--- canonical_url: https://lendb.ai/s/reverse/texas last_verified: 2026-10-09 --- # Reverse mortgage loan officers in Texas As of 2026-10-09, LenDb lists 97 loan officers licensed in or based in Texas whose lender pages show Reverse mortgage work. The top-ranked are James Ward (Fairway Independent Mortgage Corporation, Houston), Tom Hammond (CrossCountry Mortgage, Charlotte) and Dawn Rae Pemberton (Fairway Independent Mortgage Corporation, Naples). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 25 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 20 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 3. **[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 TX (listed on lender page, verified 2026-10-09) - 15 years licensed - No disciplinary actions on file at LenDb 4. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 15 years licensed - No disciplinary actions on file at LenDb 5. **[Ed Rowe III](https://lendb.ai/lo/ed-rowe-iii-262647)** (NMLS 262647), Loan Factory, TX - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 7 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 6. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 13 years licensed - No disciplinary actions on file at LenDb 7. **[Ed Frankel](https://lendb.ai/lo/ed-frankel-180468)** (NMLS 180468), CrossCountry Mortgage, Cleveland, OH - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 25 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 8. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 12 years licensed - No disciplinary actions on file at LenDb 9. **[Randa Harper](https://lendb.ai/lo/larandavesha-harper-1120667)** (NMLS 1120667), Loan Factory, TX - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 4 years licensed - No disciplinary actions on file at LenDb 10. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 11 years licensed - No disciplinary actions on file at LenDb 11. **[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 TX (listed on lender page, verified 2026-10-09) - 15 years licensed - No disciplinary actions on file at LenDb 12. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 22 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 13. **[Tom Spaniel](https://lendb.ai/lo/tom-spaniel-228693)** (NMLS 228693), Success Mortgage Partners, Dallas, TX - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 29 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 14. **[Brian Scott McRae](https://lendb.ai/lo/brian-scott-mcrae-2214972)** (NMLS 2214972), CrossCountry Mortgage, Austin, TX - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - No disciplinary actions on file at LenDb 15. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 14 years licensed - No disciplinary actions on file at LenDb 16. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 8 years licensed - No disciplinary actions on file at LenDb 17. **[Brandon Hansen](https://lendb.ai/lo/brandon-hansen-283559)** (NMLS 283559), Guild Mortgage, Toquerville, UT - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 8 years licensed - No disciplinary actions on file at LenDb 18. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 8 years licensed - No disciplinary actions on file at LenDb 19. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 8 years licensed - No disciplinary actions on file at LenDb 20. **[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 TX (listed on lender page, verified 2026-10-09) - 7 years licensed - No disciplinary actions on file at LenDb 21. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 11 years licensed - No disciplinary actions on file at LenDb 22. **[Scott Eisgrau](https://lendb.ai/lo/scott-eisgrau-139186)** (NMLS 139186), Atlantic Coast Mortgage, Owings Mills, MD - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 9 years licensed - No disciplinary actions on file at LenDb 23. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 8 years licensed - No disciplinary actions on file at LenDb 24. **[Lenae Vandegrift](https://lendb.ai/lo/lenae-vandegrift-649456)** (NMLS 649456), American Pacific Mortgage, Thornton, CO - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 12 years licensed - No disciplinary actions on file at LenDb 25. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 9 years licensed - No disciplinary actions on file at LenDb ## 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/texas. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._