Low credit score
    • First-time buyer
    • NC 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 24 years of experience (lender page, 2026-10-09)
  14. 14

    Dan LarkinNMLS 258898

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

    • Real estate investor
    • First-time buyer
    • Construction loan
    • Down payment assistance
    • NC 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)
  15. 15

    Sarah BlumlingNMLS 775740

    Southern Trust Mortgage · Virginia Beach, VA · licensed in 3 states

    • Real estate investor
    • Down payment assistance
    • First-time buyer
    • NC 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)
  16. 16

    Patricia DeVaneNMLS 1158026

    CrossCountry Mortgage · Raleigh, NC · licensed in 2 states

    • Real estate investor
    • NC 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 Raleigh, NC
    • Licensed since 2024 (per Florida records)
    • States 10 years of experience (lender page, 2026-10-09)
  17. 17

    Jeffrey ZulaufNMLS 18566

    CrossCountry Mortgage · Suwanee, GA · licensed in 22 states

    • Real estate investor
    • Condo
    • First-time buyer
    • NC 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)
  18. 18

    Maggie MikaitisNMLS 1395394

    CrossCountry Mortgage · Chicago, IL · licensed in 36 states

    • Real estate investor
    • Condo
    • Jumbo loan
    • Non-QM loan
    • NC 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)
  19. 19

    Sean PierpontNMLS 141727

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

    • Real estate investor
    • NC 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 26 years of experience (lender page, 2026-10-09)
  20. 20

    Whitney O'MearaNMLS 191101

    First Heritage Mortgage · licensed in 4 states

    • Real estate investor
    • First-time buyer
    • NC 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 18 years of experience (lender page, 2026-10-09)
  21. 21

    Cesar PardoNMLS 942929

    Revolution Mortgage · Puyallup, WA · licensed in 13 states

    • Real estate investor
    • First-time buyer
    • NC 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)
    • States 12 years of experience (lender page, 2026-10-09)
  22. 22

    Mitchell DunnNMLS 1378534

    Loan Factory · Mortgage broker · licensed in 5 states

    • Real estate investor
    • Asset-based qualifying
    • DSCR loan
    • Renovation loan (203k / HomeStyle)
    • NC 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)
    • States 15 years of experience (lender page, 2026-10-09)
  23. 23

    Kim ScottNMLS 2282711

    CrossCountry Mortgage · Wilmington, NC

    • Real estate investor
    • NC 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 Wilmington, NC
    • States 13 years of experience (lender page, 2026-10-09)
  24. 24

    Greg FearnleyNMLS 2643728

    CrossCountry Mortgage · Tampa, FL · licensed in 26 states

    • Real estate investor
    • VA loan
    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • NC 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)
  25. 25

    Patrick StoyNMLS 39527

    CrossCountry Mortgage · Wilmington, NC · licensed in 9 states

    • Real estate investor
    • Non-QM loan
    • Reverse mortgage
    • NC 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 Wilmington, NC
    • Licensed since 2022 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)

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