--- canonical_url: https://lendb.ai/s/manufactured/florida last_verified: 2026-10-10 --- # Manufactured home loan officers in Florida As of 2026-10-10, LenDb lists 18 loan officers licensed in or based in Florida whose lender pages show Manufactured home work. The top-ranked are Andrew Lioi (Cardinal Financial Company, Sykesville), Christopher Gibson (C2 Financial Corporation) and Roy Montero (CrossCountry Mortgage, Honolulu). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Andrew Lioi](https://lendb.ai/lo/andrew-lioi-185715)** (NMLS 185715), Cardinal Financial Company, Sykesville, MD - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO17417), verified 2026-10-09 - Licensed since 2012 (per Florida records) - States 35 years of experience (lender page, 2026-10-09) 2. **[Christopher Gibson](https://lendb.ai/lo/christopher-gibson-1910430)** (NMLS 1910430), C2 Financial Corporation - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO128360), verified 2026-10-09 - Licensed since 2019 (per Colorado records) - States 15 years of experience (lender page, 2026-10-09) 3. **[Roy Montero](https://lendb.ai/lo/roy-montero-351403)** (NMLS 351403), CrossCountry Mortgage, Honolulu, HI - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO38484), verified 2026-10-09 - Licensed since 2015 (per Colorado records) 4. **[Chris Drane](https://lendb.ai/lo/christopher-drane-19621)** (NMLS 19621), Guild Mortgage, Clarksville, IN - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO112605), verified 2026-10-09 - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 5. **[Marleen Paquette](https://lendb.ai/lo/marleen-paquette-205609)** (NMLS 205609), Guild Mortgage, Manchester, NH - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO123134), verified 2026-10-09 - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 6. **[Tina-Marie Stahl](https://lendb.ai/lo/tina-marie-stahl-525364)** (NMLS 525364), Guild Mortgage, West Lafayette, IN - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO130715), verified 2026-10-09 - Licensed since 2024 (per Florida records) - States 40 years of experience (lender page, 2026-10-09) 7. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO120938), verified 2026-10-09 - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 8. **[Kellie Buchanan](https://lendb.ai/lo/kellie-buchanan-744052)** (NMLS 744052), Highlands Residential Mortgage, Angel Fire, NM - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO66091), verified 2026-10-09 - Licensed since 2019 (per Colorado records) - States 34 years of experience (lender page, 2026-10-09) 9. **[Joshua Champneys](https://lendb.ai/lo/joshua-champneys-1156263)** (NMLS 1156263), Empire Home Loans - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO51597), verified 2026-10-09 - Licensed since 2018 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 10. **[Kathy Hallmon](https://lendb.ai/lo/katharine-hallmon-754318)** (NMLS 754318), Guild Mortgage, Panama City, FL - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Office in Panama City, FL - Licensed in FL: confirmed with the Florida regulator (license LO37870), verified 2026-10-09 - Licensed since 2016 (per Florida records) 11. **[Christopher Hardy](https://lendb.ai/lo/christopher-hardy-1074707)** (NMLS 1074707), Loan Factory - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO138593), verified 2026-10-09 - Licensed since 2025 (per Florida records) 12. **[Clint Minyard](https://lendb.ai/lo/clint-minyard-1149779)** (NMLS 1149779), Cardinal Financial Company, Dallas, TX - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO116817), verified 2026-10-09 - Licensed since 2023 (per Florida records) 13. **[Siri Calamese](https://lendb.ai/lo/siri-calamese-2075460)** (NMLS 2075460), Guild Mortgage, Tampa, FL - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Office in Tampa, FL - Licensed in FL: confirmed with the Florida regulator (license LO86434), verified 2026-10-09 - Licensed since 2021 (per Florida records) 14. **[Peter Knap](https://lendb.ai/lo/peter-knap-214269)** (NMLS 214269), Guild Mortgage, Marietta, GA - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO63844), verified 2026-10-09 - Licensed since 2019 (per Florida records) 15. **[Cindy Hammond](https://lendb.ai/lo/cynthia-hammond-164102)** (NMLS 164102), Lower, Cleveland, GA - Lists Manufactured home on lender page (lender page, verified 2026-10-10) - Licensed in FL: confirmed with the Florida regulator (license LO79609), verified 2026-10-09 - Licensed since 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-10) 16. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO95132), verified 2026-10-09 - Licensed since 2021 (per Florida records) 17. **[Darrel Long](https://lendb.ai/lo/darrel-long-953286)** (NMLS 953286), Guild Mortgage, Columbia, SC - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO146406), verified 2026-10-09 - Licensed since 2026 (per Florida records) 18. **[Caitlyn Suzanne McPeake](https://lendb.ai/lo/caitlyn-mcpeake-1447832)** (NMLS 1447832), Guild Mortgage, Henderson, NV - Lists Manufactured home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO151008), verified 2026-10-09 - Licensed since 2026 (per Florida records) ## Questions to ask - Do you finance manufactured homes as real property, chattel, or both? - What foundation certification and age requirements apply? - Can the land and home be financed together? Cite as: LenDb.ai, https://lendb.ai/s/manufactured/florida. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._