--- canonical_url: https://lendb.ai/s/non-qm/rhode-island last_verified: 2026-10-10 --- # Non-QM loan officers in Rhode Island As of 2026-10-10, LenDb lists 18 loan officers licensed in or based in Rhode Island whose lender pages show Non-QM loan work. The top-ranked are Scott Hazard (Embrace Home Loans, Jamestown), David Frankel (AnnieMac Home Mortgage, Warwick) and Chad Goetz (CrossCountry Mortgage, Salem). Ranking is lender-neutral: specialty evidence first, then a license in RI, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Scott Hazard](https://lendb.ai/lo/scott-hazard-30883)** (NMLS 30883), Embrace Home Loans, Jamestown, RI - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - Office in Jamestown, RI - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 2. **[David Frankel](https://lendb.ai/lo/david-frankel-2113776)** (NMLS 2113776), AnnieMac Home Mortgage, Warwick, RI - Lists Non-QM loan on lender page (lender page, verified 2026-10-10) - Office in Warwick, RI - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 3. **[Chad Goetz](https://lendb.ai/lo/chad-goetz-5128)** (NMLS 5128), CrossCountry Mortgage, Salem, NH - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[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) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 5. **[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) - RI 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) 6. **[Barry Koven](https://lendb.ai/lo/barry-koven-404510)** (NMLS 404510), CrossCountry Mortgage, Brooklyn, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 7. **[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) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 8. **[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) - RI 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) 9. **[Peter Costakos](https://lendb.ai/lo/peter-costakos-139540)** (NMLS 139540), CrossCountry Mortgage, Purchase, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 10. **[Jay Tolisano](https://lendb.ai/lo/jason-tolisano-109296)** (NMLS 109296), CrossCountry Mortgage, Fairfield, CT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 11. **[Andrew Russell](https://lendb.ai/lo/andrew-russell-217975)** (NMLS 217975), CrossCountry Mortgage, Hauppauge, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 12. **[Peter Lucia](https://lendb.ai/lo/peter-lucia-157015)** (NMLS 157015), CrossCountry Mortgage, Brooklyn, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 13. **[Richard Potter](https://lendb.ai/lo/richard-potter-989220)** (NMLS 989220), CrossCountry Mortgage, Beverly, MA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 14. **[Jessica Angulo](https://lendb.ai/lo/jessica-angulo-2003393)** (NMLS 2003393), CrossCountry Mortgage, Hauppauge, NY - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 15. **[Jeff Zappone](https://lendb.ai/lo/jeff-zappone-136372)** (NMLS 136372), CrossCountry Mortgage, Fairfield, CT - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 16. **[Derek Sawyer](https://lendb.ai/lo/derek-sawyer-629419)** (NMLS 629419), CrossCountry Mortgage, Lexington, MA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 17. **[Alyssa Caliendo](https://lendb.ai/lo/alyssa-caliendo-1849915)** (NMLS 1849915), CrossCountry Mortgage, San Diego, CA - Lists Non-QM loan on lender page (lender page, verified 2026-10-09) - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) ## 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/rhode-island. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._