--- canonical_url: https://lendb.ai/s/non-qm/texas last_verified: 2026-10-09 --- # Non-QM loan officers in Texas As of 2026-10-09, LenDb lists 188 loan officers licensed in or based in Texas whose lender pages show Non-QM loan work. The top-ranked are Edwin Santiago (CrossCountry Mortgage, Wayne), Eric Gasper (CrossCountry Mortgage, Mineola) and Cheryl S New (Guild Mortgage, Stephenville). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Edwin Santiago](https://lendb.ai/lo/edwin-santiago-133618)** (NMLS 133618), CrossCountry Mortgage, Wayne, PA - 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 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 TX (listed on lender page, verified 2026-10-09) - 15 years licensed - No disciplinary actions on file at LenDb 3. **[Cheryl S New](https://lendb.ai/lo/cheryl-new-218555)** (NMLS 218555), Guild Mortgage, Stephenville, TX - 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) - No disciplinary actions on file at LenDb 4. **[Erika Slayton](https://lendb.ai/lo/erika-slayton-76823)** (NMLS 76823), CrossCountry Mortgage, San Antonio, TX - 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 - 31 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 5. **[Andy Tuttle](https://lendb.ai/lo/jonathan-tuttle-184325)** (NMLS 184325), CrossCountry Mortgage, Dallas, TX - 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 - No disciplinary actions on file at LenDb 6. **[Michael Harrington](https://lendb.ai/lo/michael-harrington-227958)** (NMLS 227958), CrossCountry Mortgage, Houston, TX - 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) - No disciplinary actions on file at LenDb 7. **[Kim Jones](https://lendb.ai/lo/kim-jones-324221)** (NMLS 324221), CrossCountry Mortgage, Houston, TX - 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) - No disciplinary actions on file at LenDb 8. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 20 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 9. **[Wendy Cloud](https://lendb.ai/lo/wendy-cloud-1195575)** (NMLS 1195575), CrossCountry Mortgage, Houston, TX - 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) - No disciplinary actions on file at LenDb 10. **[Dave Burness](https://lendb.ai/lo/dave-burness-1322576)** (NMLS 1322576), CrossCountry Mortgage, Cedar Park, TX - 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. **[Kai Fideler](https://lendb.ai/lo/kai-fideler-2732086)** (NMLS 2732086), CrossCountry Mortgage, Austin, TX - 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 - No disciplinary actions on file at LenDb 12. **[John Nguyen](https://lendb.ai/lo/john-nguyen-389742)** (NMLS 389742), Guild Mortgage, Boca Raton, FL - 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 13. **[Sean Frith](https://lendb.ai/lo/sean-frith-1090092)** (NMLS 1090092), CrossCountry Mortgage, Destin, FL - 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. **[Robert Taylor](https://lendb.ai/lo/robert-taylor-132188)** (NMLS 132188), First Home Mortgage, Baltimore, MD - 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 15. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 5 years licensed - No disciplinary actions on file at LenDb 16. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 5 years licensed - No disciplinary actions on file at LenDb 17. **[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 TX (listed on lender page, verified 2026-10-09) - 3 years licensed - No disciplinary actions on file at LenDb 18. **[Carl Crowley](https://lendb.ai/lo/carl-crowley-1850056)** (NMLS 1850056), Loan Factory, Frisco, TX - 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 - No disciplinary actions on file at LenDb 19. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 8 years licensed - No disciplinary actions on file at LenDb 20. **[Bryan Young](https://lendb.ai/lo/bryan-young-1504425)** (NMLS 1504425), LeaderOne Financial, Oak Brook, IL - 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 21. **[Lauren Swartz](https://lendb.ai/lo/lauren-swartz-1579809)** (NMLS 1579809), CrossCountry Mortgage, Flower Mound, TX - 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 - No disciplinary actions on file at LenDb 22. **[Tony Dinh](https://lendb.ai/lo/tony-dinh-281092)** (NMLS 281092), Loan Factory, Houston, TX - 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 23. **[Steve Crossman](https://lendb.ai/lo/steven-crossman-995551)** (NMLS 995551), CrossCountry Mortgage, McKinney, TX - 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 - 6 years licensed - No disciplinary actions on file at LenDb 24. **[Charles Oliver](https://lendb.ai/lo/charles-oliver-175312)** (NMLS 175312), CrossCountry Mortgage, Delray Beach, FL - 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 25. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 15 years licensed - No disciplinary actions on file at LenDb ## 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/texas. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._