--- canonical_url: https://lendb.ai/s/non-qm/alabama last_verified: 2026-10-10 --- # Non-QM loan officers in Alabama As of 2026-10-10, LenDb lists 61 loan officers licensed in or based in Alabama whose lender pages show Non-QM loan work. The top-ranked are Tammy Frith (CrossCountry Mortgage, Destin), Nick Redhead (Embrace Home Loans, Pensacola) and Archie E. Vetter (Neighborhood Loans). Ranking is lender-neutral: specialty evidence first, then a license in AL, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Tammy Frith](https://lendb.ai/lo/tammy-frith-190264)** (NMLS 190264), CrossCountry Mortgage, Destin, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 2. **[Nick Redhead](https://lendb.ai/lo/nicholas-redhead-594824)** (NMLS 594824), Embrace Home Loans, Pensacola, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 3. **[Archie E. Vetter](https://lendb.ai/lo/archie-vetter-203614)** (NMLS 203614), Neighborhood Loans - Lists Non-QM loan on lender page (lender page, verified 2026-10-10) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-10) 4. **[Sean Frith](https://lendb.ai/lo/sean-frith-1090092)** (NMLS 1090092), CrossCountry Mortgage, Destin, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 5. **[Karen Chiu](https://lendb.ai/lo/karen-chiu-611778)** (NMLS 611778), CrossCountry Mortgage, San Gabriel, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 6. **[Jason Stallworth](https://lendb.ai/lo/jason-stallworth-7577)** (NMLS 7577), Embrace Home Loans, Amityville, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 7. **[Cissy Bacon](https://lendb.ai/lo/cecilia-bacon-36702)** (NMLS 36702), CrossCountry Mortgage, Mobile, AL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Mobile, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 8. **[Andrew Marquis](https://lendb.ai/lo/andrew-marquis-29861)** (NMLS 29861), CrossCountry Mortgage, Lexington, MA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 9. **[Angie Gora Vincent](https://lendb.ai/lo/angela-vincent-103294)** (NMLS 103294), CrossCountry Mortgage, Bethlehem, GA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 10. **[Shawn Kaplan](https://lendb.ai/lo/shawn-kaplan-184641)** (NMLS 184641), CrossCountry Mortgage, Franklin, TN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 11. **[Sandra Smith](https://lendb.ai/lo/sandra-smith-200651)** (NMLS 200651), CrossCountry Mortgage, Alpharetta, GA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 12. **[Stacey Grimes](https://lendb.ai/lo/stacey-grimes-554943)** (NMLS 554943), CrossCountry Mortgage, Panama City, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 34 years of experience (lender page, 2026-10-09) 13. **[Josh Patrick](https://lendb.ai/lo/josh-patrick-667835)** (NMLS 667835), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 14. **[Dustin Swigart](https://lendb.ai/lo/dustin-swigart-681479)** (NMLS 681479), CrossCountry Mortgage, Tampa, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 15. **[Kate Redman](https://lendb.ai/lo/kathleen-redman-880676)** (NMLS 880676), CrossCountry Mortgage, Evans, GA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 16. **[Jared Paul](https://lendb.ai/lo/jared-paul-974114)** (NMLS 974114), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 17. **[Sarena Talbert](https://lendb.ai/lo/sarena-talbert-1043739)** (NMLS 1043739), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 18. **[Kristina Hayes](https://lendb.ai/lo/kristina-hayes-1057175)** (NMLS 1057175), Churchill Mortgage, Irvine, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 35 years of experience (lender page, 2026-10-09) 19. **[Steve Klarman](https://lendb.ai/lo/steven-klarman-1559209)** (NMLS 1559209), CrossCountry Mortgage, Aiken, SC - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL 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) 20. **[Jerry Sundt](https://lendb.ai/lo/gerald-sundt-168111)** (NMLS 168111), CrossCountry Mortgage, Tucson, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) 21. **[Jeffrey Aronheim](https://lendb.ai/lo/jeffrey-aronheim-235233)** (NMLS 235233), CrossCountry Mortgage, Greenwood Village, CO - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) 22. **[Soraya Torres](https://lendb.ai/lo/soraya-torres-1568980)** (NMLS 1568980), CrossCountry Mortgage, Duluth, GA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 23. **[Charles Oliver](https://lendb.ai/lo/charles-oliver-175312)** (NMLS 175312), CrossCountry Mortgage, Delray Beach, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 24. **[Michael Mizrahi](https://lendb.ai/lo/michael-mizrahi-188831)** (NMLS 188831), CrossCountry Mortgage, Delray Beach, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 25. **[Christina Bús](https://lendb.ai/lo/christina-bus-118777)** (NMLS 118777), Loan Factory - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## Questions to ask - Which non-QM investors do you work with? - Why does my situation need non-QM rather than an agency loan? - Is there a prepayment penalty, and can I refinance later? Cite as: LenDb.ai, https://lendb.ai/s/non-qm/alabama. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._