--- canonical_url: https://lendb.ai/s/reverse/pennsylvania last_verified: 2026-10-09 --- # Reverse mortgage loan officers in Pennsylvania As of 2026-10-09, LenDb lists 27 loan officers licensed in or based in Pennsylvania whose lender pages show Reverse mortgage work. The top-ranked are Earl Rose (CrossCountry Mortgage, Bloomington), Dawn Rae Pemberton (Fairway Independent Mortgage Corporation, Naples) and Rene Gonzalez (Fairway Independent Mortgage Corporation, Freeport). Ranking is lender-neutral: specialty evidence first, then a license in PA, 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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 96257), verified 2026-10-09 - Licensed since 2019 (per Florida records) - States 45 years of experience (lender page, 2026-10-09) 2. **[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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 117900), verified 2026-10-09 - Licensed since 2011 (per Florida records) 3. **[Rene Gonzalez](https://lendb.ai/lo/rene-gonzalez-62315)** (NMLS 62315), Fairway Independent Mortgage Corporation, Freeport, NY - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 4. **[James Ward](https://lendb.ai/lo/james-ward-168854)** (NMLS 168854), Fairway Independent Mortgage Corporation, Houston, TX - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - PA 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) 5. **[Dawn Schowalter](https://lendb.ai/lo/dawn-schowalter-211115)** (NMLS 211115), Guild Mortgage, Richmond, VA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 6. **[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) - PA 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) 7. **[Keith Smith](https://lendb.ai/lo/keith-smith-903855)** (NMLS 903855), Xpert Home Lending - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 122778), verified 2026-10-09 - Licensed since 2009 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 8. **[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) - PA 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) 9. **[Amanda Broomall](https://lendb.ai/lo/amanda-broomall-900029)** (NMLS 900029), Guild Mortgage, Middletown, DE - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 69796), verified 2026-10-09 - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 10. **[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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 106995), verified 2026-10-09 - Licensed since 2023 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 11. **[Megan Brogna](https://lendb.ai/lo/megan-brogna-485942)** (NMLS 485942), CrossCountry Mortgage, Wayne, PA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Wayne, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 103924), verified 2026-10-09 - Licensed since 2023 (per Florida records) 12. **[Kirk Ulshafer](https://lendb.ai/lo/kirk-ulshafer-150626)** (NMLS 150626), CrossCountry Mortgage, Wayne, PA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Wayne, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 101763), verified 2026-10-09 - Licensed since 2025 (per Florida records) 13. **[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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 69891), verified 2026-10-09 - Licensed since 2019 (per Florida records) 14. **[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) - PA 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) 15. **[Joseph Heisler](https://lendb.ai/lo/joseph-heisler-43162)** (NMLS 43162), Loan Factory - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 35 years of experience (lender page, 2026-10-09) 16. **[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) - PA 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) 17. **[Dominick Angotti](https://lendb.ai/lo/dominick-angotti-202583)** (NMLS 202583), CrossCountry Mortgage, Tampa, FL - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 18. **[Frank Chandler](https://lendb.ai/lo/frank-chandler-1439499)** (NMLS 1439499), Fairway Independent Mortgage Corporation, Foxboro, MA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 114576), verified 2026-10-09 - Licensed since 2021 (per Florida records) 19. **[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) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 20. **[Neil Sweren](https://lendb.ai/lo/neil-sweren-139177)** (NMLS 139177), Atlantic Coast Mortgage, Owings Mills, MD - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 63484), verified 2026-10-09 - Licensed since 2017 (per Florida records) 21. **[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) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 22. **[Derek Helms](https://lendb.ai/lo/james-helms-1494137)** (NMLS 1494137), Fairway Independent Mortgage Corporation, Matthews, NC - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 23. **[Jeri Shoop](https://lendb.ai/lo/jeri-shoop-224331)** (NMLS 224331), Xpert Home Lending - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 123193), verified 2026-10-09 - Licensed since 2007 (per Colorado records) 24. **[Jim Conley](https://lendb.ai/lo/james-conley-1956955)** (NMLS 1956955), Fairway Independent Mortgage Corporation, Hughesville, MD - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 25. **[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) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (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/pennsylvania. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._