---
canonical_url: https://lendb.ai/s/non-qm/mississippi
last_verified: 2026-10-09
---

# Non-QM loan officers in Mississippi

As of 2026-10-09, LenDb lists 15 loan officers licensed in or based in Mississippi whose lender pages show Non-QM loan work. The top-ranked are Dustin Swigart (CrossCountry Mortgage, Tampa), Candace Cagle (CrossCountry Mortgage, Houston) and Sarena Talbert (CrossCountry Mortgage, Newport Beach). Ranking is lender-neutral: specialty evidence first, then a license in MS, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[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)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: January 16, 2026 (Florida), per state regulator
   - States 25 years of experience (lender page, 2026-10-09)
2. **[Candace Cagle](https://lendb.ai/lo/candace-cagle-878436)** (NMLS 878436), CrossCountry Mortgage, Houston, TX
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 20 years of experience (lender page, 2026-10-09)
3. **[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)
   - MS 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)
4. **[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)
   - MS 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
5. **[Cissy Bacon](https://lendb.ai/lo/cecilia-bacon-36702)** (NMLS 36702), CrossCountry Mortgage, Mobile, AL
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: November 30, 2010 (Florida), per state regulator
6. **[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)
   - MS 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)
7. **[Tim Smith](https://lendb.ai/lo/tim-smith-104578)** (NMLS 104578), CrossCountry Mortgage, Memphis, TN
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: July 25, 2018 (Florida), per state regulator
8. **[Steve Currington](https://lendb.ai/lo/stephen-currington-203687)** (NMLS 203687), CrossCountry Mortgage, Tulsa, OK
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: January 30, 2018 (Colorado), per state regulator
9. **[Kathy Johnson](https://lendb.ai/lo/kathy-johnson-1402120)** (NMLS 1402120), CrossCountry Mortgage, Houston, TX
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: March 23, 2018 (Florida), per state regulator
10. **[Ron Kuhn](https://lendb.ai/lo/ronald-kuhn-208163)** (NMLS 208163), CrossCountry Mortgage, Tempe, AZ
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: June 11, 2020 (Florida), per state regulator
11. **[Jonathan Salinas](https://lendb.ai/lo/jonathan-salinas-2451140)** (NMLS 2451140), CrossCountry Mortgage, Memphis, TN
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: February 13, 2023 (Florida), per state regulator
12. **[Christopher Fouts](https://lendb.ai/lo/christopher-fouts-1919114)** (NMLS 1919114), CrossCountry Mortgage, San Antonio, TX
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: June 15, 2023 (Florida), per state regulator
13. **[Ryan Liebowitz](https://lendb.ai/lo/ryan-liebowitz-1877208)** (NMLS 1877208), CrossCountry Mortgage, Bethlehem, GA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: May 8, 2024 (Florida), per state regulator
14. **[Ryan McGran](https://lendb.ai/lo/ryan-mcgran-2520487)** (NMLS 2520487), Lit Financial Corporation
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: September 20, 2023 (Colorado), per state regulator
15. **[Shawna Talley](https://lendb.ai/lo/shawna-talley-1200909)** (NMLS 1200909), CrossCountry Mortgage, Lynnwood, WA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: February 25, 2025 (Florida), per state regulator

## 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/mississippi.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._