---
canonical_url: https://lendb.ai/s/non-qm/vermont
last_verified: 2026-10-09
---

# Non-QM loan officers in Vermont

As of 2026-10-09, LenDb lists 10 loan officers licensed in or based in Vermont whose lender pages show Non-QM loan work. The top-ranked are Shannon Odom (LeaderOne Financial, Bangor), Andrew Marquis (CrossCountry Mortgage, Lexington) and Sarena Talbert (CrossCountry Mortgage, Newport Beach). Ranking is lender-neutral: specialty evidence first, then a license in VT, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Shannon Odom](https://lendb.ai/lo/shannon-odom-509649)** (NMLS 509649), LeaderOne Financial, Bangor, ME
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
2. **[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)
   - VT 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)
3. **[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)
   - VT 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)
4. **[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)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2010 (per Florida records)
5. **[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)
   - VT 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)
6. **[Dan Gjeldum](https://lendb.ai/lo/daniel-gjeldum-686529)** (NMLS 686529), CrossCountry Mortgage, Hinsdale, IL
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2014 (per Florida records)
7. **[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)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
8. **[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)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
9. **[Erik Johnson](https://lendb.ai/lo/erik-johnson-729262)** (NMLS 729262), CrossCountry Mortgage, White Plains, NY
   - Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
10. **[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)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2024 (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/vermont.

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