Loan programs · California
VA loan officers in California
As of 2026-10-09, LenDb lists 761 loan officers licensed in or based in California whose lender pages show VA loan work. The top-ranked are Tonda Herndon (CrossCountry Mortgage, Vacaville), John Assily (CrossCountry Mortgage, Walnut Creek) and Eric Whitcomb (CrossCountry Mortgage, Cypress). Ranking is lender-neutral: specialty evidence first, then a license in CA, 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
Tonda HerndonNMLS 214647
CrossCountry Mortgage · Vacaville, CA
- VA loan
- FHA loan
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 28 years experience (stated on lender page, 2026-10-09)
- 2
John AssilyNMLS 291314
CrossCountry Mortgage · Walnut Creek, CA
- VA loan
- Construction loan
- FHA loan
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 3
Eric WhitcombNMLS 395360
CrossCountry Mortgage · Cypress, CA · licensed in 3 states
- VA loan
- Self-employed
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 25 years experience (stated on lender page, 2026-10-09)
- 4
Scott EvansNMLS 256163
CrossCountry Mortgage · San Diego, CA · licensed in 38 states
- VA loan
- Jumbo loan
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 13 years licensed
- 5
Maria LermaNMLS 344828
CrossCountry Mortgage · Walnut Creek, CA
- VA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 25 years experience (stated on lender page, 2026-10-09)
- 6
Vinesh GovindbhaiNMLS 2351425
CrossCountry Mortgage · Fairfield, CA
- VA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 11 years experience (stated on lender page, 2026-10-09)
- 7
Andy ScottNMLS 230325
Guild Mortgage · Walnut Creek, CA · licensed in 2 states
- VA loan
- Real estate investor
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 20 years experience (stated on lender page, 2026-10-09)
- 8
Troy BirdNMLS 277770
Guild Mortgage · Sacramento, CA
- VA loan
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 9
Rita CarusoNMLS 278812
Homeowners Financial Group · Discovery Bay, CA
- VA loan
- FHA loan
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 20 years experience (stated on lender page, 2026-10-09)
- 10
Steven Peter Mingham Jr.NMLS 289586
Guild Mortgage · Walnut Creek, CA · licensed in 3 states
- VA loan
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 11
Charles David KrauthNMLS 290286
Guild Mortgage · Walnut Creek, CA
- VA loan
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 25 years experience (stated on lender page, 2026-10-09)
- 12
Rick BuiNMLS 309803
Xpert Home Lending · Mortgage broker · California
- VA loan
- Bank statement loan
- Construction loan
- DSCR loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 13
Kurt R KesslerNMLS 365130
Barrett Financial Group · Mortgage broker · Carlsbad, CA
- VA loan
- DSCR loan
- FHA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 14
Beth FlureNMLS 2663278
Xpert Home Lending · Mortgage broker · California
- VA loan
- FHA loan
- First-time buyer
- Non-QM loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 40 years experience (stated on lender page, 2026-10-09)
- 15
Patty GrissomNMLS 350159
Guild Mortgage · Fresno, CA
- VA loan
- Down payment assistance
- FHA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 18 years experience (stated on lender page, 2026-10-09)
- 16
Karen CardNMLS 235218
American Pacific Mortgage · Dana Point, CA
- VA loan
- First-time buyer
- Self-employed
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 35 years experience (stated on lender page, 2026-10-09)
- 17
Gary ForwardNMLS 246757
American Pacific Mortgage · Dana Point, CA
- VA loan
- FHA loan
- Jumbo loan
- Condo
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 27 years experience (stated on lender page, 2026-10-09)
- 18
Gordon WeichlerNMLS 308099
American Pacific Mortgage · Roseville, CA
- VA loan
- HELOC
- Real estate investor
- Reverse mortgage
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 19
Diana LegaspiNMLS 1175742
Guild Mortgage · Morgan Hill, CA
- VA loan
- FHA loan
- Jumbo loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 18 years experience (stated on lender page, 2026-10-09)
- 20
Tera GreeneNMLS 304548
CrossCountry Mortgage · Yuma, AZ · licensed in 2 states
- VA loan
- Construction loan
- Down payment assistance
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (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
- 21
Cathy SabaterNMLS 373470
Empire Home Loans · Mortgage broker · San Diego, CA · licensed in 5 states
- VA loan
- First-time buyer
- Self-employed
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 14 years licensed
- 22
Ricardo PachecoNMLS 454956
CrossCountry Mortgage · Charlotte, NC · licensed in 3 states
- VA loan
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 22 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 23
Austin YagleNMLS 1883319
CrossCountry Mortgage · San Diego, CA · licensed in 13 states
- VA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 6 years licensed
- 24
Dawn Rae PembertonNMLS 162320
Fairway Independent Mortgage Corporation · Naples, FL · licensed in 21 states
- VA loan
- Reverse mortgage
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 25
Ryan GeorgeNMLS 5692
CrossCountry Mortgage · Frederick, MD · licensed in 21 states
- VA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Entitlement calculations, funding fee exemptions and VA appraisal rules reward a loan officer who closes VA loans often.
- How many VA loans have you closed in the last year?
- Can you check my remaining entitlement and funding fee status?
- How do you handle a low VA appraisal or the tidewater process?
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 CA 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=va&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.