--- canonical_url: https://lendb.ai/s/reverse/tennessee last_verified: 2026-10-09 --- # Reverse mortgage loan officers in Tennessee As of 2026-10-09, LenDb lists 42 loan officers licensed in or based in Tennessee 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 TN, 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) - TN 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) - TN 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) - TN 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. **[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) - TN 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) 5. **[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) - TN 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) 6. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 7. **[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) - Office in Clarksville, TN - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 8. **[Jon Karuschkat](https://lendb.ai/lo/jon-karuschkat-364066)** (NMLS 364066), Fairway Independent Mortgage Corporation, Rogers, AR - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2006 (per Colorado records) 9. **[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) - TN 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) 10. **[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) - TN 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) 11. **[Kathleen Spicuzza](https://lendb.ai/lo/kathleen-spicuzza-865895)** (NMLS 865895), CrossCountry Mortgage, Las Vegas, NV - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 12. **[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) - TN 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) 13. **[Michael Inkman](https://lendb.ai/lo/michael-inkman-152707)** (NMLS 152707), Fairway Independent Mortgage Corporation, Carrollton, TX - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Colorado records) 14. **[Wiley Corcoran](https://lendb.ai/lo/wiley-corcoran-1570471)** (NMLS 1570471), Guild Mortgage, San Diego, CA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 15. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 16. **[Dean Germain](https://lendb.ai/lo/dean-germain-157116)** (NMLS 157116), Fairway Independent Mortgage Corporation, Hendersonville, TN - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Office in Hendersonville, TN - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 18. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 19. **[Genie McGee](https://lendb.ai/lo/lujean-mcgee-506550)** (NMLS 506550), Fairway Independent Mortgage Corporation, Atlanta, GA - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 20. **[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) - TN 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) 21. **[Garrison Gross, CRMP](https://lendb.ai/lo/garrison-gross-178812)** (NMLS 178812), CrossCountry Mortgage, Purchase, NY - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 22. **[Damahco Ousley](https://lendb.ai/lo/damahco-ousley-2102342)** (NMLS 2102342), Fairway Independent Mortgage Corporation, Greenwood Village, CO - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 23. **[Leisa Stilwell](https://lendb.ai/lo/leisa-stilwell-2614031)** (NMLS 2614031), Fairway Independent Mortgage Corporation, Madison, WI - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[Luke Centrone](https://lendb.ai/lo/luca-centrone-1200569)** (NMLS 1200569), CrossCountry Mortgage, Purchase, NY - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 25. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (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/tennessee. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._