Loan programs · Maryland
VA loan officers in Maryland
As of 2026-10-09, LenDb lists 247 loan officers licensed in or based in Maryland 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 Jeff Halbert (First Home Mortgage, Dunkirk). Ranking is lender-neutral: specialty evidence first, then a license in MD, 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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 21 years experience (stated on lender page, 2026-10-09)
- 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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 52 years experience (stated on lender page, 2026-10-09)
- 3
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 15 years licensed
- 4
Bruce RiderNMLS 311915
First Heritage Mortgage · Prince Frederick, MD · licensed in 2 states
- VA loan
- Construction loan
- FHA loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 20 years experience (stated on lender page, 2026-10-09)
- 5
Bruce Alan DorseyNMLS 174898
NFM Lending · Linthicum Heights, MD · licensed in 4 states
- VA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 14 years licensed
- 6
Kevin HolmesNMLS 193246
NFM Lending · Linthicum, MD · licensed in 23 states
- VA loan
- FHA loan
- First-time buyer
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 14 years licensed
- 7
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 15 years licensed
- 8
Michael Alan WendorfNMLS 109568
Newrez · Columbia, MD · licensed in 9 states
- VA loan
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 10 years licensed
- 9
Aimee MinnisNMLS 1403192
NFM Lending · Linthicum, MD · licensed in 4 states
- VA loan
- FHA loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 10 years licensed
- 10
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 12 years experience (stated on lender page, 2026-10-09)
- 11
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 9 years licensed
- 12
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 8 years licensed
- 13
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 30 years experience (stated on lender page, 2026-10-09)
- 14
Ken PowellNMLS 2656628
Fairway Independent Mortgage Corporation · Hughesville, MD · licensed in 2 states
- VA loan
- Down payment assistance
- Self-employed
- Foreign national
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 10 years experience (stated on lender page, 2026-10-09)
- 15
Scott EisgrauNMLS 139186
Atlantic Coast Mortgage · Owings Mills, MD · licensed in 6 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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 9 years licensed
- 16
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 11 years licensed
- 17
Wayne PalkovicNMLS 201581
Embrace Home Loans · Martinsburg, WV · licensed in 4 states
- VA loan
- FHA loan
- Jumbo loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 43 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 18
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 6 years licensed
- 19
Bryan SumardiNMLS 1984869
CrossCountry Mortgage · North Bethesda, MD · licensed in 5 states
- VA loan
- Real estate investor
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 6 years licensed
- 20
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 5 years licensed
- 21
Bill HylindNMLS 284943
CrossCountry Mortgage · North Bethesda, MD · licensed in 8 states
- VA loan
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 5 years licensed
- 22
Jessica EnfingerNMLS 513123
CrossCountry Mortgage · Columbia, MD · licensed in 9 states
- VA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 5 years licensed
- 23
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 MD (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 24
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 4 years licensed
- 25
Andrea TroutNMLS 183903
Guild Mortgage · Columbia, MD · licensed in 5 states
- VA loan
- FHA loan
- First-time buyer
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 4 years licensed
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 MD 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=MD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.