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Loan programs · Illinois

Reverse mortgage loan officers in Illinois

As of 2026-10-09, LenDb lists 32 loan officers licensed in or based in Illinois whose lender pages show Reverse mortgage work. The top-ranked are Zach Schwartz (LeaderOne Financial, Oak Brook), Dawn Rae Pemberton (Fairway Independent Mortgage Corporation, Naples) and Keran Fears (American Pacific Mortgage, Hillsboro). Ranking is lender-neutral: specialty evidence first, then a license in IL, 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. 1

    Zach SchwartzNMLS 894131

    LeaderOne Financial · Oak Brook, IL · licensed in 3 states

    • Reverse mortgage
    • Construction loan
    • Down payment assistance
    • FHA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • Branch in Illinois
    • 13 years licensed
  2. 2

    Dawn Rae PembertonNMLS 162320

    Fairway Independent Mortgage Corporation · Naples, FL · licensed in 18 states

    • Reverse mortgage
    • VA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Keran FearsNMLS 256586

    American Pacific Mortgage · Hillsboro, MO · licensed in 3 states

    • Reverse mortgage
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 30 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  4. 4

    John ConiglioNMLS 255102

    Guild Mortgage · Anderson, SC · licensed in 15 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Chris LeeNMLS 201715

    Guild Mortgage · San Diego, CA · licensed in 14 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Thomas LakeNMLS 311824

    Guild Mortgage · San Diego, CA · licensed in 15 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Agostino (Augie) IaconoNMLS 283725

    Barrett Financial Group · Brookfield, WI · licensed in 11 states

    • Reverse mortgage
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Marco GuerraNMLS 453621

    Guild Mortgage · Santa Rosa, CA · licensed in 15 states

    • Reverse mortgage
    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Wiley CorcoranNMLS 1570471

    Guild Mortgage · San Diego, CA · licensed in 18 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    Zack NoredNMLS 1446942

    Guild Mortgage · Boise, ID · licensed in 15 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Todd NunisNMLS 134294

    Guild Mortgage · Colleyville, TX · licensed in 32 states

    • Reverse mortgage
    • Renovation loan (203k / HomeStyle)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Kirk UlshaferNMLS 150626

    CrossCountry Mortgage · Wayne, PA · licensed in 14 states

    • Reverse mortgage
    • FHA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Devin FahrnerNMLS 399405

    American Pacific Mortgage · Eagle, ID · licensed in 17 states

    • Reverse mortgage
    • VA loan
    • FHA loan
    • First-time buyer
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    Paul E. ScheperNMLS 110538

    Loan Factory · Ladera Ranch, CA

    • Reverse mortgage
    • FHA loan
    • Jumbo loan
    • VA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  15. 15

    Traci EmondNMLS 1073937

    Guild Mortgage · St Charles, IL · licensed in 4 states

    • Reverse mortgage
    • VA loan
    • Down payment assistance
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • Branch in Illinois
    • No disciplinary actions on file at LenDb
  16. 16

    Kyle BrunetNMLS 1237678

    Lit Financial Corporation · licensed in 9 states

    • Reverse mortgage
    • Bank statement loan
    • Condo
    • DSCR loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Tracy BolenNMLS 1734508

    American Pacific Mortgage · Roseville, CA · licensed in 51 states

    • Reverse mortgage
    • FHA loan
    • Jumbo loan
    • New construction
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Sarena TalbertNMLS 1043739

    CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states

    • Reverse mortgage
    • Jumbo loan
    • Non-QM loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Ricardo NavarreteNMLS 1453870

    LeaderOne Financial · Oak Brook, IL · licensed in 2 states

    • Reverse mortgage
    • Construction loan
    • Down payment assistance
    • FHA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • Branch in Illinois
    • No disciplinary actions on file at LenDb
  20. 20

    Court CrofootNMLS 200175

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 11 states

    • Reverse mortgage
    • Co-op
    • Condo
    • Construction loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  21. 21

    Amy RobbinsNMLS 79210

    Ruoff Mortgage · licensed in 6 states

    • Reverse mortgage
    • Construction loan
    • Down payment assistance
    • FHA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Francis X RuzickaNMLS 232598

    Guild Mortgage · Chesterfield, MO · licensed in 8 states

    • Reverse mortgage
    • Construction loan
    • Down payment assistance
    • Real estate investor
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  23. 23

    Ryan McGranNMLS 2520487

    Lit Financial Corporation · licensed in 19 states

    • Reverse mortgage
    • Bank statement loan
    • Condo
    • DSCR loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  24. 24

    Ram MishraNMLS 231417

    Loan Factory · licensed in 6 states

    • Reverse mortgage
    • Real estate investor
    • Asset-based qualifying
    • Bank statement loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  25. 25

    Samantha BaylessNMLS 460970

    Ruoff Mortgage · licensed in 3 states

    • Reverse mortgage
    • USDA loan
    • Down payment assistance
    • FHA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb

Before you choose

Counseling, financial assessment and heir considerations make reverse mortgages a specialty of their own.

  • 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?

More about Reverse mortgage

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in IL or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=reverse&state=IL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.