--- canonical_url: https://lendb.ai/s/new-construction/florida last_verified: 2026-10-09 --- # New construction loan officers in Florida As of 2026-10-09, LenDb lists 26 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. ## Ranked, with reasons 1. **[Kim Ullrich](https://lendb.ai/lo/kim-ullrich-306250)** (NMLS 306250), Guild Mortgage, Vero Beach, FL - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Vero Beach, FL - Licensed in FL: confirmed with the Florida regulator (license LO8958), verified 2026-10-09 - Licensed since 2011 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 2. **[Jeffrey M Brown](https://lendb.ai/lo/jeffrey-brown-317188)** (NMLS 317188), Guild Mortgage, Boca Raton, FL - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Boca Raton, FL - Licensed in FL: confirmed with the Florida regulator (license LO1840), verified 2026-10-09 - Licensed since 2011 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 3. **[Mark Minadeo](https://lendb.ai/lo/mark-minadeo-330121)** (NMLS 330121), Acrisure Mortgage (formerly FBC Mortgage), Coconut Creek, FL - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Coconut Creek, FL - Licensed in FL: confirmed with the Florida regulator (license LO673), verified 2026-10-09 - Licensed since 2010 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 4. **[Beverly Liesy](https://lendb.ai/lo/beverly-liesy-241577)** (NMLS 241577), Newrez, Seattle, WA - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO130606), verified 2026-10-09 - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 5. **[Pat Kinder](https://lendb.ai/lo/patrick-kinder-277042)** (NMLS 277042), Fairway Independent Mortgage Corporation, Fort Wayne, IN - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO20204), verified 2026-10-09 - Licensed since 2013 (per Florida records) - States 40 years of experience (lender page, 2026-10-09) 6. **[Bobbie Greenman](https://lendb.ai/lo/roberta-greenman-334493)** (NMLS 334493), Guild Mortgage, San Antonio, TX - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO92070), verified 2026-10-09 - Licensed since 2021 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 7. **[Kay M. Davis](https://lendb.ai/lo/katherine-davis-436627)** (NMLS 436627), Union Home Mortgage, Saint Clair, MI - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO40170), verified 2026-10-09 - Licensed since 2017 (per Florida records) - States 35 years of experience (lender page, 2026-10-09) 8. **[Jay Cox](https://lendb.ai/lo/jeremiah-cox-448416)** (NMLS 448416), CrossCountry Mortgage, Pittsburgh, PA - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO145956), verified 2026-10-09 - Licensed since 2026 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 9. **[Mackenzie Curtis](https://lendb.ai/lo/mackenzie-wood-471956)** (NMLS 471956), Acrisure Mortgage (formerly FBC Mortgage) - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO132143), verified 2026-10-09 - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 10. **[Spencer Lumia](https://lendb.ai/lo/spencer-lumia-1247908)** (NMLS 1247908), Acrisure Mortgage (formerly FBC Mortgage), Tampa, FL - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Tampa, FL - Licensed in FL: confirmed with the Florida regulator (license LO27657), verified 2026-10-09 - Licensed since 2014 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 11. **[Lynn Higley](https://lendb.ai/lo/lynn-higley-659642)** (NMLS 659642), Truist Bank, Lake Mary, FL - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Lake Mary, FL - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 20 years of experience (lender page, 2026-10-09) 12. **[Kim Caudell](https://lendb.ai/lo/kimberly-caudell-1887966)** (NMLS 1887966), CrossCountry Mortgage, Monroe, GA - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO142040), verified 2026-10-09 - Licensed since 2025 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 13. **[Stephen Thaggard](https://lendb.ai/lo/stephen-thaggard-356309)** (NMLS 356309), Embrace Home Loans, Viera, FL - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Viera, FL - Licensed in FL: confirmed with the Florida regulator (license LO11561), verified 2026-10-09 - Licensed since 2011 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 14. **[Bambi Winstead](https://lendb.ai/lo/bambi-winstead-369809)** (NMLS 369809), Acrisure Mortgage (formerly FBC Mortgage), Louisville, KY - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO44764), verified 2026-10-09 - Licensed since 2017 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 15. **[Todd Blake](https://lendb.ai/lo/allan-blake-196726)** (NMLS 196726), Guild Mortgage, Alpharetta, GA - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO23755), verified 2026-10-09 - Licensed since 2014 (per Florida records) 16. **[Ann Geske](https://lendb.ai/lo/ann-geske-239635)** (NMLS 239635), C2 Financial Corporation, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO56380), verified 2026-10-09 - Licensed since 2018 (per Florida records) - States 35 years of experience (lender page, 2026-10-09) 17. **[Stasie Pike](https://lendb.ai/lo/anastasia-pike-23087)** (NMLS 23087), Evergreen Home Loans, Poulsbo, WA - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO148471), verified 2026-10-09 - Licensed since 2026 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 18. **[Tom Gaffney](https://lendb.ai/lo/thomas-gaffney-182206)** (NMLS 182206), First Heritage Mortgage - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO60909), verified 2026-10-09 - Licensed since 2019 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 19. **[Kim Foglesong](https://lendb.ai/lo/kim-foglesong-490462)** (NMLS 490462), Guild Mortgage, Boca Raton, FL - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Boca Raton, FL - Licensed in FL: confirmed with the Florida regulator (license LO12591), verified 2026-10-09 - Licensed since 2011 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 20. **[Sheri Watkins](https://lendb.ai/lo/sheri-watkins-279665)** (NMLS 279665), Ruoff Mortgage - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO63250), verified 2026-10-09 - Licensed since 2019 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 21. **[Karen Levy](https://lendb.ai/lo/karen-levy-850848)** (NMLS 850848), CrossCountry Mortgage, Sarasota, FL - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Sarasota, FL - Licensed in FL: confirmed with the Florida regulator (license LO123504), verified 2026-10-09 - Licensed since 2023 (per Florida records) 22. **[Sandra Spencer](https://lendb.ai/lo/sandra-spencer-859406)** (NMLS 859406), U.S. Bank, Melbourne, FL - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Melbourne, FL - Licensed in FL: confirmed with the Florida regulator (license LO42224), verified 2026-10-09 - Licensed since 2017 (per Florida records) 23. **[Michelle Dennard](https://lendb.ai/lo/michelle-human-335996)** (NMLS 335996), Embrace Home Loans, Viera, FL - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Viera, FL - Licensed in FL: confirmed with the Florida regulator (license LO27746), verified 2026-10-09 - Licensed since 2014 (per Florida records) 24. **[Scott Hine](https://lendb.ai/lo/scott-hine-475661)** (NMLS 475661), Fairway Independent Mortgage Corporation, Fredericksburg, VA - Lists New construction on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO71587), verified 2026-10-09 - Licensed since 2020 (per Florida records) 25. **[Scott Alvarez](https://lendb.ai/lo/anthony-alvarez-343490)** (NMLS 343490), U.S. Bank, Tampa, FL - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Tampa, FL - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2011 (per Florida records) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/new-construction/florida. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._