Loan programs · Virginia
VA loan officers in Virginia
As of 2026-10-09, LenDb lists 408 loan officers licensed in or based in Virginia whose lender pages show VA loan work. The top-ranked are John Csoka Jr. (CrossCountry Mortgage, Fairfax), Kelly Fischer (Guild Mortgage, Fairfax) and Ryan George (CrossCountry Mortgage, Frederick). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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
John Csoka Jr.NMLS 212307
CrossCountry Mortgage · Fairfax, VA · licensed in 3 states
- VA loan
- FHA loan
- Non-QM loan
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Fairfax, VA
- Licensed since 2022 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 2
Kelly FischerNMLS 476360
Guild Mortgage · Fairfax, VA · licensed in 5 states
- VA loan
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Fairfax, VA
- Licensed since 2015 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 3
Ryan GeorgeNMLS 5692
CrossCountry Mortgage · Frederick, MD · licensed in 21 states
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 4
Don WatersNMLS 82361
Fairway Independent Mortgage Corporation · Clayton, NC · licensed in 11 states
- VA loan
- USDA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 5
Eric StengerNMLS 229964
Guild Mortgage · Martinsburg, WV · licensed in 6 states
- VA loan
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 6
Bill HylindNMLS 284943
CrossCountry Mortgage · North Bethesda, MD · licensed in 8 states
- VA loan
- Jumbo loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 7
Jimmy KinleyNMLS 287498
Guild Mortgage · Highlands Ranch, CO · licensed in 3 states
- VA loan
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 8
Jessica EnfingerNMLS 513123
CrossCountry Mortgage · Columbia, MD · licensed in 9 states
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 9
Michael RepshasNMLS 1025235
Guild Mortgage · McLean, VA · licensed in 6 states
- VA loan
- Jumbo loan
- Real estate investor
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in McLean, VA
- Licensed since 2019 (per Florida records)
- States 14 years of experience (lender page, 2026-10-09)
- 10
Gregory TilyNMLS 1720774
CrossCountry Mortgage · Tampa, FL · licensed in 21 states
- VA loan
- Jumbo loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 11
Aaron SandersNMLS 2555076
CrossCountry Mortgage · Delray Beach, FL · licensed in 19 states
- VA loan
- First-time buyer
- Real estate investor
- Construction loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 12
Robert HoyNMLS 476444
Guild Mortgage · Chantilly, VA · licensed in 4 states
- VA loan
- Self-employed
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Chantilly, VA
- States 12 years of experience (lender page, 2026-10-09)
- 13
Bobby LuuNMLS 185192
American Pacific Mortgage · Reston, VA · licensed in 8 states
- VA loan
- FHA loan
- First-time buyer
- Jumbo loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Reston, VA
- Licensed since 2022 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 14
Stephen FosterNMLS 629844
Loan Factory · Mortgage broker · licensed in 2 states
- VA loan
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 15
Michael CiresiNMLS 532665
CrossCountry Mortgage · York, PA · licensed in 5 states
- VA loan
- FHA loan
- First-time buyer
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 16
Justin BurrisNMLS 659024
Fairway Independent Mortgage Corporation · Raleigh, NC · licensed in 4 states
- VA loan
- First-time buyer
- FHA loan
- Reverse mortgage
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 17
Lori JuleNMLS 190409
Atlantic Coast Mortgage · Fairfax, VA · licensed in 27 states
- VA loan
- FHA loan
- Jumbo loan
- USDA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Fairfax, VA
- Licensed since 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 18
Brian BonnetNMLS 224811
Atlantic Coast Mortgage · Alexandria, VA · licensed in 3 states
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Alexandria, VA
- Licensed since 2017 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 19
Jolayne CraigNMLS 290277
Atlantic Coast Mortgage · Fredericksburg, VA · licensed in 4 states
- VA loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- USDA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Fredericksburg, VA
- States 30 years of experience (lender page, 2026-10-09)
- 20
Melissa BellNMLS 450558
Atlantic Coast Mortgage · Fairfax, VA · licensed in 14 states
- VA loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Fairfax, VA
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 21
James F. GaudiosiNMLS 474088
Atlantic Coast Mortgage · Fairfax, VA · licensed in 3 states
- VA loan
- Construction loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Fairfax, VA
- States 23 years of experience (lender page, 2026-10-09)
- 22
Dawn Rae PembertonNMLS 162320
Fairway Independent Mortgage Corporation · Naples, FL · licensed in 21 states
- VA loan
- Reverse mortgage
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- 23
Nathan FitzgeraldNMLS 369554
CrossCountry Mortgage · Orlando, FL · licensed in 15 states
- VA loan
- First-time buyer
- Renovation loan (203k / HomeStyle)
- HELOC
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 24
Pat ClayNMLS 1382057
Guild Mortgage · Richmond, VA · licensed in 14 states
- VA loan
- Reverse mortgage
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Richmond, VA
- Licensed since 2018 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 25
Kevin MahoneyNMLS 233783
Embrace Home Loans · Fairfax, VA · licensed in 3 states
- VA loan
- Jumbo loan
- VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists VA loan on lender page (lender page, verified 2026-10-09)
- Office in Fairfax, VA
- States 30 years of experience (lender page, 2026-10-09)
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 are listed when a VA license is confirmed with the state regulator (check mark), VA is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=va&state=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.