---
canonical_url: https://lendb.ai/s/reverse/west-virginia
last_verified: 2026-10-09
---

# 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.

## Ranked, with reasons

1. **[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)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Melissa Harrison, RMA®](https://lendb.ai/lo/melissa-harrison-2752622)** (NMLS 2752622), CrossCountry Mortgage, Denville, NJ
   - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
3. **[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)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
4. **[Sarena Talbert](https://lendb.ai/lo/sarena-talbert-1043739)** (NMLS 1043739), CrossCountry Mortgage, Newport Beach, CA
   - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
   - States 28 years of experience (lender page, 2026-10-09)
5. **[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)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2020 (per Florida records)
6. **[Laurie MacNaughton](https://lendb.ai/lo/laurie-macnaughton-506562)** (NMLS 506562), Atlantic Coast Mortgage
   - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2024 (per Florida records)
7. **[Peter Corum](https://lendb.ai/lo/peter-corum-189214)** (NMLS 189214), CrossCountry Mortgage, Martinsburg, WV
   - Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
   - Office in Martinsburg, WV
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## 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/west-virginia.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._