--- canonical_url: https://lendb.ai/s/reverse/minnesota last_verified: 2026-10-09 --- # Reverse mortgage loan officers in Minnesota As of 2026-10-09, LenDb lists 23 loan officers licensed in or based in Minnesota whose lender pages show Reverse mortgage work. The top-ranked are Earl Rose (CrossCountry Mortgage, Bloomington), Thomas Lake (Guild Mortgage, San Diego) and John Coniglio (Guild Mortgage, Anderson). Ranking is lender-neutral: specialty evidence first, then a license in MN, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - Office in Bloomington, MN - MN 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) 2. **[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) - MN 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) 3. **[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) - MN 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) 4. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 5. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 6. **[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) - MN 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) 7. **[Erik Patten](https://lendb.ai/lo/erik-patten-507517)** (NMLS 507517), Guild Mortgage, Boulder, CO - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Colorado records) 8. **[Patrick Stoy](https://lendb.ai/lo/patrick-stoy-39527)** (NMLS 39527), CrossCountry Mortgage, Wilmington, NC - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 9. **[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) - MN 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) 10. **[Alina Passarelli](https://lendb.ai/lo/alina-passarelli-525407)** (NMLS 525407), CrossCountry Mortgage, Bloomington, MN - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Bloomington, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 11. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 12. **[Ian McDonald](https://lendb.ai/lo/ian-mcdonald-229719)** (NMLS 229719), Fairway Independent Mortgage Corporation, Hutchinson, MN - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Hutchinson, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Rick Williams](https://lendb.ai/lo/richard-williams-1216580)** (NMLS 1216580), CrossCountry Mortgage, Newport Beach, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 14. **[Jason Higham](https://lendb.ai/lo/armon-higham-247925)** (NMLS 247925), Guild Mortgage, The Woodlands, TX - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 15. **[Josh Kilty](https://lendb.ai/lo/josh-kilty-277851)** (NMLS 277851), Fairway Independent Mortgage Corporation, Marshfield, WI - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Amber Docken](https://lendb.ai/lo/amber-docken-1236912)** (NMLS 1236912), CrossCountry Mortgage, Bozeman, MT - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Todd Nunis](https://lendb.ai/lo/roy-nunis-134294)** (NMLS 134294), Guild Mortgage, Colleyville, TX - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) 18. **[Chris Volner](https://lendb.ai/lo/chris-volner-84706)** (NMLS 84706), CrossCountry Mortgage, Bloomington, MN - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Bloomington, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Ryan McGran](https://lendb.ai/lo/ryan-mcgran-2520487)** (NMLS 2520487), Lit Financial Corporation - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) 20. **[Tracy Bolen](https://lendb.ai/lo/tracy-bolen-1734508)** (NMLS 1734508), American Pacific Mortgage, Roseville, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 21. **[Drew Nossaman](https://lendb.ai/lo/drew-nossaman-1709178)** (NMLS 1709178), Lit Financial Corporation - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Tony Falbo](https://lendb.ai/lo/tony-falbo-1071550)** (NMLS 1071550), Homeowners Financial Group, Santa Rosa, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Sam Bromley](https://lendb.ai/lo/samuel-bromley-1151654)** (NMLS 1151654), Xpert Home Lending - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (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/minnesota. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._