{
  "canonical_url": "https://lendb.ai/s/new-construction/virginia",
  "summary": "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.",
  "specialty": "new-construction",
  "state": "VA",
  "total": 33,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 186602,
        "slug": "karla-melgar-186602",
        "full_name": "Karla Melgar",
        "canonical_url": "https://lendb.ai/lo/karla-melgar-186602",
        "json_url": "https://lendb.ai/lo/karla-melgar-186602.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184"
        },
        "branch": {
          "city": "La Plata",
          "state": "MD"
        },
        "licensed_states": [
          "DE",
          "MD",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 52,
        "lender_profile_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/karla-melgar-186602"
    },
    {
      "rank": 2,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 475661,
        "slug": "scott-hine-475661",
        "full_name": "Scott Hine",
        "canonical_url": "https://lendb.ai/lo/scott-hine-475661",
        "json_url": "https://lendb.ai/lo/scott-hine-475661.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Fredericksburg",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "IN",
          "KY",
          "MD",
          "MI",
          "MO",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/scott-hine-475661"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-hine-475661"
    },
    {
      "rank": 3,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1594448,
        "slug": "katie-shiers-1594448",
        "full_name": "Katie Shiers",
        "canonical_url": "https://lendb.ai/lo/katie-shiers-1594448",
        "json_url": "https://lendb.ai/lo/katie-shiers-1594448.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Charlottesville",
          "state": "VA"
        },
        "licensed_states": [
          "NC",
          "SC",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/va/charlottesville/katie-shiers-145-rgks.html"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/katie-shiers-1594448"
    },
    {
      "rank": 4,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 1141561,
        "slug": "christopher-armbruster-1141561",
        "full_name": "Chris Armbruster",
        "canonical_url": "https://lendb.ai/lo/christopher-armbruster-1141561",
        "json_url": "https://lendb.ai/lo/christopher-armbruster-1141561.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Roanoke",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "GA",
          "KS",
          "MO",
          "OK",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/chris-armbruster/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-armbruster-1141561"
    },
    {
      "rank": 5,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 174999,
        "slug": "jessica-uphoff-174999",
        "full_name": "Jess Uphoff",
        "canonical_url": "https://lendb.ai/lo/jessica-uphoff-174999",
        "json_url": "https://lendb.ai/lo/jessica-uphoff-174999.json",
        "lender": {
          "nmls_id": 93718,
          "name": "Homeowners Financial Group",
          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718"
        },
        "branch": {
          "city": "Westminster",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "ID",
          "IL",
          "MT",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://homeownersfg.com/jessuphoff/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/jessica-uphoff-174999"
    },
    {
      "rank": 6,
      "score": 48.5,
      "loan_officer": {
        "nmls_id": 101361,
        "slug": "scott-dunning-101361",
        "full_name": "Scott Dunning",
        "canonical_url": "https://lendb.ai/lo/scott-dunning-101361",
        "json_url": "https://lendb.ai/lo/scott-dunning-101361.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Midlothian",
          "state": "VA"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/midlothian-va-2614/scott-dunning/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-dunning-101361"
    },
    {
      "rank": 7,
      "score": 48.5,
      "loan_officer": {
        "nmls_id": 182553,
        "slug": "sanj-banga-182553",
        "full_name": "Sanj Banga",
        "canonical_url": "https://lendb.ai/lo/sanj-banga-182553",
        "json_url": "https://lendb.ai/lo/sanj-banga-182553.json",
        "lender": {
          "nmls_id": 512138,
          "name": "TowneBank Mortgage",
          "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138"
        },
        "branch": {
          "city": "Glen Allen",
          "state": "VA"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://townebankmortgage.com/officers/sanj-banga/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/sanj-banga-182553"
    },
    {
      "rank": 8,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 182206,
        "slug": "thomas-gaffney-182206",
        "full_name": "Tom Gaffney",
        "canonical_url": "https://lendb.ai/lo/thomas-gaffney-182206",
        "json_url": "https://lendb.ai/lo/thomas-gaffney-182206.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "MD",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 25,
        "lender_profile_url": "https://fhmtg.com/officers/tom-gaffney/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/thomas-gaffney-182206"
    },
    {
      "rank": 9,
      "score": 48,
      "loan_officer": {
        "nmls_id": 504917,
        "slug": "gabriel-libutti-504917",
        "full_name": "Gabe Libutti",
        "canonical_url": "https://lendb.ai/lo/gabriel-libutti-504917",
        "json_url": "https://lendb.ai/lo/gabriel-libutti-504917.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114"
        },
        "branch": {
          "city": "Huntersville",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "GA",
          "NC",
          "SC",
          "TN",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": null,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/gabe-libutti/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/gabriel-libutti-504917"
    },
    {
      "rank": 10,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 1930460,
        "slug": "jeffrey-merk-1930460",
        "full_name": "Jeffrey Merk",
        "canonical_url": "https://lendb.ai/lo/jeffrey-merk-1930460",
        "json_url": "https://lendb.ai/lo/jeffrey-merk-1930460.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "GA",
          "MD",
          "NC",
          "SC",
          "TN",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 6,
        "lender_profile_url": "https://fhmtg.com/officers/jeffrey-merk/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-merk-1930460"
    },
    {
      "rank": 11,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 204443,
        "slug": "ronald-haddad-204443",
        "full_name": "Ron Haddad",
        "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443",
        "json_url": "https://lendb.ai/lo/ronald-haddad-204443.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Arlington Heights",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "IL",
          "IN",
          "MI",
          "NC",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 20,
        "lender_profile_url": "https://www.uhm.com/loan-officers/ron-haddad/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443"
    },
    {
      "rank": 12,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 181137,
        "slug": "scott-phillips-181137",
        "full_name": "Scott Phillips",
        "canonical_url": "https://lendb.ai/lo/scott-phillips-181137",
        "json_url": "https://lendb.ai/lo/scott-phillips-181137.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "PA",
          "SC",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": null,
        "lender_profile_url": "https://fhmtg.com/officers/scott-phillips/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-phillips-181137"
    },
    {
      "rank": 13,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 1288538,
        "slug": "chase-cusack-1288538",
        "full_name": "Chase Cusack",
        "canonical_url": "https://lendb.ai/lo/chase-cusack-1288538",
        "json_url": "https://lendb.ai/lo/chase-cusack-1288538.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603"
        },
        "branch": {
          "city": "Annapolis",
          "state": "MD"
        },
        "licensed_states": [
          "DC",
          "MD",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/chase-cusack/"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
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}