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Loan programs · Virginia

Reverse mortgage loan officers in Virginia

As of 2026-10-09, LenDb lists 43 loan officers licensed in or based in Virginia whose lender pages show Reverse mortgage work. The top-ranked are Dawn Schowalter (Guild Mortgage, Richmond), Pat Clay (Guild Mortgage, Richmond) and Bill Gaylord (Guild Mortgage, Henderson). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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

    Dawn SchowalterNMLS 211115

    Guild Mortgage · Richmond, VA · licensed in 13 states

    • Reverse mortgage
    • First-time buyer
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • 11 years licensed
  2. 2

    Pat ClayNMLS 1382057

    Guild Mortgage · Richmond, VA · licensed in 14 states

    • Reverse mortgage
    • VA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • 8 years licensed
  3. 3

    Bill GaylordNMLS 680603

    Guild Mortgage · Henderson, NV · licensed in 7 states

    • Reverse mortgage
    • DSCR loan
    • FHA loan
    • Jumbo loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 33 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  4. 4

    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 VA (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Tom FazioNMLS 268035

    American Pacific Mortgage · St. Augustine, FL · licensed in 3 states

    • Reverse mortgage
    • Construction loan
    • FHA loan
    • USDA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    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 VA (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Joseph HeislerNMLS 43162

    Loan Factory · licensed in 6 states

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

    Scott EisgrauNMLS 139186

    Atlantic Coast Mortgage · Owings Mills, MD · licensed in 6 states

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

    Nick KristoffNMLS 379253

    CrossCountry Mortgage · Bluffton, SC · licensed in 5 states

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

    Neil SwerenNMLS 139177

    Atlantic Coast Mortgage · Owings Mills, MD · licensed in 16 states

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

    Jeffrey "Zack" ZachowNMLS 450729

    Loan Factory · licensed in 5 states

    • Reverse mortgage
    • FHA loan
    • First-time buyer
    • HELOC
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Derek HelmsNMLS 1494137

    Fairway Independent Mortgage Corporation · Matthews, NC · licensed in 11 states

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

    Jim ConleyNMLS 1956955

    Fairway Independent Mortgage Corporation · Hughesville, MD · licensed in 5 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    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 VA (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Frank ChandlerNMLS 1439499

    Fairway Independent Mortgage Corporation · Foxboro, MA · licensed in 10 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Brian McraeNMLS 2214972

    Fairway Independent Mortgage Corporation · Austin, TX · licensed in 2 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  17. 17

    Dan DawesNMLS 450255

    Guild Mortgage · Columbia, MD · licensed in 4 states

    • Reverse mortgage
    • Renovation loan (203k / HomeStyle)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  18. 18

    Courtney VelvinNMLS 1639594

    Guild Mortgage · Greenwood Village, CO · licensed in 7 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  19. 19

    Robert BatesNMLS 191832

    ALCOVA Mortgage · Hardy, VA

    • Reverse mortgage
    • Bank statement loan
    • DSCR loan
    • FHA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • No disciplinary actions on file at LenDb
  20. 20

    Diana SampleNMLS 265398

    ALCOVA Mortgage · Harrisonburg, VA

    • Reverse mortgage
    • Bank statement loan
    • DSCR loan
    • FHA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • No disciplinary actions on file at LenDb
  21. 21

    Paul CaldwellNMLS 762637

    Fairway Independent Mortgage Corporation · Charlotte, NC · licensed in 3 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Laurie MacNaughtonNMLS 506562

    Atlantic Coast Mortgage · licensed in 10 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Peter LuciaNMLS 157015

    CrossCountry Mortgage · Brooklyn, NY · licensed in 14 states

    • Reverse mortgage
    • Co-op
    • Non-QM loan
    • FHA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    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 VA (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Lisa BrownNMLS 2103832

    Guild Mortgage · Raleigh, NC · licensed in 5 states

    • Reverse mortgage
    • Jumbo loan
    • First-time buyer
    • Down payment assistance
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 4 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 VA 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=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.