--- canonical_url: https://lendb.ai/s/new-construction/virginia last_verified: 2026-10-09 --- # New construction loan officers in Virginia As of 2026-10-09, LenDb lists 24 loan officers licensed in or based in Virginia whose lender pages show New construction work. The top-ranked are Scott Dunning (CrossCountry Mortgage, Midlothian), Sanj Banga (TowneBank Mortgage, Glen Allen) and Hugh Tanner (CrossCountry Mortgage, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in VA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Scott Dunning](https://lendb.ai/lo/scott-dunning-101361)** (NMLS 101361), CrossCountry Mortgage, Midlothian, VA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Midlothian, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 2. **[Sanj Banga](https://lendb.ai/lo/sanj-banga-182553)** (NMLS 182553), TowneBank Mortgage, Glen Allen, VA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Glen Allen, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 25 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) - VA 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. **[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) - VA 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) 5. **[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) - VA 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) 6. **[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) - VA 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) 7. **[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) - Office in Fredericksburg, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 8. **[Robert Reid](https://lendb.ai/lo/robert-reid-833194)** (NMLS 833194), CrossCountry Mortgage, Midlothian, VA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Midlothian, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[Lindsay Gay](https://lendb.ai/lo/lindsay-gay-2073699)** (NMLS 2073699), CrossCountry Mortgage, Midlothian, VA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Midlothian, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[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) - VA 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) 11. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 12. **[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) - VA 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) 13. **[Bill West](https://lendb.ai/lo/bill-west-119519)** (NMLS 119519), TowneBank Mortgage, Norfolk, VA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Norfolk, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Jay Lewis](https://lendb.ai/lo/jay-lewis-455252)** (NMLS 455252), TowneBank Mortgage, Richmond, VA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Richmond, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 15. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 16. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 17. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 20. **[W. Scott Hawkins](https://lendb.ai/lo/w-scott-hawkins-463473)** (NMLS 463473), Wells Fargo Home Mortgage, Mclean, VA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Mclean, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 21. **[Keith Raggio](https://lendb.ai/lo/keith-raggio-887400)** (NMLS 887400), U.S. Bank, Fairfax, VA - Lists New construction on lender page (lender page, verified 2026-10-09) - Office in Fairfax, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 22. **[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) - Office in Leesburg, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[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) - VA 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) 24. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) ## 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/virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._