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Loan programs · Washington

Reverse mortgage loan officers in Washington

As of 2026-10-09, LenDb lists 80 loan officers licensed in or based in Washington whose lender pages show Reverse mortgage work. The top-ranked are Shelley Covington (Intercap Lending, Kirkland), Michael Donald Smith (Guild Mortgage, Bellevue) and Michael Dubrule (American Pacific Mortgage, Yakima). Ranking is lender-neutral: specialty evidence first, then a license in WA, 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

    Shelley CovingtonNMLS 102076

    Intercap Lending · Kirkland, WA · licensed in 3 states

    • Reverse mortgage
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 25 years experience (stated on lender page, 2026-10-09)
  2. 2

    Michael Donald SmithNMLS 280567

    Guild Mortgage · Bellevue, WA

    • Reverse mortgage
    • First-time buyer
    • Real estate investor
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 20 years experience (stated on lender page, 2026-10-09)
  3. 3

    Michael DubruleNMLS 92043

    American Pacific Mortgage · Yakima, WA · licensed in 4 states

    • Reverse mortgage
    • Construction loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 33 years experience (stated on lender page, 2026-10-09)
  4. 4

    Kim WilsonNMLS 92897

    Guild Mortgage · Vancouver, WA · licensed in 2 states

    • Reverse mortgage
    • First-time buyer
    • Real estate investor
    • Down payment assistance
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 20 years experience (stated on lender page, 2026-10-09)
  5. 5

    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 WA (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
  6. 6

    Rose KriegerNMLS 1376145

    Churchill Mortgage · Spokane Valley, WA

    • Reverse mortgage
    • FHA loan
    • First-time buyer
    • Real estate investor
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 7 years experience (stated on lender page, 2026-10-09)
  7. 7

    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 WA (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Richard GrossmanNMLS 2108667

    American Pacific Mortgage · Tualatin, OR · licensed in 3 states

    • Reverse mortgage
    • Real estate investor
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (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
  9. 9

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

    Tom RussellNMLS 489545

    Guild Mortgage · Wilsonville, OR · licensed in 5 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 30 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  11. 11

    Christopher GibsonNMLS 1910430

    C2 Financial Corporation · Denver, WA · licensed in 2 states

    • Reverse mortgage
    • 1099 income
    • Bank statement loan
    • DSCR loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 2 years licensed
  12. 12

    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 WA (listed on lender page, verified 2026-10-09)
    • 11 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Heidi GreenNMLS 344768

    CrossCountry Mortgage · Seattle, WA · licensed in 5 states

    • Reverse mortgage
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 20 years experience (stated on lender page, 2026-10-09)
  14. 14

    Preston FroulaNMLS 2092118

    Guild Mortgage · Yakima, WA · licensed in 2 states

    • Reverse mortgage
    • Construction loan
    • Down payment assistance
    • FHA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • No disciplinary actions on file at LenDb
  15. 15

    George PressleyNMLS 94040

    Loan Factory · Washington

    • Reverse mortgage
    • 1099 income
    • Asset-based qualifying
    • Bank statement loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 30 years experience (stated on lender page, 2026-10-09)
  16. 16

    Chris LeeNMLS 201715

    Guild Mortgage · San Diego, CA · licensed in 14 states

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

    Brandon HansenNMLS 283559

    Guild Mortgage · Toquerville, UT · licensed in 11 states

    • Reverse mortgage
    • Asset-based qualifying
    • Real estate investor
    • Bank statement loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    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 WA (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Thomas LakeNMLS 311824

    Guild Mortgage · San Diego, CA · licensed in 15 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    David MoeNMLS 131601

    Fairway Independent Mortgage Corporation · Spokane, WA

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
    • 30 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Laurel KeaneNMLS 132280

    CrossCountry Mortgage · Seattle, WA

    • Reverse mortgage
    • FHA loan
    • First-time buyer
    • VA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
    • 30 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  22. 22

    Robert WhiteNMLS 2002161

    Guild Mortgage · San Diego, CA · licensed in 8 states

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

    Shannon McDonaldNMLS 1752438

    Evergreen Home Loans · Bellevue, WA

    • Reverse mortgage
    • FHA loan
    • VA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
    • 19 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  24. 24

    Georgina OlsenNMLS 11910

    Guild Mortgage · Spokane, WA · licensed in 2 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • No disciplinary actions on file at LenDb
  25. 25

    Marco GuerraNMLS 453621

    Guild Mortgage · Santa Rosa, CA · licensed in 15 states

    • Reverse mortgage
    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (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 WA 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=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.