Loan programs · Texas
VA loan officers in Texas
As of 2026-10-09, LenDb lists 629 loan officers licensed in or based in Texas whose lender pages show VA loan work. The top-ranked are Melinda Munoz (Union Home Mortgage), James Ward (Fairway Independent Mortgage Corporation, Houston) and Debbie Hardee (Union Home Mortgage, League City). Ranking is lender-neutral: specialty evidence first, then a license in TX, 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
Melinda MunozNMLS 293463
Union Home Mortgage · Texas
- VA loan
- Down payment assistance
- First-time buyer
- Real estate investor
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 26 years experience (stated on lender page, 2026-10-09)
- 2
James WardNMLS 168854
Fairway Independent Mortgage Corporation · Houston, TX · licensed in 2 states
- VA loan
- FHA loan
- First-time buyer
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 25 years experience (stated on lender page, 2026-10-09)
- 3
Debbie HardeeNMLS 179988
Union Home Mortgage · League City, TX
- VA loan
- FHA loan
- First-time buyer
- New construction
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 20 years experience (stated on lender page, 2026-10-09)
- 4
Ashley Van MeterNMLS 274016
Guild Mortgage · Kingwood, TX
- VA loan
- Down payment assistance
- DSCR loan
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 20 years experience (stated on lender page, 2026-10-09)
- 5
Kyle CarringtonNMLS 349423
Guild Mortgage · Austin, TX
- VA loan
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 16 years experience (stated on lender page, 2026-10-09)
- 6
Randy KeyNMLS 190053
Churchill Mortgage · Dallas, TX · licensed in 12 states
- VA loan
- FHA loan
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 10 years licensed
- 7
Christopher CookNMLS 1037205
Xpert Home Lending · Texas
- VA loan
- DSCR loan
- FHA loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 9 years licensed
- 8
Chris ArmbrusterNMLS 1141561
Union Home Mortgage · Roanoke, TX · licensed in 10 states
- VA loan
- First-time buyer
- New construction
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 9 years licensed
- 9
Gina ZaveskyNMLS 1852924
Union Home Mortgage · Victoria, TX
- VA loan
- FHA loan
- First-time buyer
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 7 years licensed
- 10
Alona HayesNMLS 180226
Guild Mortgage · Lawton, OK · licensed in 6 states
- VA loan
- Down payment assistance
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 11
Andrew SchmidtNMLS 201143
Churchill Mortgage · Scottsdale, AZ · licensed in 7 states
- VA loan
- FHA loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 12
Rachelle CoffeyNMLS 203664
Homeowners Financial Group · Scottsdale, AZ · licensed in 10 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 TX (listed on lender page, verified 2026-10-09)
- 27 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 13
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 TX (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
- 14
Cherie SmithNMLS 570248
Guild Mortgage · Redmond, OR · licensed in 9 states
- VA loan
- FHA loan
- First-time buyer
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 15
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 TX (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 16
Dan LongmanNMLS 369430
NFM Lending · Plantation, FL · licensed in 7 states
- VA loan
- FHA loan
- First-time buyer
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 17
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 TX (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 18
Cathy SabaterNMLS 373470
Empire Home Loans · 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 TX (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 19
Erika AlvesNMLS 659544
CrossCountry Mortgage · Tampa, FL · licensed in 4 states
- VA loan
- Construction loan
- FHA loan
- USDA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 20
Jackson ThomasNMLS 1190420
CrossCountry Mortgage · Dallas, TX · licensed in 21 states
- VA loan
- FHA loan
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 4 years licensed
- 21
Ryne BernalNMLS 2052424
Churchill Mortgage · Allen, TX · licensed in 5 states
- VA loan
- FHA loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 5 years experience (stated on lender page, 2026-10-09)
- 22
Ed Rowe IIINMLS 262647
Loan Factory · Texas
- VA loan
- Down payment assistance
- FHA loan
- HELOC
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 7 years experience (stated on lender page, 2026-10-09)
- 23
Michael DeWittNMLS 129465
Highlands Residential Mortgage · Allen, TX · licensed in 4 states
- VA loan
- FHA loan
- First-time buyer
- Jumbo loan
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 5 years licensed
- 24
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 TX (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 25
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 TX (listed on lender page, verified 2026-10-09)
- 13 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 TX 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=TX. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.