Loan programs · Virginia
USDA loan officers in Virginia
As of 2026-10-09, LenDb lists 104 loan officers licensed in or based in Virginia whose lender pages show USDA loan work. The top-ranked are Don Waters (Fairway Independent Mortgage Corporation, Clayton), Justin Burris (Fairway Independent Mortgage Corporation, Raleigh) and Lori Jule (Atlantic Coast Mortgage, Fairfax). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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
Don WatersNMLS 82361
Fairway Independent Mortgage Corporation · Clayton, NC · licensed in 11 states
- USDA loan
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Justin BurrisNMLS 659024
Fairway Independent Mortgage Corporation · Raleigh, NC · licensed in 4 states
- USDA loan
- First-time buyer
- FHA loan
- Reverse mortgage
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Lori JuleNMLS 190409
Atlantic Coast Mortgage · Fairfax, VA · licensed in 27 states
- USDA loan
- FHA loan
- Jumbo loan
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Office in Fairfax, VA
- Licensed since 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 4
Jolayne CraigNMLS 290277
Atlantic Coast Mortgage · Fredericksburg, VA · licensed in 4 states
- USDA loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Office in Fredericksburg, VA
- States 30 years of experience (lender page, 2026-10-09)
- 5
Sanj BangaNMLS 182553
TowneBank Mortgage · Bank · Glen Allen, VA
- USDA loan
- Construction loan
- FHA loan
- New construction
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Office in Glen Allen, VA
- States 25 years of experience (lender page, 2026-10-09)
- 6
Wayne PalkovicNMLS 201581
Embrace Home Loans · Martinsburg, WV · licensed in 4 states
- USDA loan
- FHA loan
- Jumbo loan
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- States 43 years of experience (lender page, 2026-10-09)
- 7
Jason InglishNMLS 934863
ALCOVA Mortgage · Cumberland, MD · licensed in 7 states
- USDA loan
- FHA loan
- First-time buyer
- Real estate investor
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 8
Tom FazioNMLS 268035
American Pacific Mortgage · St. Augustine, FL · licensed in 3 states
- USDA loan
- Construction loan
- FHA loan
- Reverse mortgage
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2010 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 9
Mark DavisonNMLS 155629
CrossCountry Mortgage · Virginia Beach, VA
- USDA loan
- Construction loan
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Office in Virginia Beach, VA
- States 28 years of experience (lender page, 2026-10-09)
- 10
Mei Mee YuenNMLS 808120
Loan Factory · Mortgage broker · licensed in 2 states
- USDA loan
- Down payment assistance
- FHA loan
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 11
Ray WardNMLS 264957
Atlantic Coast Mortgage · licensed in 2 states
- USDA loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- States 26 years of experience (lender page, 2026-10-09)
- 12
Amy GossNMLS 194181
Guild Mortgage · Jacksonville, NC · licensed in 12 states
- USDA loan
- FHA loan
- First-time buyer
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- 13
Ana B. AranaNMLS 204145
Atlantic Coast Mortgage · Fairfax, VA · licensed in 5 states
- USDA loan
- FHA loan
- VA loan
- Down payment assistance
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Office in Fairfax, VA
- Licensed since 2022 (per Florida records)
- States 26 years of experience (lender page, 2026-10-09)
- 14
Bruce RiderNMLS 311915
First Heritage Mortgage · Prince Frederick, MD · licensed in 2 states
- USDA loan
- Construction loan
- FHA loan
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 15
Haley HoytNMLS 1832547
First Home Mortgage · Dunkirk, MD · licensed in 4 states
- USDA loan
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- States 14 years of experience (lender page, 2026-10-09)
- 16
Mea DanigelisNMLS 770981
Atlantic Coast Mortgage · Fairfax, VA · licensed in 9 states
- USDA loan
- Construction loan
- FHA loan
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Office in Fairfax, VA
- Licensed since 2017 (per Florida records)
- 17
John SchmidlinNMLS 69847
Guild Mortgage · High Point, NC · licensed in 3 states
- USDA loan
- First-time buyer
- Real estate investor
- Construction loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- States 29 years of experience (lender page, 2026-10-09)
- 18
Matt MierasNMLS 245686
Guild Mortgage · Charleston, SC · licensed in 8 states
- USDA loan
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 19
Chad VogelNMLS 461953
Guild Mortgage · Columbia, MD · licensed in 5 states
- USDA loan
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- States 24 years of experience (lender page, 2026-10-09)
- 20
James IgbinoviaNMLS 626688
CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states
- USDA loan
- Self-employed
- Construction loan
- Jumbo loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 21
Jennifer MeyerNMLS 562072
Ruoff Mortgage · Wabash, IN · licensed in 5 states
- USDA loan
- First-time buyer
- Down payment assistance
- FHA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 16 years of experience (lender page, 2026-10-09)
- 22
Tiffany ArnoldNMLS 646417
NFM Lending · Richmond, VA · licensed in 13 states
- USDA loan
- FHA loan
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Office in Richmond, VA
- Licensed since 2021 (per Colorado records)
- 23
James McMurreyNMLS 2302283
CrossCountry Mortgage · Lacey, WA · licensed in 25 states
- USDA loan
- FHA loan
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- 24
Ken ByrneNMLS 187129
ALCOVA Mortgage · Chantilly, VA · licensed in 7 states
- USDA loan
- Bank statement loan
- DSCR loan
- FHA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Office in Chantilly, VA
- Licensed since 2025 (per Florida records)
- States 34 years of experience (lender page, 2026-10-09)
- 25
Aimee MinnisNMLS 1403192
NFM Lending · Linthicum, MD · licensed in 4 states
- USDA loan
- FHA loan
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Florida records)
Before you choose
Property location and household income limits must both qualify, and USDA approval adds time to the closing.
- Is this address in a USDA eligible area?
- Does my household income fall under the limit for this county?
- How long does USDA approval take with you right now?
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 VA license is confirmed with the state regulator (check mark), VA 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=usda&state=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.