Property types · Florida
New construction loan officers in Florida
As of 2026-10-09, LenDb lists 28 loan officers licensed in or based in Florida whose lender pages show New construction work. The top-ranked are Kim Ullrich (Guild Mortgage, Vero Beach), Jeffrey M Brown (Guild Mortgage, Boca Raton) and Mark Minadeo (Acrisure Mortgage (formerly FBC Mortgage), Coconut Creek). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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
Kim UllrichNMLS 306250
Guild Mortgage · Vero Beach, FL
- New construction
- 1099 income
- Bank statement loan
- DSCR loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 2
Jeffrey M BrownNMLS 317188
Guild Mortgage · Boca Raton, FL · licensed in 2 states
- New construction
- Condo
- Foreign national
- FHA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 3
Mark MinadeoNMLS 330121
Acrisure Mortgage (formerly FBC Mortgage) · Coconut Creek, FL · licensed in 3 states
- New construction
- FHA loan
- Foreign national
- Renovation loan (203k / HomeStyle)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 4
Adam RosenblattNMLS 339515
Guild Mortgage · Boca Raton, FL · licensed in 2 states
- New construction
- Condo
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 5
Kim FoglesongNMLS 490462
Guild Mortgage · Boca Raton, FL
- New construction
- 2 to 4 unit property
- Down payment assistance
- DSCR loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 14 years licensed
- 6
Spencer LumiaNMLS 1247908
Acrisure Mortgage (formerly FBC Mortgage) · Tampa, FL
- New construction
- Condo
- FHA loan
- Jumbo loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 11 years licensed
- 7
Stephen ThaggardNMLS 356309
Embrace Home Loans · Viera, FL
- New construction
- Jumbo loan
- VA loan
- FHA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 14 years licensed
- 8
Michelle DennardNMLS 335996
Embrace Home Loans · Viera, FL
- New construction
- First-time buyer
- VA loan
- Real estate investor
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 11 years licensed
- 9
Jeremy GrahamNMLS 8851
Total Mortgage Services · Braintree, MA
- New construction
- Co-op
- Condo
- FHA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 10
Katherine RivasNMLS 1005484
Embrace Home Loans · Viera, FL
- New construction
- First-time buyer
- Self-employed
- FHA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 8 years licensed
- 11
Jorge MedinaNMLS 2107817
Guild Mortgage · Port St Lucie, FL
- New construction
- FHA loan
- First-time buyer
- Non-QM loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 5 years licensed
- 12
Pat KinderNMLS 277042
Fairway Independent Mortgage Corporation · Fort Wayne, IN · licensed in 4 states
- New construction
- Construction loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 13 years licensed
- No disciplinary actions on file at LenDb
- 13
Sandra SpencerNMLS 859406
U.S. Bank · Melbourne, FL
- New construction
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 9 years licensed
- 14
Todd BlakeNMLS 196726
Guild Mortgage · Alpharetta, GA · licensed in 6 states
- New construction
- First-time buyer
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 15
- 16
Holly WaltherNMLS 507972
Success Mortgage Partners · St. Augustine, FL · licensed in 8 states
- New construction
- First-time buyer
- Real estate investor
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 8 years licensed
- 17
Chris ArmbrusterNMLS 1141561
Union Home Mortgage · Roanoke, TX · licensed in 10 states
- New construction
- First-time buyer
- VA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 18
Lucas DukesNMLS 1041771
Fairway Independent Mortgage Corporation · Madison, GA
- New construction
- First-time buyer
- USDA loan
- VA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 19
Jess UphoffNMLS 174999
Homeowners Financial Group · Westminster, CO · licensed in 12 states
- New construction
- Construction loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 20
Ann GeskeNMLS 239635
C2 Financial Corporation · California · licensed in 4 states
- New construction
- Construction loan
- FHA loan
- Real estate investor
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 21
Kathy MorrisNMLS 451750
Embrace Home Loans · Tampa, FL · licensed in 2 states
- New construction
- VA loan
- FHA loan
- USDA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 2 years licensed
- 22
Sundi EngleNMLS 1385043
Embrace Home Loans · Tampa, FL · licensed in 3 states
- New construction
- FHA loan
- Jumbo loan
- Non-QM loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 10 years licensed
- 23
Sanjay BabbarNMLS 201295
U.S. Bank · Fort Lauderdale, FL
- New construction
- Construction loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 1 years licensed
- 24
Scott HineNMLS 475661
Fairway Independent Mortgage Corporation · Fredericksburg, VA · licensed in 14 states
- New construction
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 25
Lynn HigleyNMLS 659642
Truist Bank · Lake Mary, FL
- New construction
- Jumbo loan
- Physician and medical professional
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Branch in Florida; no license list on file yet, verify at NMLS Consumer Access
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
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?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in FL or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=new-construction&state=FL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.