Loan programs · Virginia
Non-QM loan officers in Virginia
As of 2026-10-09, LenDb lists 74 loan officers licensed in or based in Virginia whose lender pages show Non-QM loan work. The top-ranked are Bobby Luu (American Pacific Mortgage, Reston), Joe Magallanes (CrossCountry Mortgage, Newport Beach) and Eric Gasper (CrossCountry Mortgage, Mineola). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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
Bobby LuuNMLS 185192
American Pacific Mortgage · Reston, VA · licensed in 8 states
- Non-QM loan
- FHA loan
- First-time buyer
- Jumbo loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Reston, VA
- Licensed since 2022 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 2
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- Self-employed
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Eric GasperNMLS 175852
CrossCountry Mortgage · Mineola, NY · licensed in 18 states
- Non-QM loan
- Real estate investor
- Self-employed
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2010 (per Colorado records)
- 4
John Csoka Jr.NMLS 212307
CrossCountry Mortgage · Fairfax, VA · licensed in 3 states
- Non-QM loan
- FHA loan
- VA loan
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Fairfax, VA
- Licensed since 2022 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 5
Liz McElroy- FilanNMLS 659461
CrossCountry Mortgage · Fairfax, VA · licensed in 4 states
- Non-QM loan
- Self-employed
- Down payment assistance
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Fairfax, VA
- Licensed since 2014 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 6
Traci WallerNMLS 80888
CrossCountry Mortgage · Chesapeake, VA · licensed in 2 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Chesapeake, VA
- States 19 years of experience (lender page, 2026-10-09)
- 7
Jake HealyNMLS 1028904
CrossCountry Mortgage · Delray Beach, FL · licensed in 7 states
- Non-QM loan
- First-time buyer
- HELOC
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- 8
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Non-QM loan
- Real estate investor
- Self-employed
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Colorado records)
- 9
Jason StallworthNMLS 7577
Embrace Home Loans · Amityville, NY · licensed in 6 states
- Non-QM loan
- FHA loan
- First-time buyer
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 10
Shannon OdomNMLS 509649
LeaderOne Financial · Bangor, ME · licensed in 13 states
- Non-QM loan
- FHA loan
- USDA loan
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 11
Irini LuluNMLS 482084
CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 8 states
- Non-QM loan
- Construction loan
- Real estate investor
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 12
Andrew MarquisNMLS 29861
CrossCountry Mortgage · Lexington, MA · licensed in 25 states
- Non-QM loan
- Jumbo loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 13
Patrick StoyNMLS 39527
CrossCountry Mortgage · Wilmington, NC · licensed in 9 states
- Non-QM loan
- Real estate investor
- Reverse mortgage
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 14
Sandra SmithNMLS 200651
CrossCountry Mortgage · Alpharetta, GA · licensed in 7 states
- Non-QM loan
- Jumbo loan
- FHA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 15
Ubaldo V Leon IIINMLS 304012
CrossCountry Mortgage · Lewisville, TX · licensed in 14 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 16
Kim JonesNMLS 324221
CrossCountry Mortgage · Houston, TX · licensed in 5 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 44 years of experience (lender page, 2026-10-09)
- 17
Josh PatrickNMLS 667835
CrossCountry Mortgage · Newport Beach, CA · licensed in 18 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 18
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Reverse mortgage
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 19
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- Non-QM loan
- FHA loan
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- States 35 years of experience (lender page, 2026-10-09)
- 20
Jeffrey AronheimNMLS 235233
CrossCountry Mortgage · Greenwood Village, CO · licensed in 33 states
- Non-QM loan
- Construction loan
- Real estate investor
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2007 (per Colorado records)
- 21
Kristi CulbertsonNMLS 819792
CrossCountry Mortgage · Chesapeake, VA · licensed in 2 states
- Non-QM loan
- VA loan
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Chesapeake, VA
- States 12 years of experience (lender page, 2026-10-09)
- 22
Saran MandhadapuNMLS 2417126
Loan Factory · Mortgage broker · licensed in 10 states
- Non-QM loan
- DSCR loan
- Real estate investor
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 23
Charles OliverNMLS 175312
CrossCountry Mortgage · Delray Beach, FL · licensed in 15 states
- Non-QM loan
- Down payment assistance
- HELOC
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 24
Gus AndersonNMLS 1448809
CrossCountry Mortgage · Fairfax, VA · licensed in 5 states
- Non-QM loan
- Down payment assistance
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Fairfax, VA
- Licensed since 2019 (per Florida records)
- States 11 years of experience (lender page, 2026-10-09)
- 25
Scott PhillipsNMLS 181137
First Heritage Mortgage · licensed in 9 states
- Non-QM loan
- New construction
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
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 are listed when a VA license is confirmed with the state regulator (check mark), VA is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=non-qm&state=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.