---
canonical_url: https://lendb.ai/s/va/pennsylvania
last_verified: 2026-10-09
---

# VA loan officers in Pennsylvania

As of 2026-10-09, LenDb lists 130 loan officers licensed in or based in Pennsylvania whose lender pages show VA loan work. The top-ranked are Charles Naivar (CrossCountry Mortgage, Lansdale), Michael Miley (CrossCountry Mortgage, Reading) and Larry Ahner (CrossCountry Mortgage, Palmerton). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Charles Naivar](https://lendb.ai/lo/charles-naivar-111399)** (NMLS 111399), CrossCountry Mortgage, Lansdale, PA
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Office in Lansdale, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 73912), verified 2026-10-09
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Michael Miley](https://lendb.ai/lo/michael-miley-413510)** (NMLS 413510), CrossCountry Mortgage, Reading, PA
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Office in Reading, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 74685), verified 2026-10-09
   - Licensed since 2022 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
3. **[Larry Ahner](https://lendb.ai/lo/larry-ahner-535333)** (NMLS 535333), CrossCountry Mortgage, Palmerton, PA
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Office in Palmerton, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 36378), verified 2026-10-09
   - States 20 years of experience (lender page, 2026-10-09)
4. **[Kristopher Derewal](https://lendb.ai/lo/kristopher-derewal-133750)** (NMLS 133750), Newrez, Fort Washington, PA
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Office in Fort Washington, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 26093), verified 2026-10-09
   - Licensed since 2011 (per Colorado records)
5. **[Eric Stenger](https://lendb.ai/lo/eric-stenger-229964)** (NMLS 229964), Guild Mortgage, Martinsburg, WV
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 75853), verified 2026-10-09
   - Licensed since 2020 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
6. **[Jessica Enfinger](https://lendb.ai/lo/jessica-enfinger-513123)** (NMLS 513123), CrossCountry Mortgage, Columbia, MD
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 94908), verified 2026-10-09
   - Licensed since 2021 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
7. **[Domonique Gray](https://lendb.ai/lo/domonique-gray-900558)** (NMLS 900558), Churchill Mortgage, Brentwood, TN
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 113235), verified 2026-10-09
   - Licensed since 2023 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
8. **[Jason Inglish](https://lendb.ai/lo/jason-inglish-934863)** (NMLS 934863), ALCOVA Mortgage, Cumberland, MD
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 69795), verified 2026-10-09
   - Licensed since 2022 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
9. **[Kenneth Johnson](https://lendb.ai/lo/kenneth-johnson-204926)** (NMLS 204926), CrossCountry Mortgage, Doylestown, PA
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Office in Doylestown, PA
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 19 years of experience (lender page, 2026-10-09)
10. **[Jeri Shoop](https://lendb.ai/lo/jeri-shoop-224331)** (NMLS 224331), Xpert Home Lending
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 123193), verified 2026-10-09
   - Licensed since 2007 (per Colorado records)
   - States 27 years of experience (lender page, 2026-10-09)
11. **[Morgan Cowle](https://lendb.ai/lo/morgan-cowle-40312)** (NMLS 40312), Churchill Mortgage, Brentwood, TN
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 43933), verified 2026-10-09
   - Licensed since 2013 (per Colorado records)
   - States 18 years of experience (lender page, 2026-10-09)
12. **[Barry Koven](https://lendb.ai/lo/barry-koven-404510)** (NMLS 404510), CrossCountry Mortgage, Brooklyn, NY
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 70437), verified 2026-10-09
   - Licensed since 2019 (per Florida records)
   - States 18 years of experience (lender page, 2026-10-09)
13. **[Mark Minadeo](https://lendb.ai/lo/mark-minadeo-330121)** (NMLS 330121), Acrisure Mortgage (formerly FBC Mortgage), Coconut Creek, FL
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 119150), verified 2026-10-09
   - Licensed since 2010 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
14. **[Michael Ciresi](https://lendb.ai/lo/michael-ciresi-532665)** (NMLS 532665), CrossCountry Mortgage, York, PA
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Office in York, PA
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
   - States 22 years of experience (lender page, 2026-10-09)
15. **[Susan Howe](https://lendb.ai/lo/susan-howe-848400)** (NMLS 848400), Fairway Independent Mortgage Corporation, Foxboro, MA
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 113641), verified 2026-10-09
   - Licensed since 2020 (per Florida records)
   - States 25 years of experience (lender page, 2026-10-09)
16. **[Dawn Rae Pemberton](https://lendb.ai/lo/dawn-pemberton-162320)** (NMLS 162320), Fairway Independent Mortgage Corporation, Naples, FL
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 117900), verified 2026-10-09
   - Licensed since 2011 (per Florida records)
17. **[Nathan Fitzgerald](https://lendb.ai/lo/nathan-fitzgerald-369554)** (NMLS 369554), CrossCountry Mortgage, Orlando, FL
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 63943), verified 2026-10-09
   - Licensed since 2022 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)
18. **[Ryan Nicholas Magnus](https://lendb.ai/lo/ryan-magnus-1638730)** (NMLS 1638730), Newrez, Fort Washington, PA
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Office in Fort Washington, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 62435), verified 2026-10-09
   - Licensed since 2017 (per Colorado records)
19. **[John Astrologo](https://lendb.ai/lo/john-astrologo-441861)** (NMLS 441861), CrossCountry Mortgage, White Plains, NY
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 97719), verified 2026-10-09
   - Licensed since 2022 (per Florida records)
   - States 16 years of experience (lender page, 2026-10-09)
20. **[Ryan George](https://lendb.ai/lo/ryan-george-5692)** (NMLS 5692), CrossCountry Mortgage, Frederick, MD
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2011 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
21. **[Don Waters](https://lendb.ai/lo/donald-waters-82361)** (NMLS 82361), Fairway Independent Mortgage Corporation, Clayton, NC
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2015 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
22. **[Ron Riccitelli Jr](https://lendb.ai/lo/ron-riccitelli-jr-144907)** (NMLS 144907), CrossCountry Mortgage, Bel Air, MD
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 21 years of experience (lender page, 2026-10-09)
23. **[James Ward](https://lendb.ai/lo/james-ward-168854)** (NMLS 168854), Fairway Independent Mortgage Corporation, Houston, TX
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 25 years of experience (lender page, 2026-10-09)
24. **[Wayne Palkovic](https://lendb.ai/lo/wayne-palkovic-201581)** (NMLS 201581), Embrace Home Loans, Martinsburg, WV
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 43 years of experience (lender page, 2026-10-09)
25. **[Laura Reese](https://lendb.ai/lo/laura-reese-224067)** (NMLS 224067), First Home Mortgage, Bel Air, MD
   - Lists VA loan on lender page (lender page, verified 2026-10-09)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)
   - States 21 years of experience (lender page, 2026-10-09)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/va/pennsylvania.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._