---
canonical_url: https://lendb.ai/s/non-qm/pennsylvania
last_verified: 2026-10-11
---

# Non-QM loan officers in Pennsylvania

As of 2026-10-11, LenDb lists 37 loan officers licensed in or based in Pennsylvania whose lender pages show Non-QM loan work. The top-ranked are William Lee Underwood (Loan Factory), Eric Gasper (CrossCountry Mortgage, Mineola) and Margie Wilderotter (CrossCountry Mortgage, White Plains). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 54351), verified 2026-10-10
   - States 40 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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 73741), verified 2026-10-10
   - Earliest state license record: November 22, 2010 (Colorado), per state regulator
3. **[Margie Wilderotter](https://lendb.ai/lo/margaret-wilderotter-177439)** (NMLS 177439), CrossCountry Mortgage, White Plains, NY
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 102719), verified 2026-10-10
   - Earliest state license record: November 28, 2022 (Florida), per state regulator
   - States 34 years of experience (lender page, 2026-10-09)
4. **[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)
   - PA 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)
5. **[Bobby Luu](https://lendb.ai/lo/hong-luu-185192)** (NMLS 185192), American Pacific Mortgage, Reston, VA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: November 30, 2022 (Florida), per state regulator
   - States 25 years of experience (lender page, 2026-10-09)
6. **[Irini Lulu](https://lendb.ai/lo/irini-ronen-lulu-482084)** (NMLS 482084), CrossCountry Mortgage, Plymouth Meeting, PA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Office in Plymouth Meeting, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 52318), verified 2026-10-10
   - Earliest state license record: January 28, 2019 (Florida), per state regulator
   - States 25 years of experience (lender page, 2026-10-09)
7. **[Adam Missry](https://lendb.ai/lo/adam-missry-182738)** (NMLS 182738), CMG Home Loans, Brooklyn, NY
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-11)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 20 years of experience (lender page, 2026-10-11)
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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 115308), verified 2026-10-10
   - Earliest state license record: June 1, 2020 (Colorado), per state regulator
9. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 90216), verified 2026-10-10
   - Earliest state license record: November 24, 2021 (Florida), per state regulator
10. **[Victoria Kammer](https://lendb.ai/lo/victoria-kammer-414039)** (NMLS 414039), CrossCountry Mortgage, Plymouth Meeting, PA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Office in Plymouth Meeting, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 49222), verified 2026-10-10
   - Earliest state license record: February 6, 2024 (Florida), per state regulator
   - States 15 years of experience (lender page, 2026-10-09)
11. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Office in Allentown, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 61017), verified 2026-10-10
   - Earliest state license record: January 27, 2021 (Florida), per state regulator
   - States 15 years of experience (lender page, 2026-10-09)
12. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 99210), verified 2026-10-10
   - Earliest state license record: January 15, 2020 (Florida), per state regulator
   - States 22 years of experience (lender page, 2026-10-09)
13. **[Billy McElroy](https://lendb.ai/lo/william-mcelroy-48244)** (NMLS 48244), CrossCountry Mortgage, Sewell, NJ
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 54441), verified 2026-10-10
   - Earliest state license record: June 3, 2021 (Florida), per state regulator
   - States 25 years of experience (lender page, 2026-10-09)
14. **[Chris Winzig](https://lendb.ai/lo/christopher-winzig-113169)** (NMLS 113169), CrossCountry Mortgage, Fairfield, CT
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 75598), verified 2026-10-10
   - Earliest state license record: July 6, 2016 (Florida), per state regulator
   - States 30 years of experience (lender page, 2026-10-09)
15. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 27321), verified 2026-10-10
   - Earliest state license record: August 21, 2025 (Florida), per state regulator
   - States 22 years of experience (lender page, 2026-10-09)
16. **[Nicole Perrone](https://lendb.ai/lo/nicole-perrone-235881)** (NMLS 235881), CrossCountry Mortgage, Union, NJ
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 119047), verified 2026-10-10
   - Earliest state license record: January 25, 2024 (Florida), per state regulator
   - States 30 years of experience (lender page, 2026-10-09)
17. **[Ubaldo V Leon III](https://lendb.ai/lo/ubaldo-leon-304012)** (NMLS 304012), CrossCountry Mortgage, Lewisville, TX
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 102475), verified 2026-10-10
   - Earliest state license record: May 17, 2023 (Florida), per state regulator
   - States 22 years of experience (lender page, 2026-10-09)
18. **[Kevin Giza](https://lendb.ai/lo/kevin-giza-436859)** (NMLS 436859), CrossCountry Mortgage, Pittsburgh, PA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Office in Pittsburgh, PA
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: June 27, 2021 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
19. **[Tammy O'Scanlon](https://lendb.ai/lo/tammy-o-scanlon-453163)** (NMLS 453163), CrossCountry Mortgage, Union, NJ
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 108890), verified 2026-10-10
   - Earliest state license record: February 22, 2024 (Florida), per state regulator
   - States 30 years of experience (lender page, 2026-10-09)
20. **[Nick Sandoval](https://lendb.ai/lo/nicolas-sandoval-858085)** (NMLS 858085), CrossCountry Mortgage, Plymouth Meeting, PA
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Office in Plymouth Meeting, PA
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: March 2, 2016 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
21. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 105460), verified 2026-10-10
   - Earliest state license record: September 11, 2018 (Colorado), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
22. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 106995), verified 2026-10-10
   - Earliest state license record: December 4, 2023 (Florida), per state regulator
   - States 28 years of experience (lender page, 2026-10-09)
23. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 70517), verified 2026-10-10
   - Earliest state license record: September 12, 2013 (Colorado), per state regulator
   - States 35 years of experience (lender page, 2026-10-09)
24. **[Michael Hamilton](https://lendb.ai/lo/michael-hamilton-2237575)** (NMLS 2237575), CrossCountry Mortgage, Niles, OH
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 92840), verified 2026-10-10
   - Earliest state license record: February 2, 2022 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
25. **[Andrea Pasco](https://lendb.ai/lo/andrea-pasco-2474115)** (NMLS 2474115), CrossCountry Mortgage, Monkton, MD
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 104072), verified 2026-10-10
   - Earliest state license record: December 26, 2024 (Florida), per state regulator
   - States 27 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/pennsylvania.

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