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Loan programs · West Virginia

Reverse mortgage loan officers in West Virginia

As of 2026-10-09, LenDb lists 7 loan officers licensed in or based in West Virginia whose lender pages show Reverse mortgage work. The top-ranked are Tom Hammond (CrossCountry Mortgage, Charlotte), Melissa Harrison, RMA® (CrossCountry Mortgage, Denville) and Pat Clay (Guild Mortgage, Richmond). Ranking is lender-neutral: specialty evidence first, then a license in WV, 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 7

  1. 1

    Tom HammondNMLS 453399

    CrossCountry Mortgage · Charlotte, NC · licensed in 9 states

    • Reverse mortgage
    • WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Melissa Harrison, RMA®NMLS 2752622

    CrossCountry Mortgage · Denville, NJ · licensed in 7 states

    • Reverse mortgage
    • WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2026 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-09)
  3. 3

    Pat ClayNMLS 1382057

    Guild Mortgage · Richmond, VA · licensed in 14 states

    • Reverse mortgage
    • VA loan
    • WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
    • States 10 years of experience (lender page, 2026-10-09)
  4. 4

    Sarena TalbertNMLS 1043739

    CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states

    • Reverse mortgage
    • Jumbo loan
    • Non-QM loan
    • WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 28 years of experience (lender page, 2026-10-09)
  5. 5

    Derek HelmsNMLS 1494137

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

    • Reverse mortgage
    • WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Florida records)
  6. 6

    Laurie MacNaughtonNMLS 506562

    Atlantic Coast Mortgage · licensed in 10 states

    • Reverse mortgage
    • WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed since 2024 (per Florida records)
  7. 7

    Peter CorumNMLS 189214

    CrossCountry Mortgage · Martinsburg, WV · licensed in 5 states

    • Reverse mortgage
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Office in Martinsburg, WV

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 are listed when a WV license is confirmed with the state regulator (check mark), WV is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=reverse&state=WV. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.