--- canonical_url: https://lendb.ai/s/new-construction/georgia last_verified: 2026-10-11 --- # New construction loan officers in Georgia As of 2026-10-11, LenDb lists 18 loan officers licensed in or based in Georgia whose lender pages show New construction work. The top-ranked are Kim Caudell (CrossCountry Mortgage, Monroe), Todd Blake (Guild Mortgage, Alpharetta) and Gabe Libutti (Atlantic Coast Mortgage, Huntersville). Ranking is lender-neutral: specialty evidence first, then a license in GA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - Office in Monroe, GA - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 15, 2025 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 2. **[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) - Office in Alpharetta, GA - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 5, 2014 (Florida), per state regulator 3. **[Gabe Libutti](https://lendb.ai/lo/gabriel-libutti-504917)** (NMLS 504917), Atlantic Coast Mortgage, Huntersville, NC - Lists New construction on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 10, 2019 (Florida), per state regulator - States 24 years of experience (lender page, 2026-10-09) 4. **[Chad Emerson](https://lendb.ai/lo/chad-emerson-232133)** (NMLS 232133), CMG Home Loans, Shavano Park, TX - Lists New construction on lender page (lender page, verified 2026-10-11) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 23, 2023 (Florida), per state regulator - States 27 years of experience (lender page, 2026-10-11) 5. **[Josh Stader](https://lendb.ai/lo/josh-stader-1663130)** (NMLS 1663130), First Heritage Mortgage, Aiken, SC - Lists New construction on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 6 years of experience (lender page, 2026-10-09) 6. **[Erin Hendricks](https://lendb.ai/lo/dennis-hendricks-90634)** (NMLS 90634), Intercap Lending, Pleasant Grove, UT - Lists New construction on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 1, 2021 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 7. **[Brian Sewell](https://lendb.ai/lo/brian-sewell-212085)** (NMLS 212085), Guild Mortgage, Frankfort, IL - Lists New construction on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 6, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 8. **[Kylie Miller](https://lendb.ai/lo/kylie-miller-562713)** (NMLS 562713), CrossCountry Mortgage, Beavercreek, OH - Lists New construction on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 16, 2025 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 9. **[Jeanne Bidwell](https://lendb.ai/lo/jeanne-bidwell-313615)** (NMLS 313615), First Heritage Mortgage - Lists New construction on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 30, 2021 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 10. **[Karen Chiu](https://lendb.ai/lo/karen-chiu-611778)** (NMLS 611778), CrossCountry Mortgage, San Gabriel, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 1, 2020 (Colorado), per state regulator 11. **[Ryan Sandell](https://lendb.ai/lo/ryan-sandell-221731)** (NMLS 221731), NFM Lending, Tempe, AZ - Lists New construction on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 8, 2021 (Florida), per state regulator 12. **[Chris Armbruster](https://lendb.ai/lo/christopher-armbruster-1141561)** (NMLS 1141561), Union Home Mortgage, Roanoke, TX - Lists New construction on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 22, 2025 (Florida), per state regulator 13. **[Scott Phillips](https://lendb.ai/lo/scott-phillips-181137)** (NMLS 181137), First Heritage Mortgage - Lists New construction on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 1, 2024 (Florida), per state regulator 14. **[Alan Easterwood](https://lendb.ai/lo/alan-easterwood-644550)** (NMLS 644550), TowneBank Mortgage, Anniston, AL - Lists New construction on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Leslie Bergen](https://lendb.ai/lo/leslie-bergen-383352)** (NMLS 383352), Lower, El Paso, TX - Lists New construction on lender page (lender page, verified 2026-10-10) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 10, 2023 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-10) 16. **[Jeffrey Merk](https://lendb.ai/lo/jeffrey-merk-1930460)** (NMLS 1930460), First Heritage Mortgage - Lists New construction on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 13, 2020 (Florida), per state regulator - States 6 years of experience (lender page, 2026-10-09) 17. **[Kelly Hagler](https://lendb.ai/lo/kelly-hagler-583063)** (NMLS 583063), CMG Home Loans, Napa , CA - Lists New construction on lender page (lender page, verified 2026-10-11) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Danielle Kelley](https://lendb.ai/lo/danielle-kelley-2448817)** (NMLS 2448817), Lower, Greenville, SC - Lists New construction on lender page (lender page, verified 2026-10-10) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/georgia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._