--- canonical_url: https://lendb.ai/s/non-qm/florida last_verified: 2026-10-09 --- # Non-QM loan officers in Florida As of 2026-10-09, LenDb lists 56 loan officers licensed in or based in Florida whose lender pages show Non-QM loan work. The top-ranked are Tammy Frith (CrossCountry Mortgage, Destin), Nick Redhead (Embrace Home Loans, Pensacola) and Charles Figueroa (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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) - Office in Destin, FL - Licensed in FL: confirmed with the Florida regulator (license LO48971), verified 2026-10-09 - 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) - Office in Pensacola, FL - Licensed in FL: confirmed with the Florida regulator (license LO93226), verified 2026-10-09 - Licensed since 2021 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 3. **[Charles Figueroa](https://lendb.ai/lo/charles-figueroa-815948)** (NMLS 815948), Loan Factory, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Florida - Licensed in FL: confirmed with the Florida regulator (license LO57738), verified 2026-10-09 - Licensed since 2018 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[Rebecca Molnar](https://lendb.ai/lo/rebecca-molnar-185523)** (NMLS 185523), CrossCountry Mortgage, Sarasota, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Sarasota, FL - Licensed in FL: confirmed with the Florida regulator (license LO149464), verified 2026-10-09 - Licensed since 2026 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 5. **[Edwin Santiago](https://lendb.ai/lo/edwin-santiago-133618)** (NMLS 133618), CrossCountry Mortgage, Wayne, PA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO53687), verified 2026-10-09 - Licensed since 2013 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 6. **[Richard Staley](https://lendb.ai/lo/richard-staley-185131)** (NMLS 185131), CrossCountry Mortgage, Alpharetta, GA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO26883), verified 2026-10-09 - Licensed since 2014 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 7. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO122694), verified 2026-10-09 - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 8. **[Alina Burke](https://lendb.ai/lo/alina-burke-509630)** (NMLS 509630), Success Mortgage Partners, Portland, ME - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO117890), verified 2026-10-09 - Licensed since 2023 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 9. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO82138), verified 2026-10-09 - Licensed since 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 10. **[Eric LaVecchia](https://lendb.ai/lo/eric-lavecchia-995264)** (NMLS 995264), CrossCountry Mortgage, Moorestown, NJ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO88095), verified 2026-10-09 - Licensed since 2021 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 11. **[Bobby Luu](https://lendb.ai/lo/hong-luu-185192)** (NMLS 185192), American Pacific Mortgage, Reston, VA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO115512), verified 2026-10-09 - Licensed since 2022 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 12. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO136170), verified 2026-10-09 - Licensed since 2025 (per Florida records) - States 33 years of experience (lender page, 2026-10-09) 13. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO15401), verified 2026-10-09 - Licensed since 2010 (per Colorado records) 14. **[Margie Wilderotter](https://lendb.ai/lo/margaret-wilderotter-177439)** (NMLS 177439), CrossCountry Mortgage, White Plains, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO115447), verified 2026-10-09 - Licensed since 2022 (per Florida records) - States 34 years of experience (lender page, 2026-10-09) 15. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO8507), verified 2026-10-09 - Licensed since 2011 (per Florida records) 16. **[Jake Healy](https://lendb.ai/lo/john-healy-1028904)** (NMLS 1028904), CrossCountry Mortgage, Delray Beach, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Delray Beach, FL - Licensed in FL: confirmed with the Florida regulator (license LO43039), verified 2026-10-09 - Licensed since 2017 (per Florida records) 17. **[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) - Office in Destin, FL - Licensed in FL: confirmed with the Florida regulator (license LO49748), verified 2026-10-09 - Licensed since 2018 (per Florida records) 18. **[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) - Office in Naples, FL - Licensed in FL: confirmed with the Florida regulator (license LO43566), verified 2026-10-09 - Licensed since 2017 (per Florida records) - States 38 years of experience (lender page, 2026-10-09) 19. **[Rob Kaiser](https://lendb.ai/lo/robert-kaiser-146468)** (NMLS 146468), CrossCountry Mortgage, Sarasota, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Sarasota, FL - Licensed in FL: confirmed with the Florida regulator (license LO140718), verified 2026-10-09 - Licensed since 2025 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 20. **[Scott M Parker](https://lendb.ai/lo/scott-parker-302992)** (NMLS 302992), CrossCountry Mortgage, Winter Park, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Winter Park, FL - Licensed in FL: confirmed with the Florida regulator (license LO6135), verified 2026-10-09 - Licensed since 2011 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 21. **[Janice Allen](https://lendb.ai/lo/janice-allen-432394)** (NMLS 432394), CrossCountry Mortgage, St. Petersburg, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in St. Petersburg, FL - Licensed in FL: confirmed with the Florida regulator (license LO46852), verified 2026-10-09 - Licensed since 2017 (per Florida records) - States 43 years of experience (lender page, 2026-10-09) 22. **[Barbara Hale](https://lendb.ai/lo/barbara-hale-432409)** (NMLS 432409), CrossCountry Mortgage, Tampa, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Tampa, FL - Licensed in FL: confirmed with the Florida regulator (license LO25641), verified 2026-10-09 - Licensed since 2014 (per Florida records) - States 29 years of experience (lender page, 2026-10-09) 23. **[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) - Office in Panama City, FL - Licensed in FL: confirmed with the Florida regulator (license LO51399), verified 2026-10-09 - Licensed since 2018 (per Florida records) - States 34 years of experience (lender page, 2026-10-09) 24. **[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) - Office in Tampa, FL - Licensed in FL: confirmed with the Florida regulator (license LO144228), verified 2026-10-09 - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 25. **[Joni Utnage](https://lendb.ai/lo/joni-utnage-689931)** (NMLS 689931), CrossCountry Mortgage, Naples, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Naples, FL - Licensed in FL: confirmed with the Florida regulator (license LO94548), verified 2026-10-09 - Licensed since 2021 (per Florida records) - States 20 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/florida. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._