Loan programs · Texas
Non-QM loan officers in Texas
As of 2026-10-09, LenDb lists 154 loan officers licensed in or based in Texas whose lender pages show Non-QM loan work. The top-ranked are Cheryl S New (Guild Mortgage, Stephenville), John Nguyen (Guild Mortgage, Boca Raton) and Robert Taylor (First Home Mortgage, Baltimore). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
Cheryl S NewNMLS 218555
Guild Mortgage · Stephenville, TX
- Non-QM loan
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 30 years experience (stated on lender page, 2026-10-09)
- 2
John NguyenNMLS 389742
Guild Mortgage · Boca Raton, FL · licensed in 21 states
- Non-QM loan
- 1099 income
- Bank statement loan
- DSCR loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 3
Robert TaylorNMLS 132188
First Home Mortgage · Baltimore, MD · licensed in 7 states
- Non-QM loan
- FHA loan
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 4
Carl CrowleyNMLS 1850056
Loan Factory · Frisco, TX
- Non-QM loan
- First-time buyer
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 7 years licensed
- 5
Andy TuttleNMLS 184325
CrossCountry Mortgage · Dallas, TX · licensed in 5 states
- Non-QM loan
- Real estate investor
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 0 years licensed
- 6
Michael HarringtonNMLS 227958
CrossCountry Mortgage · Houston, TX
- Non-QM loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 30 years experience (stated on lender page, 2026-10-09)
- 7
Kim JonesNMLS 324221
CrossCountry Mortgage · Houston, TX · licensed in 5 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 44 years experience (stated on lender page, 2026-10-09)
- 8
Candace CagleNMLS 878436
CrossCountry Mortgage · Houston, TX · licensed in 4 states
- Non-QM loan
- First-time buyer
- Construction loan
- Renovation loan (203k / HomeStyle)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 20 years experience (stated on lender page, 2026-10-09)
- 9
Wendy CloudNMLS 1195575
CrossCountry Mortgage · Houston, TX
- Non-QM loan
- Jumbo loan
- HELOC
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 27 years experience (stated on lender page, 2026-10-09)
- 10
Dave BurnessNMLS 1322576
CrossCountry Mortgage · Cedar Park, TX · licensed in 4 states
- Non-QM loan
- FHA loan
- VA loan
- Condo
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- No disciplinary actions on file at LenDb
- 11
Bryan YoungNMLS 1504425
LeaderOne Financial · Oak Brook, IL · licensed in 4 states
- Non-QM loan
- FHA loan
- HELOC
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 12
Tony DinhNMLS 281092
Loan Factory · Houston, TX · licensed in 2 states
- Non-QM loan
- DSCR loan
- Real estate investor
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- No disciplinary actions on file at LenDb
- 13
Joseph CampagnaNMLS 602884
CrossCountry Mortgage · Staten Island, NY · licensed in 7 states
- Non-QM loan
- Down payment assistance
- First-time buyer
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 14
Sean FrithNMLS 1090092
CrossCountry Mortgage · Destin, FL · licensed in 6 states
- Non-QM loan
- Condo
- Jumbo loan
- Real estate investor
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 15
Sam KlaburnerNMLS 140132
Loan Factory · licensed in 4 states
- Non-QM loan
- Down payment assistance
- DSCR loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 16
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- Self-employed
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 17
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- Non-QM loan
- Condo
- First-time buyer
- New construction
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 18
Shane MoeNMLS 164686
LeaderOne Financial · Austin, TX
- Non-QM loan
- Construction loan
- Down payment assistance
- DSCR loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- No disciplinary actions on file at LenDb
- 19
Bobby LuuNMLS 185192
American Pacific Mortgage · Reston, VA · licensed in 8 states
- Non-QM loan
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 20
Kathy JohnsonNMLS 1402120
CrossCountry Mortgage · Houston, TX · licensed in 33 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 8 years licensed
- 21
Melissa TubauNMLS 2353523
Guild Mortgage · The Woodlands, TX
- Non-QM loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 4 years licensed
- 22
Julio Cesar BerrocalNMLS 1825860
Loan Factory · licensed in 2 states
- Non-QM loan
- DSCR loan
- FHA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 23
Denise McManusNMLS 1982222
Xpert Home Lending · licensed in 5 states
- Non-QM loan
- Real estate investor
- Self-employed
- Asset-based qualifying
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 24
Chad MayerNMLS 280921
Guild Mortgage · Scottsdale, AZ · licensed in 12 states
- Non-QM loan
- Bank statement loan
- DSCR loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 25
Holly LucaNMLS 586712
Loan Factory · licensed in 4 states
- Non-QM loan
- Construction loan
- Down payment assistance
- DSCR loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Every non-QM lender has its own guidelines and pricing, so the loan officer's investor relationships matter.
- 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?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in TX or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=non-qm&state=TX. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.