{
  "canonical_url": "https://lendb.ai/s/reverse/virginia",
  "summary": "As of 2026-10-09, LenDb lists 55 loan officers licensed in or based in Virginia whose lender pages show Reverse mortgage work. The top-ranked are Dawn Schowalter (Guild Mortgage, Richmond), 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 VA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "reverse",
  "state": "VA",
  "total": 55,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 60.3,
      "loan_officer": {
        "nmls_id": 211115,
        "slug": "dawn-schowalter-211115",
        "full_name": "Dawn Schowalter",
        "canonical_url": "https://lendb.ai/lo/dawn-schowalter-211115",
        "json_url": "https://lendb.ai/lo/dawn-schowalter-211115.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Richmond",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AL",
          "CA",
          "DE",
          "MA",
          "MI",
          "NM",
          "PA",
          "TX",
          "VA",
          "VT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/va/richmond/dawn-schowalter-613-chdsc.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-schowalter-211115"
    },
    {
      "rank": 2,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 453399,
        "slug": "tom-hammond-453399",
        "full_name": "Tom Hammond",
        "canonical_url": "https://lendb.ai/lo/tom-hammond-453399",
        "json_url": "https://lendb.ai/lo/tom-hammond-453399.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "CA",
          "GA",
          "MO",
          "NC",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-4357/thomas-hammond/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "20 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/tom-hammond-453399"
    },
    {
      "rank": 3,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 162320,
        "slug": "dawn-pemberton-162320",
        "full_name": "Dawn Rae Pemberton",
        "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320",
        "json_url": "https://lendb.ai/lo/dawn-pemberton-162320.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MN",
          "MO",
          "NM",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/dawn-pemberton-162320",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320"
    },
    {
      "rank": 4,
      "score": 56.3,
      "loan_officer": {
        "nmls_id": 1382057,
        "slug": "patricia-clay-1382057",
        "full_name": "Pat Clay",
        "canonical_url": "https://lendb.ai/lo/patricia-clay-1382057",
        "json_url": "https://lendb.ai/lo/patricia-clay-1382057.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Richmond",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "MD",
          "NC",
          "NH",
          "PA",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 10,
        "lender_profile_url": "https://branches.guildmortgage.com/va/richmond/pat-clay-613-chpc.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/patricia-clay-1382057"
    },
    {
      "rank": 5,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 255102,
        "slug": "john-coniglio-255102",
        "full_name": "John Coniglio",
        "canonical_url": "https://lendb.ai/lo/john-coniglio-255102",
        "json_url": "https://lendb.ai/lo/john-coniglio-255102.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Anderson",
          "state": "SC"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "IA",
          "IL",
          "MI",
          "MN",
          "NC",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": 18,
        "lender_profile_url": "https://branches.guildmortgage.com/sc/anderson/john-coniglio-524-chjcon.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/john-coniglio-255102"
    },
    {
      "rank": 6,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 659024,
        "slug": "justin-burris-659024",
        "full_name": "Justin Burris",
        "canonical_url": "https://lendb.ai/lo/justin-burris-659024",
        "json_url": "https://lendb.ai/lo/justin-burris-659024.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Raleigh",
          "state": "NC"
        },
        "licensed_states": [
          "AR",
          "NC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.fairway.com/lo/justin-burris-659024",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "20 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/justin-burris-659024"
    },
    {
      "rank": 7,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 397642,
        "slug": "gerald-brody-397642",
        "full_name": "Gerald Brody",
        "canonical_url": "https://lendb.ai/lo/gerald-brody-397642",
        "json_url": "https://lendb.ai/lo/gerald-brody-397642.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Southfield",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "IL",
          "MI",
          "NC",
          "NJ",
          "OH",
          "PA",
          "SC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/southfield-mi-2330/gerald-brody/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/gerald-brody-397642"
    },
    {
      "rank": 8,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 19372,
        "slug": "daniel-ventura-19372",
        "full_name": "Daniel Ventura",
        "canonical_url": "https://lendb.ai/lo/daniel-ventura-19372",
        "json_url": "https://lendb.ai/lo/daniel-ventura-19372.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Newburyport",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "ME",
          "NH",
          "VA",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 18,
        "lender_profile_url": "https://www.fairway.com/lo/daniel-ventura-19372",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "11 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-ventura-19372"
    },
    {
      "rank": 9,
      "score": 52.5,
      "loan_officer": {
        "nmls_id": 268035,
        "slug": "thomas-fazio-268035",
        "full_name": "Tom Fazio",
        "canonical_url": "https://lendb.ai/lo/thomas-fazio-268035",
        "json_url": "https://lendb.ai/lo/thomas-fazio-268035.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "St. Augustine",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 30,
        "lender_profile_url": "https://www.apmortgage.com/tom-fazio",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/thomas-fazio-268035"
    },
    {
      "rank": 10,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 485921,
        "slug": "michael-o-connor-485921",
        "full_name": "Michael O'Connor",
        "canonical_url": "https://lendb.ai/lo/michael-o-connor-485921",
        "json_url": "https://lendb.ai/lo/michael-o-connor-485921.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Hauppauge",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "GA",
          "MA",
          "MD",
          "NH",
          "NJ",
          "NY",
          "OH",
          "PA",
          "TN",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/hauppauge-ny-5021/michael-oconnor/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-o-connor-485921"
    },
    {
      "rank": 11,
      "score": 51,
      "loan_officer": {
        "nmls_id": 152707,
        "slug": "michael-inkman-152707",
        "full_name": "Michael Inkman",
        "canonical_url": "https://lendb.ai/lo/michael-inkman-152707",
        "json_url": "https://lendb.ai/lo/michael-inkman-152707.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Carrollton",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "KS",
          "KY",
          "LA",
          "OK",
          "TN",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/michael-inkman-152707",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-inkman-152707"
    },
    {
      "rank": 12,
      "score": 50,
      "loan_officer": {
        "nmls_id": 146985,
        "slug": "paula-bergfeld-146985",
        "full_name": "Paula Bergfeld, ChFC, CRMP",
        "canonical_url": "https://lendb.ai/lo/paula-bergfeld-146985",
        "json_url": "https://lendb.ai/lo/paula-bergfeld-146985.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Fishers",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/fishers-in-1691/paula-bergfeld/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/paula-bergfeld-146985"
    },
    {
      "rank": 13,
      "score": 50,
      "loan_officer": {
        "nmls_id": 244648,
        "slug": "christine-jensen-244648",
        "full_name": "Christine Jensen",
        "canonical_url": "https://lendb.ai/lo/christine-jensen-244648",
        "json_url": "https://lendb.ai/lo/christine-jensen-244648.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Arvada",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "KS",
          "NC",
          "NM",
          "OH",
          "OK",
          "SC",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/christine-jensen-244648",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/christine-jensen-244648"
    },
    {
      "rank": 14,
      "score": 50,
      "loan_officer": {
        "nmls_id": 600621,
        "slug": "crystal-rivera-600621",
        "full_name": "Crystal Rivera",
        "canonical_url": "https://lendb.ai/lo/crystal-rivera-600621",
        "json_url": "https://lendb.ai/lo/crystal-rivera-600621.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CT",
          "GA",
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