Loan programs · Florida
Non-QM loan officers in Florida
As of 2026-10-09, LenDb lists 80 loan officers licensed in or based in Florida whose lender pages show Non-QM loan work. The top-ranked are John Nguyen (Guild Mortgage, Boca Raton), Vincent Rodriguez (CrossCountry Mortgage, Coral Springs) and Jake Healy (CrossCountry Mortgage, Delray Beach). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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
John NguyenNMLS 389742
Guild Mortgage · Boca Raton, FL · licensed in 21 states
- Non-QM loan
- 1099 income
- Bank statement loan
- DSCR loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 2
Vincent RodriguezNMLS 325209
CrossCountry Mortgage · Coral Springs, FL
- Non-QM loan
- FHA loan
- Jumbo loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 14 years licensed
- 3
Jake HealyNMLS 1028904
CrossCountry Mortgage · Delray Beach, FL
- Non-QM loan
- FHA loan
- First-time buyer
- HELOC
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 13 years licensed
- 4
Moises AlvarezNMLS 267908
Embrace Home Loans · Tampa, FL
- Non-QM loan
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 10 years licensed
- 5
Jacob KuzmanNMLS 373644
LeaderOne Financial · Winter Park, FL · licensed in 6 states
- Non-QM loan
- Construction loan
- First-time buyer
- HELOC
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 14 years licensed
- 6
Steve ButeraNMLS 222435
Loan Factory · Delray Beach, FL
- Non-QM loan
- FHA loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 7
Jose Antonio ManriqueNMLS 1456209
Loan Factory · Florida
- Non-QM loan
- Bank statement loan
- DSCR loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 10 years licensed
- 8
Tammy FrithNMLS 190264
CrossCountry Mortgage · Destin, FL · licensed in 5 states
- Non-QM loan
- Condo
- Jumbo loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 8 years licensed
- 9
Sean FrithNMLS 1090092
CrossCountry Mortgage · Destin, FL · licensed in 6 states
- Non-QM loan
- Condo
- Jumbo loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 8 years licensed
- 10
Sundi EngleNMLS 1385043
Embrace Home Loans · Tampa, FL · licensed in 3 states
- Non-QM loan
- FHA loan
- Jumbo loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 10 years licensed
- 11
Richard StaleyNMLS 185131
CrossCountry Mortgage · Alpharetta, GA · licensed in 2 states
- Non-QM loan
- Jumbo loan
- HELOC
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 12
Nick RedheadNMLS 594824
Embrace Home Loans · Tampa, FL · licensed in 5 states
- Non-QM loan
- Real estate investor
- Reverse mortgage
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 5 years licensed
- 13
Charles FigueroaNMLS 815948
Loan Factory · Florida
- Non-QM loan
- FHA loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 7 years licensed
- 14
Eric GasperNMLS 175852
CrossCountry Mortgage · Mineola, NY
- Non-QM loan
- 1099 income
- Asset-based qualifying
- Bank statement loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 15
Jorge MedinaNMLS 2107817
Guild Mortgage · Port St Lucie, FL
- Non-QM loan
- FHA loan
- First-time buyer
- New construction
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 5 years licensed
- 16
Robert TaylorNMLS 132188
First Home Mortgage · Baltimore, MD · licensed in 7 states
- Non-QM loan
- FHA loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 17
Christian DiMaggio ReyesNMLS 2182633
Loan Factory · Tampa, FL
- Non-QM loan
- Asset-based qualifying
- Bank statement loan
- DSCR loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 5 years licensed
- 18
Don Laurentio DovinhNMLS 2246098
Guild Mortgage · Boca Raton, FL
- Non-QM loan
- Down payment assistance
- Jumbo loan
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 3 years licensed
- 19
Edwin SantiagoNMLS 133618
Fairway Independent Mortgage Corporation · Wayne, PA · licensed in 17 states
- Non-QM loan
- First-time buyer
- Down payment assistance
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 20
Euler PeredaNMLS 1969026
Loan Factory · Pasco County, FL
- Non-QM loan
- DSCR loan
- Real estate investor
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 4 years licensed
- 21
Quinn BarnettNMLS 2242753
CrossCountry Mortgage · Ponte Vedra Beach, FL
- Non-QM loan
- First-time buyer
- Real estate investor
- Down payment assistance
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 3 years licensed
- 22
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- Non-QM loan
- FHA loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 23
Shawn PetersonNMLS 2150396
CrossCountry Mortgage · Ponte Vedra Beach, FL
- Non-QM loan
- Down payment assistance
- USDA loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 2 years licensed
- 24
Sandro CazellaNMLS 2722248
CrossCountry Mortgage · Deerfield Beach, FL
- Non-QM loan
- DSCR loan
- FHA loan
- Foreign national
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 0 years licensed
- 25
Rebecca MolnarNMLS 185523
CrossCountry Mortgage · Sarasota, FL
- Non-QM loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 0 years licensed
Before you choose
Every non-QM lender has its own guidelines and pricing, so the loan officer's investor relationships matter.
- 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?
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 FL 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=non-qm&state=FL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.