--- canonical_url: https://lendb.ai/s/reverse/arizona last_verified: 2026-10-09 --- # Reverse mortgage loan officers in Arizona As of 2026-10-09, LenDb lists 100 loan officers licensed in or based in Arizona whose lender pages show Reverse mortgage work. The top-ranked are Gregg Scharin (CrossCountry Mortgage, Scottsdale), Terry Finnegan (American Pacific Mortgage, Scottsdale) and Earl Rose (CrossCountry Mortgage, Bloomington). Ranking is lender-neutral: specialty evidence first, then a license in AZ, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Gregg Scharin](https://lendb.ai/lo/andrew-scharin-120297)** (NMLS 120297), CrossCountry Mortgage, Scottsdale, AZ - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Scottsdale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Terry Finnegan](https://lendb.ai/lo/terry-finnegan-1268352)** (NMLS 1268352), American Pacific Mortgage, Scottsdale, AZ - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Scottsdale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 22 years of experience (lender page, 2026-10-09) 3. **[Earl Rose](https://lendb.ai/lo/earl-rose-212480)** (NMLS 212480), CrossCountry Mortgage, Bloomington, MN - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 45 years of experience (lender page, 2026-10-09) 4. **[Jeff Cota, CRMP](https://lendb.ai/lo/jeffrey-cota-232239)** (NMLS 232239), CrossCountry Mortgage, San Diego, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 5. **[Brandon Hansen](https://lendb.ai/lo/brandon-hansen-283559)** (NMLS 283559), Guild Mortgage, Toquerville, UT - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 6. **[Rick Gerkman](https://lendb.ai/lo/rick-gerkman-304887)** (NMLS 304887), CrossCountry Mortgage, Lake Oswego, OR - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 7. **[Tom Russell](https://lendb.ai/lo/tom-russell-489545)** (NMLS 489545), Guild Mortgage, Wilsonville, OR - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 8. **[KC DeCesare](https://lendb.ai/lo/kerry-decesare-1031758)** (NMLS 1031758), CrossCountry Mortgage, Las Vegas, NV - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 9. **[Thomas Lake](https://lendb.ai/lo/thomas-lake-311824)** (NMLS 311824), Guild Mortgage, San Diego, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 10. **[Kathy Burns](https://lendb.ai/lo/kathy-burns-288457)** (NMLS 288457), CrossCountry Mortgage, Newport Beach, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 11. **[Dawn Rae Pemberton](https://lendb.ai/lo/dawn-pemberton-162320)** (NMLS 162320), Fairway Independent Mortgage Corporation, Naples, FL - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 12. **[Kyle Ridenour](https://lendb.ai/lo/kyle-ridenour-515944)** (NMLS 515944), Guild Mortgage, Sacramento, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 13 years of experience (lender page, 2026-10-09) 13. **[Devin Fahrner](https://lendb.ai/lo/devin-fahrner-399405)** (NMLS 399405), American Pacific Mortgage, Eagle, ID - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Colorado records) - States 30 years of experience (lender page, 2026-10-09) 14. **[Debbie Bishop](https://lendb.ai/lo/debbie-bishop-234947)** (NMLS 234947), Homeowners Financial Group, Scottsdale, AZ - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Scottsdale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 15. **[Chris Lee](https://lendb.ai/lo/christopher-lee-201715)** (NMLS 201715), Guild Mortgage, San Diego, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ 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) 16. **[Shelley Covington](https://lendb.ai/lo/shelley-covington-102076)** (NMLS 102076), Intercap Lending, Kirkland, WA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 17. **[Michael Dubrule](https://lendb.ai/lo/michael-dubrule-92043)** (NMLS 92043), American Pacific Mortgage, Yakima, WA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 33 years of experience (lender page, 2026-10-09) 18. **[Jon Schneider](https://lendb.ai/lo/jonathan-schneider-224816)** (NMLS 224816), Barrett Financial Group, Chandler, AZ - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Chandler, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 19. **[Robert White](https://lendb.ai/lo/robert-white-2002161)** (NMLS 2002161), Guild Mortgage, San Diego, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 20. **[Marty Parada](https://lendb.ai/lo/martin-parada-361363)** (NMLS 361363), Xpert Home Lending - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 21. **[Kenny Rojas](https://lendb.ai/lo/kenneth-rojas-1737404)** (NMLS 1737404), Guild Mortgage, Clarksville, TN - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 22. **[Joyce Y Lee](https://lendb.ai/lo/joyce-lee-1373760)** (NMLS 1373760), Loan Factory - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 23. **[Regina Morgan](https://lendb.ai/lo/regina-morgan-2070968)** (NMLS 2070968), Loan Factory - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 10 years of experience (lender page, 2026-10-09) 24. **[Lisa Mecl](https://lendb.ai/lo/lisa-mecl-234043)** (NMLS 234043), Barrett Financial Group, Gilbert, AZ - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Gilbert, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Burx Norrod](https://lendb.ai/lo/burx-norrod-852144)** (NMLS 852144), Barrett Financial Group, Chandler, AZ - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Chandler, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## Questions to ask - Are you a reverse mortgage specialist, and how many have you closed? - What are the total costs, including mortgage insurance? - What happens to the home for my heirs? Cite as: LenDb.ai, https://lendb.ai/s/reverse/arizona. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._