--- canonical_url: https://lendb.ai/s/non-qm/michigan last_verified: 2026-10-11 --- # Non-QM loan officers in Michigan As of 2026-10-11, LenDb lists 58 loan officers licensed in or based in Michigan whose lender pages show Non-QM loan work. The top-ranked are Joe Magallanes (CrossCountry Mortgage, Newport Beach), Eric Gasper (CrossCountry Mortgage, Mineola) and Chad Emerson (CMG Home Loans, Shavano Park). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 5, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 2. **[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) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 22, 2010 (Colorado), per state regulator 3. **[Chad Emerson](https://lendb.ai/lo/chad-emerson-232133)** (NMLS 232133), CMG Home Loans, Shavano Park, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-11) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 23, 2023 (Florida), per state regulator - States 27 years of experience (lender page, 2026-10-11) 4. **[Archie E. Vetter](https://lendb.ai/lo/archie-vetter-203614)** (NMLS 203614), Neighborhood Loans - Lists Non-QM loan on lender page (lender page, verified 2026-10-10) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 13, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-10) 5. **[Jon Novetske](https://lendb.ai/lo/jon-novetske-580793)** (NMLS 580793), CrossCountry Mortgage, Ann Arbor, MI - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Ann Arbor, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 18 years of experience (lender page, 2026-10-09) 6. **[Traci Anderson](https://lendb.ai/lo/traci-anderson-178289)** (NMLS 178289), CrossCountry Mortgage, Plymouth, MI - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Plymouth, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 17 years of experience (lender page, 2026-10-09) 7. **[Jamie Derringer](https://lendb.ai/lo/jameson-derringer-1399263)** (NMLS 1399263), CrossCountry Mortgage, Ann Arbor, MI - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Ann Arbor, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 28, 2025 (Florida), per state regulator 8. **[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) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 1, 2020 (Colorado), per state regulator 9. **[Roland Gomez](https://lendb.ai/lo/roland-gomez-133724)** (NMLS 133724), CrossCountry Mortgage, Orland Park, IL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 14, 2013 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 10. **[Chad Fallis](https://lendb.ai/lo/chad-fallis-292827)** (NMLS 292827), CrossCountry Mortgage, Carmel, IN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 12, 2019 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-09) 11. **[Josh Patrick](https://lendb.ai/lo/josh-patrick-667835)** (NMLS 667835), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 16, 2021 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-09) 12. **[Jared Paul](https://lendb.ai/lo/jared-paul-974114)** (NMLS 974114), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 11, 2018 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-09) 13. **[Sarena Talbert](https://lendb.ai/lo/sarena-talbert-1043739)** (NMLS 1043739), CrossCountry Mortgage, Newport Beach, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 4, 2023 (Florida), per state regulator - States 28 years of experience (lender page, 2026-10-09) 14. **[Kristina Hayes](https://lendb.ai/lo/kristina-hayes-1057175)** (NMLS 1057175), Churchill Mortgage, Irvine, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 12, 2013 (Colorado), per state regulator - States 35 years of experience (lender page, 2026-10-09) 15. **[Jennifer Lehman](https://lendb.ai/lo/jennifer-lehman-1588449)** (NMLS 1588449), CrossCountry Mortgage, Mishawaka, IN - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 16. **[Jerry Sundt](https://lendb.ai/lo/gerald-sundt-168111)** (NMLS 168111), CrossCountry Mortgage, Tucson, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 14, 2007 (Colorado), per state regulator 17. **[Jeffrey Aronheim](https://lendb.ai/lo/jeffrey-aronheim-235233)** (NMLS 235233), CrossCountry Mortgage, Greenwood Village, CO - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 9, 2007 (Colorado), per state regulator 18. **[Saran Mandhadapu](https://lendb.ai/lo/saran-mandhadapu-2417126)** (NMLS 2417126), Loan Factory - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 19, 2022 (Florida), per state regulator 19. **[Charles Oliver](https://lendb.ai/lo/charles-oliver-175312)** (NMLS 175312), CrossCountry Mortgage, Delray Beach, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 11, 2015 (Florida), per state regulator - States 17 years of experience (lender page, 2026-10-09) 20. **[Michael Mizrahi](https://lendb.ai/lo/michael-mizrahi-188831)** (NMLS 188831), CrossCountry Mortgage, Delray Beach, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 22, 2010 (Florida), per state regulator 21. **[Steve Furdock](https://lendb.ai/lo/steve-furdock-376017)** (NMLS 376017), Lit Financial Corporation - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 7, 2011 (Florida), per state regulator 22. **[Susan Heren](https://lendb.ai/lo/susan-heren-1029249)** (NMLS 1029249), CrossCountry Mortgage, Ann Arbor, MI - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Ann Arbor, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 27, 2019 (Florida), per state regulator 23. **[Maggie Mikaitis](https://lendb.ai/lo/maggie-mikaitis-1395394)** (NMLS 1395394), CrossCountry Mortgage, Chicago, IL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 1, 2018 (Florida), per state regulator - States 13 years of experience (lender page, 2026-10-09) 24. **[Dan Gjeldum](https://lendb.ai/lo/daniel-gjeldum-686529)** (NMLS 686529), CrossCountry Mortgage, Hinsdale, IL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 24, 2014 (Florida), per state regulator 25. **[Sarah Wendell](https://lendb.ai/lo/sarah-wendell-1237843)** (NMLS 1237843), Lit Financial Corporation - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 22, 2014 (Florida), per state regulator - States 12 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/michigan. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._