--- canonical_url: https://lendb.ai/s/new-construction/tennessee last_verified: 2026-10-10 --- # New construction loan officers in Tennessee As of 2026-10-10, LenDb lists 20 loan officers licensed in or based in Tennessee whose lender pages show New construction work. The top-ranked are Jessica Uphoff (Homeowners Financial Group, Westminster), Gabe Libutti (Atlantic Coast Mortgage, Huntersville) and Sheri Watkins (Ruoff Mortgage). Ranking is lender-neutral: specialty evidence first, then a license in TN, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Jessica Uphoff](https://lendb.ai/lo/jessica-uphoff-174999)** (NMLS 174999), Homeowners Financial Group, Westminster, CO - Lists New construction on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2008 (per Colorado records) 2. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 3. **[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) - TN 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) 4. **[Aimia Mire](https://lendb.ai/lo/aimia-mire-128546)** (NMLS 128546), GMFS Mortgage, Lafayette, LA - Lists New construction on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 5. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 6. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 7. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 8. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 9. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 10. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 11. **[Michael DeWitt](https://lendb.ai/lo/michael-dewitt-129465)** (NMLS 129465), Highlands Residential Mortgage, Allen, TX - Lists New construction on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 12. **[Jessica Barber](https://lendb.ai/lo/jessica-barber-913195)** (NMLS 913195), Guild Mortgage, Florissant, MO - Lists New construction on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 13. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 14. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 15. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Mina Agaiby](https://lendb.ai/lo/mina-agaiby-1530811)** (NMLS 1530811), U.S. Bank, Franklin, TN - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Franklin, TN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 17. **[Lynn Scuderi](https://lendb.ai/lo/lynn-scuderi-23176)** (NMLS 23176), U.S. Bank, Cookeville, TN - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Cookeville, TN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 18. **[Michael Smith](https://lendb.ai/lo/michael-smith-484137)** (NMLS 484137), U.S. Bank, Brentwood, TN - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Brentwood, TN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 19. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-10) 20. **[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) - TN 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/tennessee. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._