Property types · Delaware

New construction loan officers in Delaware

As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in Delaware whose lender pages show New construction work. The top-ranked are Richard Miller (Guild Mortgage, Columbia), Jay Cox (CrossCountry Mortgage, Pittsburgh) and Karla Melgar (Embrace Home Loans, La Plata). Ranking is lender-neutral: specialty evidence first, then a license in DE, 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 8

  1. 1

    Richard MillerNMLS 155674

    Guild Mortgage · Columbia, MD · licensed in 2 states

    • New construction
    • DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists New construction on lender page (lender page, verified 2026-10-09)
    • States 24 years of experience (lender page, 2026-10-09)
  2. 2

    Jay CoxNMLS 448416

    CrossCountry Mortgage · Pittsburgh, PA · licensed in 8 states

    • New construction
    • Jumbo loan
    • Self-employed
    • FHA loan
    • DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists New construction 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)
  3. 3

    Karla MelgarNMLS 186602

    Embrace Home Loans · La Plata, MD · licensed in 3 states

    • New construction
    • VA loan
    • DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists New construction on lender page (lender page, verified 2026-10-09)
    • States 52 years of experience (lender page, 2026-10-09)
  4. 4

    Mark MinadeoNMLS 330121

    Acrisure Mortgage (formerly FBC Mortgage) · Coconut Creek, FL · licensed in 3 states

    • New construction
    • FHA loan
    • Foreign national
    • USDA loan
    • DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists New construction on lender page (lender page, verified 2026-10-09)
    • Licensed since 2010 (per Florida records)
    • States 10 years of experience (lender page, 2026-10-09)
  5. 5

    Jennifer MerrickNMLS 2063146

    CrossCountry Mortgage · Dover, DE · licensed in 2 states

    • New construction
    • FHA loan
    • Non-QM loan
    • Construction loan
    • DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists New construction on lender page (lender page, verified 2026-10-09)
    • Office in Dover, DE
  6. 6

    Scott PhillipsNMLS 181137

    First Heritage Mortgage · licensed in 9 states

    • New construction
    • Non-QM loan
    • DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists New construction on lender page (lender page, verified 2026-10-09)
    • Licensed since 2024 (per Florida records)
  7. 7

    Alan EasterwoodNMLS 644550

    TowneBank Mortgage · Bank · Anniston, AL · licensed in 18 states

    • New construction
    • DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists New construction on lender page (lender page, verified 2026-10-09)
  8. 8

    Catherine MillerNMLS 2331946

    Guild Mortgage · Columbia, MD · licensed in 2 states

    • New construction
    • DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists New construction on lender page (lender page, verified 2026-10-09)

Before you choose

Long closing timelines need extended rate locks, and builder incentives often push buyers toward a preferred lender.

  • Can you offer an extended rate lock that covers the build timeline?
  • How do you compare with the builder's preferred lender incentives?
  • What happens if the completion date slips?

More about New construction

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