Property types · Florida

Rural property loan officers in Florida

As of 2026-10-10, LenDb lists 6 loan officers licensed in or based in Florida whose lender pages show Rural property work. The top-ranked are Brian Reeve (Neighborhood Loans), Joseph Geffert (Loan Factory) and Ed Buck (American Pacific Mortgage, Port Charlotte). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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 6

  1. 1

    Brian ReeveNMLS 694300

    Neighborhood Loans

    • Rural property
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO104951), verified 2026-10-09
    • Lists Rural property on lender page (lender page, verified 2026-10-10)
    • Licensed since 2022 (per Florida records)
    • States 28 years of experience (lender page, 2026-10-10)
  2. 2

    Joseph GeffertNMLS 186479

    Loan Factory · Mortgage broker · Kentucky · licensed in 8 states

    • Rural property
    • USDA loan
    • VA loan
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO130319), verified 2026-10-09
    • Lists Rural property on lender page (lender page, verified 2026-10-09)
    • Licensed since 2024 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-09)
  3. 3

    Ed BuckNMLS 224126

    American Pacific Mortgage · Port Charlotte, FL · licensed in 3 states

    • Rural property
    • First-time buyer
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO1517), verified 2026-10-09
    • Lists Rural property on lender page (lender page, verified 2026-10-09)
    • Office in Port Charlotte, FL
    • Licensed since 2011 (per Florida records)
  4. 4

    Kevin O'ConnellNMLS 279865

    Guild Mortgage · Washington, MO · licensed in 3 states

    • Rural property
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO96625), verified 2026-10-09
    • Lists Rural property on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
  5. 5

    Ross McGhieNMLS 1923568

    Loan Factory · Mortgage broker · licensed in 2 states

    • Rural property
    • First-time buyer
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO66333), verified 2026-10-09
    • Lists Rural property on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
  6. 6

    Cyntia EricksonNMLS 2685264

    Loan Factory · Mortgage broker · licensed in 2 states

    • Rural property
    • FL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Rural property on lender page (lender page, verified 2026-10-09)

Before you choose

Appraisals lack comparable sales, and acreage limits, outbuildings and water or septic inspections can derail approval.

  • What is your maximum acreage, and how do you treat outbuildings?
  • Do you have appraisers who know rural properties in this county?
  • Does this location qualify for USDA financing?

More about Rural property

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 FL license is confirmed with the state regulator (check mark), FL 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=rural&state=FL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.