--- canonical_url: https://lendb.ai/s/non-qm/georgia last_verified: 2026-10-09 --- # Non-QM loan officers in Georgia As of 2026-10-09, LenDb lists 120 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), Tammy Frith (CrossCountry Mortgage, Destin) and Joe Magallanes (CrossCountry Mortgage, Newport Beach). Ranking is lender-neutral: specialty evidence first, then a license in GA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - Office in Alpharetta, GA - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 2. **[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) - GA 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) 3. **[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) - GA 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) 4. **[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) - GA 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) 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) - GA 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. **[William Lee Underwood](https://lendb.ai/lo/william-lee-underwood-1423725)** (NMLS 1423725), Loan Factory - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - GA 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) 7. **[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) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 8. **[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) - Office in Bethlehem, GA - GA 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) 9. **[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) - Office in Alpharetta, GA - GA 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) 10. **[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) - Office in Evans, GA - GA 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) 11. **[Terilyn Nicely](https://lendb.ai/lo/terilyn-nicely-973893)** (NMLS 973893), CrossCountry Mortgage, Kathleen, GA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Kathleen, GA - GA 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. **[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) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 13. **[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) - Office in Duluth, GA - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 14. **[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) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 15. **[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) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 16. **[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) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 17. **[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) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 18. **[Chris Drane](https://lendb.ai/lo/christopher-drane-19621)** (NMLS 19621), Guild Mortgage, Clarksville, IN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 19. **[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) - GA 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) 20. **[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) - GA 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) 21. **[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) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 22. **[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) - GA 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) 23. **[Robbie Pittelman](https://lendb.ai/lo/robbie-pittelman-185966)** (NMLS 185966), CrossCountry Mortgage, New Windsor, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 27 years of experience (lender page, 2026-10-09) 24. **[Jason Smith](https://lendb.ai/lo/jason-smith-210839)** (NMLS 210839), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 25. **[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) - GA 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) ## 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/georgia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._