--- canonical_url: https://lendb.ai/s/reverse/virginia last_verified: 2026-10-09 --- # Reverse mortgage loan officers in Virginia As of 2026-10-09, LenDb lists 50 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 Tom Hammond (CrossCountry Mortgage, Charlotte). Ranking is lender-neutral: specialty evidence first, then a license in VA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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 VA (listed on lender page, verified 2026-10-09) - Branch in Virginia - 11 years licensed - No disciplinary actions on file at LenDb 2. **[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 VA (listed on lender page, verified 2026-10-09) - Branch in Virginia - 8 years licensed - No disciplinary actions on file at LenDb 3. **[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 VA (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 4. **[Bill Gaylord](https://lendb.ai/lo/bill-gaylord-680603)** (NMLS 680603), Guild Mortgage, Henderson, NV - 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 5. **[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 VA (listed on lender page, verified 2026-10-09) - 15 years licensed - No disciplinary actions on file at LenDb 6. **[Tom Fazio](https://lendb.ai/lo/thomas-fazio-268035)** (NMLS 268035), American Pacific Mortgage, St. Augustine, FL - 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 7. **[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 VA (listed on lender page, verified 2026-10-09) - 12 years licensed - No disciplinary actions on file at LenDb 8. **[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 VA (listed on lender page, verified 2026-10-09) - 15 years licensed - No disciplinary actions on file at LenDb 9. **[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) - Licensed in VA (listed on lender page, verified 2026-10-09) - 15 years licensed - No disciplinary actions on file at LenDb 10. **[Daniel Ventura](https://lendb.ai/lo/daniel-ventura-19372)** (NMLS 19372), Fairway Independent Mortgage Corporation, Newburyport, MA - 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 - No disciplinary actions on file at LenDb 11. **[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 VA (listed on lender page, verified 2026-10-09) - 9 years licensed - No disciplinary actions on file at LenDb 12. **[Nick Kristoff](https://lendb.ai/lo/nicholas-kristoff-379253)** (NMLS 379253), CrossCountry Mortgage, Bluffton, SC - 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 13. **[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 VA (listed on lender page, verified 2026-10-09) - 9 years licensed - No disciplinary actions on file at LenDb 14. **[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) - Licensed in VA (listed on lender page, verified 2026-10-09) - 8 years licensed - No disciplinary actions on file at LenDb 15. **[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) - Licensed in VA (listed on lender page, verified 2026-10-09) - 5 years licensed - No disciplinary actions on file at LenDb 16. **[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) - Licensed in VA (listed on lender page, verified 2026-10-09) - 6 years licensed - No disciplinary actions on file at LenDb 17. **[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) - Licensed in VA (listed on lender page, verified 2026-10-09) - 4 years licensed - No disciplinary actions on file at LenDb 18. **[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) - Licensed in VA (listed on lender page, verified 2026-10-09) - 4 years licensed - No disciplinary actions on file at LenDb 19. **[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 VA (listed on lender page, verified 2026-10-09) - 14 years licensed - No disciplinary actions on file at LenDb 20. **[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 VA (listed on lender page, verified 2026-10-09) - 5 years licensed - No disciplinary actions on file at LenDb 21. **[Anthony Byrnes](https://lendb.ai/lo/anthony-byrnes-133647)** (NMLS 133647), CrossCountry Mortgage, Wayne, PA - 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 22. **[Brian Mcrae](https://lendb.ai/lo/brian-scott-mcrae-2214972)** (NMLS 2214972), Fairway Independent Mortgage Corporation, Austin, TX - 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 23. **[Patrick Ortiz](https://lendb.ai/lo/patrick-ortiz-209728)** (NMLS 209728), CrossCountry Mortgage, Newport Beach, CA - 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 24. **[Dan Dawes](https://lendb.ai/lo/dan-dawes-450255)** (NMLS 450255), Guild Mortgage, Columbia, MD - 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 25. **[Courtney Velvin](https://lendb.ai/lo/courtney-velvin-1639594)** (NMLS 1639594), Guild Mortgage, Greenwood Village, CO - 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 ## 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/virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._