Borrower situations · Pennsylvania

Loan officers for real estate investors in Pennsylvania

As of 2026-10-10, LenDb lists 37 loan officers licensed in or based in Pennsylvania whose lender pages show Real estate investor work. The top-ranked are Joan Kofsky (CrossCountry Mortgage, Wayne), Adam Workman (CrossCountry Mortgage, Charlotte) and Eric Rosemary (CrossCountry Mortgage, Boca Raton). Ranking is lender-neutral: specialty evidence first, then a license in PA, 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

    Joan KofskyNMLS 133361

    CrossCountry Mortgage · Wayne, PA · licensed in 7 states

    • Real estate investor
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 22713), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Office in Wayne, PA
    • Earliest state license record: October 19, 2017 (Florida), per state regulator
    • States 25 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
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 42807), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: November 9, 2020 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  3. 3

    Eric RosemaryNMLS 301253

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

    • Real estate investor
    • Asset-based qualifying
    • Bank statement loan
    • DSCR loan
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 122164), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: January 6, 2012 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  4. 4

    Jason InglishNMLS 934863

    ALCOVA Mortgage · Cumberland, MD · licensed in 7 states

    • Real estate investor
    • FHA loan
    • First-time buyer
    • USDA loan
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 69795), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: July 26, 2022 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  5. 5

    Kraig SpenceNMLS 5675

    Churchill Mortgage · Columbia, MD · licensed in 16 states

    • Real estate investor
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 110611), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: December 15, 2007 (Colorado), per state regulator
  6. 6

    Jacqueline KovenNMLS 252596

    CrossCountry Mortgage · Summit, NJ · licensed in 4 states

    • Real estate investor
    • FHA loan
    • First-time buyer
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 32010), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: March 7, 2023 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  7. 7

    Keith SmithNMLS 903855

    Xpert Home Lending · Mortgage broker · licensed in 2 states

    • Real estate investor
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 122778), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: February 5, 2009 (Colorado), per state regulator
    • States 25 years of experience (lender page, 2026-10-09)
  8. 8

    Larry VindmanNMLS 103147

    CrossCountry Mortgage · Union, NJ · licensed in 7 states

    • Real estate investor
    • Self-employed
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 58671), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: September 16, 2020 (Florida), per state regulator
    • States 17 years of experience (lender page, 2026-10-09)
  9. 9

    William Lee UnderwoodNMLS 1423725

    Loan Factory · Mortgage broker · licensed in 4 states

    • Real estate investor
    • Non-QM loan
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 54351), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • States 40 years of experience (lender page, 2026-10-09)
  10. 10

    Eric GasperNMLS 175852

    CrossCountry Mortgage · Mineola, NY · licensed in 18 states

    • Real estate investor
    • Non-QM loan
    • Self-employed
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 73741), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: November 22, 2010 (Colorado), per state regulator
  11. 11

    Joe McBreenNMLS 686541

    CrossCountry Mortgage · Michigan City, IN · licensed in 22 states

    • Real estate investor
    • First-time buyer
    • FHA loan
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 68951), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: October 16, 2018 (Florida), per state regulator
    • States 16 years of experience (lender page, 2026-10-09)
  12. 12

    Jeffrey ZulaufNMLS 18566

    CrossCountry Mortgage · Suwanee, GA · licensed in 22 states

    • Real estate investor
    • Condo
    • First-time buyer
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 81296), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: June 28, 2019 (Florida), per state regulator
    • States 15 years of experience (lender page, 2026-10-09)
  13. 13

    George TsemberlisNMLS 1760286

    CrossCountry Mortgage · White Plains, NY · licensed in 6 states

    • Real estate investor
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 91885), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: December 3, 2020 (Florida), per state regulator
    • States 15 years of experience (lender page, 2026-10-09)
  14. 14

    James WardNMLS 168854

    Fairway Independent Mortgage Corporation · Houston, TX · licensed in 2 states

    • Real estate investor
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • PA 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 25 years of experience (lender page, 2026-10-09)
  15. 15

    Joe MagallanesNMLS 491678

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

    • Real estate investor
    • Jumbo loan
    • Non-QM loan
    • Self-employed
    • PA 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)
    • Earliest state license record: September 5, 2023 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  16. 16

    Michael RepshasNMLS 1025235

    Guild Mortgage · McLean, VA · licensed in 6 states

    • Real estate investor
    • Jumbo loan
    • VA loan
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 72304), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: August 9, 2019 (Florida), per state regulator
    • States 14 years of experience (lender page, 2026-10-09)
  17. 17

    Bobby LuuNMLS 185192

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

    • Real estate investor
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • PA 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)
    • Earliest state license record: November 30, 2022 (Florida), per state regulator
    • States 25 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
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 68824), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: November 1, 2018 (Florida), per state regulator
    • States 13 years of experience (lender page, 2026-10-09)
  19. 19

    Greg FearnleyNMLS 2643728

    CrossCountry Mortgage · Tampa, FL · licensed in 26 states

    • Real estate investor
    • VA loan
    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 116820), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: January 8, 2025 (Florida), per state regulator
    • States 11 years of experience (lender page, 2026-10-09)
  20. 20

    Irini LuluNMLS 482084

    CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 8 states

    • Real estate investor
    • Construction loan
    • Non-QM loan
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 52318), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Office in Plymouth Meeting, PA
    • Earliest state license record: January 28, 2019 (Florida), per state regulator
    • States 25 years of experience (lender page, 2026-10-09)
  21. 21

    Trevor TashlikNMLS 404222

    CrossCountry Mortgage · Wayne, PA · licensed in 9 states

    • Real estate investor
    • VA loan
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 45821), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Office in Wayne, PA
    • Earliest state license record: November 15, 2021 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  22. 22

    Shane WeicbergerNMLS 1565185

    CrossCountry Mortgage · Blue Bell, PA · licensed in 3 states

    • Real estate investor
    • First-time buyer
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 105776), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Office in Blue Bell, PA
    • Earliest state license record: July 2, 2024 (Florida), per state regulator
    • States 7 years of experience (lender page, 2026-10-09)
  23. 23

    Denise PanzaNMLS 16446

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

    • Real estate investor
    • First-time buyer
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 71593), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: February 10, 2011 (Florida), per state regulator
    • States 30 years of experience (lender page, 2026-10-09)
  24. 24

    Nate VogelNMLS 1235062

    CrossCountry Mortgage · Cedarhurst, NY · licensed in 11 states

    • Real estate investor
    • Non-QM loan
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 82989), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Earliest state license record: July 5, 2018 (Florida), per state regulator
  25. 25

    Ronald AtamianNMLS 963318

    CrossCountry Mortgage · Allentown, PA · licensed in 6 states

    • Real estate investor
    • 1099 income
    • Asset-based qualifying
    • Bank statement loan
    • ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 61017), verified 2026-10-10
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Office in Allentown, PA
    • Earliest state license record: January 27, 2021 (Florida), per state regulator
    • States 15 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 PA license is confirmed with the state regulator (check mark), PA 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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=PA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.