Borrower situations · West Virginia

Loan officers for real estate investors in West Virginia

As of 2026-10-10, LenDb lists 21 loan officers licensed in or based in West Virginia whose lender pages show Real estate investor work. The top-ranked are John LaMorte (CrossCountry Mortgage, Fairfax), Ken Byrne (ALCOVA Mortgage, Chantilly) and Joe Magallanes (CrossCountry Mortgage, Newport Beach). 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 21

  1. 1

    John LaMorteNMLS 183959

    CrossCountry Mortgage · Fairfax, VA · licensed in 7 states

    • Real estate investor
    • Self-employed
    • FHA loan
    • WV 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)
  2. 2

    Ken ByrneNMLS 187129

    ALCOVA Mortgage · Chantilly, VA · licensed in 7 states

    • Real estate investor
    • First-time buyer
    • Self-employed
    • VA loan
    • WV 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)
  3. 3

    Joe MagallanesNMLS 491678

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

    • Real estate investor
    • Jumbo loan
    • Non-QM loan
    • Self-employed
    • WV 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)
  4. 4

    Jason InglishNMLS 934863

    ALCOVA Mortgage · Cumberland, MD · licensed in 7 states

    • Real estate investor
    • FHA loan
    • First-time buyer
    • USDA loan
    • WV 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 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
    • WV 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)
  6. 6

    Mark NiosiNMLS 216306

    CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states

    • Real estate investor
    • Down payment assistance
    • Low credit score
    • First-time buyer
    • WV 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)
  7. 7

    Kaitlyn LinaneNMLS 1550584

    Guild Mortgage · Chantilly, VA · licensed in 6 states

    • Real estate investor
    • Jumbo loan
    • VA loan
    • WV 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)
  8. 8

    Rex GraszNMLS 245451

    Union Home Mortgage · Upper Sandusky, OH · licensed in 6 states

    • Real estate investor
    • Vacation home
    • WV 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)
  9. 9

    Richard JohnsonNMLS 455506

    Lower · Fairfax, VA · licensed in 7 states

    • Real estate investor
    • Vacation home
    • WV 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 2026-10-10)
    • States 25 years of experience (lender page, 2026-10-10)
  10. 10

    Nestor GotayNMLS 1140480

    Guild Mortgage · Winchester, VA · licensed in 3 states

    • Real estate investor
    • First-time buyer
    • Down payment assistance
    • WV 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)
  11. 11

    Chuck ButterfieldNMLS 176620

    Churchill Mortgage · licensed in 20 states

    • Real estate investor
    • First-time buyer
    • WV 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 2014 (per Colorado records)
  12. 12

    Reily KiserNMLS 1599098

    Lower · Columbus, OH · licensed in 23 states

    • Real estate investor
    • First-time buyer
    • Self-employed
    • WV 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 2026-10-10)
    • Licensed since 2023 (per Florida records)
  13. 13

    Jeffrey StemplerNMLS 171047

    First Heritage Mortgage · licensed in 8 states

    • Real estate investor
    • WV 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)
  14. 14

    Kelly CortNMLS 448152

    Guild Mortgage · Santa Rosa, CA · licensed in 50 states

    • Real estate investor
    • WV 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)
  15. 15

    Jason FoxNMLS 179208

    NFM Lending · Frederick, MD · licensed in 18 states

    • Real estate investor
    • Bank statement loan
    • DSCR loan
    • Self-employed
    • WV 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)
  16. 16

    Brandon ReillyNMLS 1654841

    Southern Trust Mortgage · Midlothian, VA · licensed in 5 states

    • Real estate investor
    • VA loan
    • WV 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)
  17. 17

    Mike EastmanNMLS 21108

    First Heritage Mortgage · Fairfax, VA · licensed in 12 states

    • Real estate investor
    • WV 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)
  18. 18

    Jason OrzelNMLS 1034897

    CrossCountry Mortgage · Cleveland, OH · licensed in 11 states

    • Real estate investor
    • WV 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)
  19. 19

    Matthew MacDougallNMLS 1035941

    First Heritage Mortgage · licensed in 6 states

    • Real estate investor
    • WV 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)
  20. 20

    Josh MoodyNMLS 139695

    Highlands Residential Mortgage · Allen, TX · licensed in 37 states

    • Real estate investor
    • FHA loan
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • WV 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 2021 (per Colorado records)
  21. 21

    Michael CaridiNMLS 1535854

    Highlands Residential Mortgage · Greensboro, NC · licensed in 5 states

    • Real estate investor
    • FHA loan
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • WV 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 2021 (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 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=investor&state=WV. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.