--- canonical_url: https://lendb.ai/s/reverse/georgia last_verified: 2026-10-09 --- # Reverse mortgage loan officers in Georgia As of 2026-10-09, LenDb lists 49 loan officers licensed in or based in Georgia whose lender pages show Reverse mortgage work. The top-ranked are Gregg Scharin (CrossCountry Mortgage, Scottsdale), Tom Hammond (CrossCountry Mortgage, Charlotte) and Michael O'Connor (CrossCountry Mortgage, Hauppauge). Ranking is lender-neutral: specialty evidence first, then a license in GA, 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) - GA 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. **[Tom Hammond](https://lendb.ai/lo/tom-hammond-453399)** (NMLS 453399), CrossCountry Mortgage, Charlotte, NC - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 3. **[Michael O'Connor](https://lendb.ai/lo/michael-o-connor-485921)** (NMLS 485921), CrossCountry Mortgage, Hauppauge, NY - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 4. **[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) - GA 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) 5. **[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) - GA 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) 6. **[John Coniglio](https://lendb.ai/lo/john-coniglio-255102)** (NMLS 255102), Guild Mortgage, Anderson, SC - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 7. **[Glenn Grant](https://lendb.ai/lo/glenn-grant-117776)** (NMLS 117776), CrossCountry Mortgage, Naples, FL - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 38 years of experience (lender page, 2026-10-09) 8. **[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) - GA 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) 9. **[Melissa Harrison, RMA®](https://lendb.ai/lo/melissa-harrison-2752622)** (NMLS 2752622), CrossCountry Mortgage, Denville, NJ - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 10. **[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) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 11. **[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) - GA 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) 12. **[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) - GA 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) 13. **[Nick Redhead](https://lendb.ai/lo/nicholas-redhead-594824)** (NMLS 594824), Embrace Home Loans, Tampa, FL - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 14. **[Tom Fazio](https://lendb.ai/lo/thomas-fazio-268035)** (NMLS 268035), American Pacific Mortgage, St. Augustine, FL - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 15. **[Jeffrey "Zack" Zachow](https://lendb.ai/lo/jeffrey-zachow-450729)** (NMLS 450729), Loan Factory - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 16. **[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) - GA 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. **[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) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 18. **[Valerie Clymer](https://lendb.ai/lo/valerie-clymer-221831)** (NMLS 221831), Success Mortgage Partners, Plymouth, MI - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 19. **[Richard Stewart](https://lendb.ai/lo/richard-stewart-1428112)** (NMLS 1428112), CrossCountry Mortgage, Greenwood Village, CO - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) - States 10 years of experience (lender page, 2026-10-09) 20. **[Pat Clay](https://lendb.ai/lo/patricia-clay-1382057)** (NMLS 1382057), Guild Mortgage, Richmond, VA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 21. **[Alex Heath](https://lendb.ai/lo/alex-heath-290072)** (NMLS 290072), Xpert Home Lending - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2009 (per Colorado records) 22. **[Sarena Talbert](https://lendb.ai/lo/sarena-talbert-1043739)** (NMLS 1043739), CrossCountry Mortgage, Newport Beach, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA 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) 23. **[Gerald Brody](https://lendb.ai/lo/gerald-brody-397642)** (NMLS 397642), CrossCountry Mortgage, Southfield, MI - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 24. **[Crystal Rivera](https://lendb.ai/lo/crystal-rivera-600621)** (NMLS 600621), CrossCountry Mortgage, Tampa, FL - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 25. **[Paula Bergfeld, ChFC, CRMP](https://lendb.ai/lo/paula-bergfeld-146985)** (NMLS 146985), CrossCountry Mortgage, Fishers, IN - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) ## 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/georgia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._