Property types · Virginia
New construction loan officers in Virginia
As of 2026-10-09, LenDb lists 33 loan officers licensed in or based in Virginia whose lender pages show New construction work. The top-ranked are Karla Melgar (Embrace Home Loans, La Plata), Scott Hine (Fairway Independent Mortgage Corporation, Fredericksburg) and Katie Shiers (Guild Mortgage, Charlottesville). Ranking is lender-neutral: specialty evidence first, then a license in VA, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
Karla MelgarNMLS 186602
Embrace Home Loans · La Plata, MD · licensed in 3 states
- New construction
- VA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 52 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 2
Scott HineNMLS 475661
Fairway Independent Mortgage Corporation · Fredericksburg, VA · licensed in 14 states
- New construction
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 6 years licensed
- 3
Katie ShiersNMLS 1594448
Guild Mortgage · Charlottesville, VA · licensed in 3 states
- New construction
- First-time buyer
- Real estate investor
- Renovation loan (203k / HomeStyle)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- No disciplinary actions on file at LenDb
- 4
Chris ArmbrusterNMLS 1141561
Union Home Mortgage · Roanoke, TX · licensed in 10 states
- New construction
- First-time buyer
- VA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 5
Jess UphoffNMLS 174999
Homeowners Financial Group · Westminster, CO · licensed in 12 states
- New construction
- Construction loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 6
Scott DunningNMLS 101361
CrossCountry Mortgage · Midlothian, VA
- New construction
- Real estate investor
- FHA loan
- First-time buyer
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Sanj BangaNMLS 182553
TowneBank Mortgage · Glen Allen, VA
- New construction
- Construction loan
- FHA loan
- USDA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 8
Tom GaffneyNMLS 182206
First Heritage Mortgage · licensed in 3 states
- New construction
- First-time buyer
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 9
Gabe LibuttiNMLS 504917
Atlantic Coast Mortgage · Huntersville, NC · licensed in 6 states
- New construction
- Construction loan
- Jumbo loan
- Real estate investor
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 10
Jeffrey MerkNMLS 1930460
First Heritage Mortgage · licensed in 7 states
- New construction
- FHA loan
- USDA loan
- VA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 11
Ron HaddadNMLS 204443
Union Home Mortgage · Arlington Heights, IL · licensed in 8 states
- New construction
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 12
Scott PhillipsNMLS 181137
First Heritage Mortgage · licensed in 9 states
- New construction
- Non-QM loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 13
Chase CusackNMLS 1288538
First Home Mortgage · Annapolis, MD · licensed in 3 states
- New construction
- FHA loan
- First-time buyer
- USDA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 14
Pamela RothwellNMLS 1795698
First Heritage Mortgage · licensed in 6 states
- New construction
- Construction loan
- Renovation loan (203k / HomeStyle)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 15
Melissa MaynardNMLS 2105169
Embrace Home Loans · Columbia, MD · licensed in 4 states
- New construction
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 16
Corinne SpartanaNMLS 1965019
Fairway Independent Mortgage Corporation · Towson, MD · licensed in 9 states
- New construction
- First-time buyer
- FHA loan
- Non-QM loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 17
Char-Lee SmithNMLS 485886
Atlantic Coast Mortgage · Huntersville, NC · licensed in 2 states
- New construction
- Down payment assistance
- First-time buyer
- VA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 18
Rachel HolmanNMLS 1909065
NFM Lending · Linthicum, MD · licensed in 5 states
- New construction
- VA loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 19
Michelle RotenNMLS 118635
Union Home Mortgage · Burlington, NC · licensed in 3 states
- New construction
- Vacation home
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 20
Alan EasterwoodNMLS 644550
TowneBank Mortgage · Anniston, AL · licensed in 18 states
- New construction
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 21
Jeanne BidwellNMLS 313615
First Heritage Mortgage · licensed in 4 states
- New construction
- First-time buyer
- Real estate investor
- Renovation loan (203k / HomeStyle)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 22
Randall BroganNMLS 1702451
Total Mortgage Services · Harrisonburg, VA
- New construction
- First-time buyer
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- No disciplinary actions on file at LenDb
- 23
Bill WestNMLS 119519
TowneBank Mortgage · Norfolk, VA
- New construction
- Construction loan
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 24
Jay LewisNMLS 455252
TowneBank Mortgage · Richmond, VA
- New construction
- Jumbo loan
- Physician and medical professional
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 25
Robert ReidNMLS 833194
CrossCountry Mortgage · Midlothian, VA
- New construction
- VA loan
- FHA loan
- First-time buyer
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
Before you choose
Long closing timelines need extended rate locks, and builder incentives often push buyers toward a preferred lender.
- 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?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in VA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=new-construction&state=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.