--- canonical_url: https://lendb.ai/s/non-qm/new-mexico last_verified: 2026-10-09 --- # Non-QM loan officers in New Mexico As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in New Mexico whose lender pages show Non-QM loan work. The top-ranked are Joe Magallanes (CrossCountry Mortgage, Newport Beach), Charles Toll (CrossCountry Mortgage, San Juan Capistrano) and Patrick Stoy (CrossCountry Mortgage, Wilmington). Ranking is lender-neutral: specialty evidence first, then a license in NM, 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) - NM 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) 2. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 3. **[Patrick Stoy](https://lendb.ai/lo/patrick-stoy-39527)** (NMLS 39527), CrossCountry Mortgage, Wilmington, NC - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 4. **[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) - NM 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) 5. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 6. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 7. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 8. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) 9. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) 10. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 11. **[Brent Schreurs](https://lendb.ai/lo/brent-schreurs-212462)** (NMLS 212462), CrossCountry Mortgage, Tequesta, FL - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 12. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 13 years of experience (lender page, 2026-10-09) 13. **[Tony Bardawil](https://lendb.ai/lo/antonio-bardawil-1638874)** (NMLS 1638874), CrossCountry Mortgage, Cleveland, OH - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 14. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 15. **[Lance Dickson](https://lendb.ai/lo/lance-dickson-48279)** (NMLS 48279), CrossCountry Mortgage, Tucson, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 16. **[Chris Maxwell](https://lendb.ai/lo/christopher-maxwell-1703127)** (NMLS 1703127), CrossCountry Mortgage, Albuquerque, NM - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Albuquerque, NM - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 17. **[Mike Cook](https://lendb.ai/lo/michael-cook-232248)** (NMLS 232248), CrossCountry Mortgage, San Diego, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 18. **[Dillon Dambly](https://lendb.ai/lo/dillon-dambly-1665289)** (NMLS 1665289), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 19. **[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) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 20. **[Kristin Sica](https://lendb.ai/lo/kristin-sica-2002456)** (NMLS 2002456), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 3 years of experience (lender page, 2026-10-09) 21. **[Nathan Wolff](https://lendb.ai/lo/nathan-wolff-2359346)** (NMLS 2359346), CrossCountry Mortgage, Scottsdale, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) 22. **[Beatriz Villalobos](https://lendb.ai/lo/beatriz-villalobos-2175864)** (NMLS 2175864), CrossCountry Mortgage, Sierra Vista, AZ - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Casey Clayton](https://lendb.ai/lo/casey-clayton-878866)** (NMLS 878866), CrossCountry Mortgage, Carlsbad, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[Nathan Stringfield](https://lendb.ai/lo/nathan-stringfield-377346)** (NMLS 377346), CrossCountry Mortgage, El Paso, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Tony Palumbo](https://lendb.ai/lo/tony-palumbo-855247)** (NMLS 855247), CrossCountry Mortgage, Houston, TX - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/new-mexico. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._