--- canonical_url: https://lendb.ai/s/non-qm/california last_verified: 2026-10-09 --- # Non-QM loan officers in California As of 2026-10-09, LenDb lists 149 loan officers licensed in or based in California whose lender pages show Non-QM loan work. The top-ranked are Cyndi Natalie Nunez (Guild Mortgage, Santa Maria), Joe Magallanes (CrossCountry Mortgage, Newport Beach) and Kathy Cole (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Cyndi Natalie Nunez](https://lendb.ai/lo/cyndi-nunez-255666)** (NMLS 255666), Guild Mortgage, Santa Maria, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Santa Maria, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 40 years of experience (lender page, 2026-10-09) 2. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Newport Beach, CA - CA 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) 3. **[Kathy Cole](https://lendb.ai/lo/kathy-cole-1116055)** (NMLS 1116055), Loan Factory, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 39 years of experience (lender page, 2026-10-09) 4. **[Steve Lee](https://lendb.ai/lo/steve-lee-272302)** (NMLS 272302), CrossCountry Mortgage, Henderson, NV - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 5. **[James Perfilio](https://lendb.ai/lo/jamie-perfilio-945664)** (NMLS 945664), Churchill Mortgage, Brentwood, TN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - CA 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) 6. **[Keith Allen](https://lendb.ai/lo/keith-allen-198190)** (NMLS 198190), Loan Factory - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 33 years of experience (lender page, 2026-10-09) 7. **[Eric Gasper](https://lendb.ai/lo/eric-gasper-175852)** (NMLS 175852), CrossCountry Mortgage, Mineola, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Colorado records) 8. **[Scott Hazard](https://lendb.ai/lo/scott-hazard-30883)** (NMLS 30883), Embrace Home Loans, Jamestown, RI - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 9. **[Charles Toll](https://lendb.ai/lo/charles-toll-1783114)** (NMLS 1783114), CrossCountry Mortgage, San Juan Capistrano, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in San Juan Capistrano, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 10. **[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) - Office in San Gabriel, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 11. **[Blayney White](https://lendb.ai/lo/blayney-white-239189)** (NMLS 239189), CrossCountry Mortgage, Petaluma, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Petaluma, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 12. **[Steven Maizes](https://lendb.ai/lo/steven-maizes-250590)** (NMLS 250590), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Newport Beach, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 13. **[Robert Saberi](https://lendb.ai/lo/robert-saberi-377663)** (NMLS 377663), CrossCountry Mortgage, Benicia, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Benicia, CA - CA 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) 14. **[Wendy Russell](https://lendb.ai/lo/wendy-russell-390282)** (NMLS 390282), CrossCountry Mortgage, Ventura, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Ventura, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 37 years of experience (lender page, 2026-10-09) 15. **[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) - Office in Newport Beach, CA - CA 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) 16. **[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) - Office in Newport Beach, CA - CA 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) 17. **[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) - Office in Irvine, CA - CA 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) 18. **[Brian Sciutto](https://lendb.ai/lo/brian-sciutto-240192)** (NMLS 240192), CrossCountry Mortgage, San Diego, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Ali Ghaziani](https://lendb.ai/lo/ali-ghaziani-300913)** (NMLS 300913), CrossCountry Mortgage, Walnut Creek, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Walnut Creek, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Khadija Mirza](https://lendb.ai/lo/khadija-mirza-398414)** (NMLS 398414), CrossCountry Mortgage, Walnut Creek, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Walnut Creek, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Irini Lulu](https://lendb.ai/lo/irini-ronen-lulu-482084)** (NMLS 482084), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - CA 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) 22. **[Nadia Raknai](https://lendb.ai/lo/nadia-raknai-484350)** (NMLS 484350), CrossCountry Mortgage, Seattle, WA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 23. **[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) - CA 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) 24. **[Billy McElroy](https://lendb.ai/lo/william-mcelroy-48244)** (NMLS 48244), CrossCountry Mortgage, Sewell, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - CA 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) 25. **[Glenn Grant](https://lendb.ai/lo/glenn-grant-117776)** (NMLS 117776), CrossCountry Mortgage, Naples, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 38 years of experience (lender page, 2026-10-09) ## 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/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._