Loan programs · Michigan
Non-QM loan officers in Michigan
As of 2026-10-09, LenDb lists 64 loan officers licensed in or based in Michigan whose lender pages show Non-QM loan work. The top-ranked are Edwin Santiago (CrossCountry Mortgage, Wayne), Joe Magallanes (CrossCountry Mortgage, Newport Beach) and Eric Gasper (CrossCountry Mortgage, Mineola). Ranking is lender-neutral: specialty evidence first, then a license in MI, 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
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- Non-QM loan
- First-time buyer
- Down payment assistance
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- States 23 years of experience (lender page, 2026-10-09)
- 2
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- Self-employed
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Eric GasperNMLS 175852
CrossCountry Mortgage · Mineola, NY · licensed in 18 states
- Non-QM loan
- Real estate investor
- Self-employed
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2010 (per Colorado records)
- 4
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- Non-QM loan
- FHA loan
- VA loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- States 35 years of experience (lender page, 2026-10-09)
- 5
Jon NovetskeNMLS 580793
CrossCountry Mortgage · Ann Arbor, MI · licensed in 2 states
- Non-QM loan
- Down payment assistance
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Ann Arbor, MI
- States 18 years of experience (lender page, 2026-10-09)
- 6
Traci AndersonNMLS 178289
CrossCountry Mortgage · Plymouth, MI
- Non-QM loan
- Down payment assistance
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Plymouth, MI
- States 17 years of experience (lender page, 2026-10-09)
- 7
Jamie DerringerNMLS 1399263
CrossCountry Mortgage · Ann Arbor, MI · licensed in 3 states
- Non-QM loan
- Down payment assistance
- FHA loan
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Ann Arbor, MI
- Licensed since 2025 (per Florida records)
- 8
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- Non-QM loan
- Condo
- First-time buyer
- New construction
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Colorado records)
- 9
Roland GomezNMLS 133724
CrossCountry Mortgage · Orland Park, IL · licensed in 5 states
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Condo
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 10
Chad FallisNMLS 292827
CrossCountry Mortgage · Carmel, IN · licensed in 4 states
- Non-QM loan
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 11
Josh PatrickNMLS 667835
CrossCountry Mortgage · Newport Beach, CA · licensed in 18 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 12
Jared PaulNMLS 974114
CrossCountry Mortgage · Scottsdale, AZ · licensed in 21 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Colorado records)
- States 20 years of experience (lender page, 2026-10-09)
- 13
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Reverse mortgage
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 14
Jennifer LehmanNMLS 1588449
CrossCountry Mortgage · Mishawaka, IN · licensed in 2 states
- Non-QM loan
- Self-employed
- Down payment assistance
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 25 years of experience (lender page, 2026-10-09)
- 15
Jeffrey AronheimNMLS 235233
CrossCountry Mortgage · Greenwood Village, CO · licensed in 33 states
- Non-QM loan
- Construction loan
- Real estate investor
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2007 (per Colorado records)
- 16
Charles OliverNMLS 175312
CrossCountry Mortgage · Delray Beach, FL · licensed in 15 states
- Non-QM loan
- Down payment assistance
- HELOC
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 17
Timothy McGintyNMLS 1443050
LeaderOne Financial · Oak Brook, IL · licensed in 13 states
- Non-QM loan
- FHA loan
- Jumbo loan
- VA loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- 18
Michael MizrahiNMLS 188831
CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states
- Non-QM loan
- Jumbo loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2010 (per Florida records)
- 19
Steve FurdockNMLS 376017
Lit Financial Corporation · licensed in 12 states
- Non-QM loan
- Bank statement loan
- DSCR loan
- Jumbo loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- 20
Susan HerenNMLS 1029249
CrossCountry Mortgage · Ann Arbor, MI · licensed in 13 states
- Non-QM loan
- Jumbo loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Ann Arbor, MI
- Licensed since 2019 (per Florida records)
- 21
Maggie MikaitisNMLS 1395394
CrossCountry Mortgage · Chicago, IL · licensed in 36 states
- Non-QM loan
- Condo
- Real estate investor
- Jumbo loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 13 years of experience (lender page, 2026-10-09)
- 22
Dan GjeldumNMLS 686529
CrossCountry Mortgage · Hinsdale, IL · licensed in 43 states
- Non-QM loan
- Jumbo loan
- VA loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Florida records)
- 23
Sarah WendellNMLS 1237843
- Non-QM loan
- Bank statement loan
- Condo
- DSCR loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Florida records)
- States 12 years of experience (lender page, 2026-10-09)
- 24
Jimmy WebberNMLS 1277615
LeaderOne Financial · Oak Brook, IL · licensed in 11 states
- Non-QM loan
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Florida records)
- 25
Denise McManusNMLS 1982222
Xpert Home Lending · Mortgage broker · licensed in 5 states
- Non-QM loan
- Real estate investor
- Self-employed
- Asset-based qualifying
- MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
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 are listed when a MI license is confirmed with the state regulator (check mark), MI is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=non-qm&state=MI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.