--- canonical_url: https://lendb.ai/s/new-construction/maryland last_verified: 2026-10-09 --- # New construction loan officers in Maryland As of 2026-10-09, LenDb lists 16 loan officers licensed in or based in Maryland whose lender pages show New construction work. The top-ranked are Richard Miller (Guild Mortgage, Columbia), Karla Melgar (Embrace Home Loans, La Plata) and Hugh Tanner (CrossCountry Mortgage, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in MD, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Richard Miller](https://lendb.ai/lo/richard-miller-155674)** (NMLS 155674), Guild Mortgage, Columbia, MD - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Columbia, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 24 years of experience (lender page, 2026-10-09) 2. **[Karla Melgar](https://lendb.ai/lo/karla-melgar-186602)** (NMLS 186602), Embrace Home Loans, La Plata, MD - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in La Plata, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 52 years of experience (lender page, 2026-10-09) 3. **[Hugh Tanner](https://lendb.ai/lo/hugh-tanner-311018)** (NMLS 311018), CrossCountry Mortgage, San Diego, CA - Lists New construction on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 4. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 5. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 6. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 7. **[Chase Cusack](https://lendb.ai/lo/chase-cusack-1288538)** (NMLS 1288538), First Home Mortgage, Annapolis, MD - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Annapolis, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) 8. **[Catherine Miller](https://lendb.ai/lo/catherine-miller-2331946)** (NMLS 2331946), Guild Mortgage, Columbia, MD - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Columbia, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[Rachel Holman](https://lendb.ai/lo/rachel-holman-1909065)** (NMLS 1909065), NFM Lending, Linthicum, MD - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Linthicum, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 10. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 11. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 12. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Jennifer Merrick](https://lendb.ai/lo/jennifer-merrick-2063146)** (NMLS 2063146), CrossCountry Mortgage, Dover, DE - Lists New construction on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Melissa Maynard](https://lendb.ai/lo/melissa-maynard-2105169)** (NMLS 2105169), Embrace Home Loans, Columbia, MD - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Columbia, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 15. **[Caryn Grafton](https://lendb.ai/lo/caryn-grafton-312906)** (NMLS 312906), Atlantic Coast Mortgage, Leesburg, VA - Lists New construction on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) 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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 6 years of experience (lender page, 2026-10-09) ## 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/maryland. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._