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Loan programs · Georgia

Non-QM loan officers in Georgia

As of 2026-10-09, LenDb lists 122 loan officers licensed in or based in Georgia whose lender pages show Non-QM loan work. The top-ranked are Richard Staley (CrossCountry Mortgage, Alpharetta), Edwin Santiago (CrossCountry Mortgage, Wayne) and Jake Healy (CrossCountry Mortgage, Delray Beach). Ranking is lender-neutral: specialty evidence first, then a license in GA, 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. 1

    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 GA (listed on lender page, verified 2026-10-09)
    • Branch in Georgia
    • 15 years licensed
  2. 2

    Edwin SantiagoNMLS 133618

    CrossCountry Mortgage · Wayne, PA · licensed in 23 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 GA (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Jake HealyNMLS 1028904

    CrossCountry Mortgage · Delray Beach, FL · licensed in 7 states

    • Non-QM loan
    • First-time buyer
    • HELOC
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • 13 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Soraya TorresNMLS 1568980

    CrossCountry Mortgage · Duluth, GA · licensed in 3 states

    • Non-QM loan
    • Real estate investor
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • Branch in Georgia
    • 4 years licensed
  5. 5

    Sandra SmithNMLS 200651

    CrossCountry Mortgage · Alpharetta, GA · licensed in 7 states

    • Non-QM loan
    • Jumbo loan
    • FHA loan
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • Branch in Georgia
    • 15 years licensed
  6. 6

    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 GA (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    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 GA (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    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 GA (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Joe MagallanesNMLS 491678

    CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states

    • Non-QM loan
    • Jumbo loan
    • Real estate investor
    • Self-employed
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    William Lee UnderwoodNMLS 1423725

    Loan Factory · Mortgage broker · licensed in 4 states

    • Non-QM loan
    • Real estate investor
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • 40 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  11. 11

    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 GA (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Rodney MasonNMLS 151088

    CrossCountry Mortgage · Atlanta, GA · licensed in 11 states

    • Non-QM loan
    • Down payment assistance
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • Branch in Georgia
    • 9 years licensed
  13. 13

    Karen ChiuNMLS 611778

    CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states

    • Non-QM loan
    • Condo
    • First-time buyer
    • New construction
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    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 GA (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Bryan YoungNMLS 1504425

    LeaderOne Financial · Oak Brook, IL · licensed in 4 states

    • Non-QM loan
    • FHA loan
    • HELOC
    • Jumbo loan
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Lori RousseauNMLS 506634

    CrossCountry Mortgage · Alpharetta, GA · licensed in 6 states

    • Non-QM loan
    • Condo
    • Jumbo loan
    • VA loan
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • Branch in Georgia
    • 9 years licensed
  17. 17

    Brandon ParkerNMLS 1068831

    CrossCountry Mortgage · Acworth, GA · licensed in 10 states

    • Non-QM loan
    • HELOC
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • Branch in Georgia
    • 9 years licensed
  18. 18

    Kate RedmanNMLS 880676

    CrossCountry Mortgage · Evans, GA · licensed in 6 states

    • Non-QM loan
    • FHA loan
    • VA loan
    • Construction loan
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • Branch in Georgia
    • 7 years licensed
  19. 19

    Angie Gora VincentNMLS 103294

    CrossCountry Mortgage · Bethlehem, GA · licensed in 4 states

    • Non-QM loan
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • FHA loan
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • Branch in Georgia
    • 6 years licensed
  20. 20

    Robbie PittelmanNMLS 185966

    CrossCountry Mortgage · New Windsor, NY · licensed in 3 states

    • Non-QM loan
    • Self-employed
    • FHA loan
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • 27 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Trish NguyenNMLS 1430162

    CrossCountry Mortgage · Braintree, MA · licensed in 3 states

    • Non-QM loan
    • Condo
    • Down payment assistance
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  22. 22

    Justin ShawNMLS 1793184

    CrossCountry Mortgage · Alpharetta, GA · licensed in 5 states

    • Non-QM loan
    • Jumbo loan
    • First-time buyer
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • Branch in Georgia
    • 7 years licensed
  23. 23

    Michael MizrahiNMLS 188831

    CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states

    • Non-QM loan
    • Jumbo loan
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Patricia MiocicNMLS 1736087

    Xpert Home Lending · Mortgage broker · licensed in 6 states

    • Non-QM loan
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Julia HeadNMLS 1997701

    CrossCountry Mortgage · Alpharetta, GA · licensed in 4 states

    • Non-QM loan
    • Jumbo loan
    • First-time buyer
    • Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
    • Licensed in GA (listed on lender page, verified 2026-10-09)
    • Branch in Georgia
    • 5 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?

More about Non-QM loan

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 GA 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=GA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.