--- canonical_url: https://lendb.ai/s/new-construction/texas last_verified: 2026-10-11 --- # New construction loan officers in Texas As of 2026-10-11, LenDb lists 34 loan officers licensed in or based in Texas whose lender pages show New construction work. The top-ranked are James Ward (Fairway Independent Mortgage Corporation, Houston), Bobbie Greenman (Guild Mortgage, San Antonio) and Hugh Tanner (CrossCountry Mortgage, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[James Ward](https://lendb.ai/lo/james-ward-168854)** (NMLS 168854), Fairway Independent Mortgage Corporation, Houston, TX - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Houston, TX - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 2. **[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) - Office in San Antonio, TX - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 28, 2021 (Florida), per state regulator - States 30 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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 23, 2021 (Colorado), per state regulator - States 25 years of experience (lender page, 2026-10-09) 4. **[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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 8, 2008 (Colorado), per state regulator 5. **[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) - Office in Shavano Park, TX - TX 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) 6. **[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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 7, 2019 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 7. **[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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 7, 2022 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 8. **[Julian Retan](https://lendb.ai/lo/julian-retan-2841984)** (NMLS 2841984), Highlands Residential Mortgage, Allen, TX - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Allen, TX - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 12 years of experience (lender page, 2026-10-09) 9. **[Dennis Wood](https://lendb.ai/lo/dennis-wood-307444)** (NMLS 307444), Edge Home Finance - Lists New construction on lender page (lender page, verified 2026-10-10) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-10) 10. **[Terry Ray](https://lendb.ai/lo/terry-ray-1473299)** (NMLS 1473299), Prosperity Bank, Weatherford, TX - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Weatherford, TX - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 10 years of experience (lender page, 2026-10-09) 11. **[James Mark Denman](https://lendb.ai/lo/james-mark-denman-300060)** (NMLS 300060), Xpert Home Lending, CO - Lists New construction on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 6, 2006 (Colorado), per state regulator 12. **[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) - Office in Allen, TX - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 24, 2021 (Florida), per state regulator 13. **[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) - Office in Roanoke, TX - TX 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 14. **[Misty Stewart](https://lendb.ai/lo/misty-stewart-280093)** (NMLS 280093), LoanPeople, TX - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Texas - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Amanda Stewart](https://lendb.ai/lo/amanda-stewart-292478)** (NMLS 292478), LoanPeople, TX - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Texas - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Joshua Mitchell](https://lendb.ai/lo/joshua-mitchell-2064664)** (NMLS 2064664), Guild Mortgage, Boerne, TX - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Boerne, TX - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Bethany Chandler](https://lendb.ai/lo/bethany-chandler-767430)** (NMLS 767430), CrossCountry Mortgage, Englewood, CO - Lists New construction on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 8, 2021 (Florida), per state regulator 18. **[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) - TX 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) 19. **[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) - TX 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) 20. **[Gabriela Abad](https://lendb.ai/lo/maria-abad-1374686)** (NMLS 1374686), Mutual of Omaha Mortgage, Charlotte, NC - Lists New construction on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 11, 2024 (Florida), per state regulator 21. **[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) - TX 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 22. **[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) - TX 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 23. **[Ed Rowe III](https://lendb.ai/lo/ed-rowe-iii-262647)** (NMLS 262647), Loan Factory, TX - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Texas - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[Melissa Muench](https://lendb.ai/lo/melissa-muench-271625)** (NMLS 271625), U.S. Bank, Houston, TX - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Houston, TX - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Earliest state license record: October 24, 2022 (Florida), per state regulator 25. **[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) - TX 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/texas. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._