Loan programs · Delaware
VA loan officers in Delaware
As of 2026-10-09, LenDb lists 71 loan officers licensed in or based in Delaware whose lender pages show VA loan work. The top-ranked are Ron Riccitelli Jr (CrossCountry Mortgage, Bel Air), Karla Melgar (Embrace Home Loans, La Plata) and Kenneth Johnson (CrossCountry Mortgage, Doylestown). Ranking is lender-neutral: specialty evidence first, then a license in DE, 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
Ron Riccitelli JrNMLS 144907
CrossCountry Mortgage · Bel Air, MD · licensed in 5 states
- VA loan
- FHA loan
- Jumbo loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 21 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 2
Karla MelgarNMLS 186602
Embrace Home Loans · La Plata, MD · licensed in 3 states
- VA loan
- New construction
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 52 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 3
Kenneth JohnsonNMLS 204926
CrossCountry Mortgage · Doylestown, PA · licensed in 3 states
- VA loan
- FHA loan
- First-time buyer
- HELOC
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 19 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 4
Jeff HalbertNMLS 71222
First Home Mortgage · Dunkirk, MD · licensed in 8 states
- VA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 5
Mark MinadeoNMLS 330121
Acrisure Mortgage (formerly FBC Mortgage) · Coconut Creek, FL · licensed in 2 states
- VA loan
- FHA loan
- Foreign national
- New construction
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 6
Mike EastmanNMLS 21108
First Heritage Mortgage · Fairfax, VA · licensed in 12 states
- VA loan
- FHA loan
- Jumbo loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 7
Amanda BroomallNMLS 900029
Guild Mortgage · Middletown, DE · licensed in 3 states
- VA loan
- Down payment assistance
- FHA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- Branch in Delaware
- 4 years licensed
- 8
Robert TaylorNMLS 132188
First Home Mortgage · Baltimore, MD · licensed in 7 states
- VA loan
- FHA loan
- Non-QM loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 9
Lori JuleNMLS 190409
Atlantic Coast Mortgage · Fairfax, VA · licensed in 27 states
- VA loan
- FHA loan
- Jumbo loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 10
Sheri BarberNMLS 243041
Union Home Mortgage · Rehoboth Beach, DE
- VA loan
- FHA loan
- USDA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- Branch in Delaware
- No disciplinary actions on file at LenDb
- 11
Mike WeinsteinNMLS 1185158
First Home Mortgage · Baltimore, MD · licensed in 5 states
- VA loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 12 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 12
Jerry BerryNMLS 109657
First Heritage Mortgage · licensed in 10 states
- VA loan
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 13
Sonia HashimiNMLS 965240
Loan Factory · licensed in 17 states
- VA loan
- FHA loan
- First-time buyer
- Real estate investor
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 14
Amore AzimiNMLS 1045180
Embrace Home Loans · Rockville, MD · licensed in 10 states
- VA loan
- Jumbo loan
- Real estate investor
- Rural property
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 15
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- VA loan
- DSCR loan
- FHA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 16
Michael HaggertyNMLS 525740
Embrace Home Loans · Rockville, MD · licensed in 4 states
- VA loan
- First-time buyer
- Real estate investor
- Self-employed
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (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
- 17
Chuck ButterfieldNMLS 176620
Churchill Mortgage · licensed in 20 states
- VA loan
- First-time buyer
- Real estate investor
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (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
- 18
Matthew FoxNMLS 151022
First Heritage Mortgage · Hanover, MD · licensed in 7 states
- VA loan
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 19
Jason NaderNMLS 313085
First Home Mortgage · Annapolis, MD · licensed in 7 states
- VA loan
- FHA loan
- First-time buyer
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 20
Craig Miller JrNMLS 686948
Guild Mortgage · Alexandria, VA · licensed in 8 states
- VA loan
- First-time buyer
- Jumbo loan
- Self-employed
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 21
Christopher PatilleNMLS 899769
CrossCountry Mortgage · Wilmington, DE · licensed in 12 states
- VA loan
- Non-QM loan
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- Branch in Delaware
- 12 years licensed
- 22
Martha PfeifferNMLS 1722079
CrossCountry Mortgage · Dover, DE
- VA loan
- FHA loan
- Vacation home
- Construction loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Branch in Delaware; no license list on file yet, verify at NMLS Consumer Access
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 23
Heidi GageNMLS 213769
NFM Lending · Linthicum, MD · licensed in 27 states
- VA loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 24
Marco GuerraNMLS 453621
Guild Mortgage · Santa Rosa, CA · licensed in 15 states
- VA loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 25
Dennis SullivanNMLS 170161
Southern Trust Mortgage · Annapolis, MD · licensed in 12 states
- VA loan
- FHA loan
- USDA loan
- Down payment assistance
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in DE (listed on lender page, verified 2026-10-09)
- 4 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 DE 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=DE. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.