--- canonical_url: https://lendb.ai/s/va/virginia last_verified: 2026-10-09 --- # VA loan officers in Virginia As of 2026-10-09, LenDb lists 329 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 Bobby Luu (American Pacific Mortgage, Reston). Ranking is lender-neutral: specialty evidence first, then a license in VA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[John Csoka Jr.](https://lendb.ai/lo/john-csoka-212307)** (NMLS 212307), CrossCountry Mortgage, Fairfax, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Fairfax, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 2. **[Kelly Fischer](https://lendb.ai/lo/kelly-fischer-476360)** (NMLS 476360), Guild Mortgage, Fairfax, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Fairfax, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 3. **[Bobby Luu](https://lendb.ai/lo/hong-luu-185192)** (NMLS 185192), American Pacific Mortgage, Reston, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Reston, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 4. **[Brian Bonnet](https://lendb.ai/lo/brian-bonnet-224811)** (NMLS 224811), Atlantic Coast Mortgage, Alexandria, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Alexandria, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 5. **[Jocelyn Lasher](https://lendb.ai/lo/jocelyn-lasher-390711)** (NMLS 390711), Atlantic Coast Mortgage, Fairfax, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Fairfax, VA - VA 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) 6. **[Melissa Bell](https://lendb.ai/lo/melissa-bell-450558)** (NMLS 450558), Atlantic Coast Mortgage, Fairfax, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Fairfax, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 7. **[James F. Gaudiosi](https://lendb.ai/lo/james-f-gaudiosi-474088)** (NMLS 474088), Atlantic Coast Mortgage, Fairfax, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Fairfax, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-09) 8. **[Mea Danigelis](https://lendb.ai/lo/maria-danigelis-770981)** (NMLS 770981), Atlantic Coast Mortgage, Fairfax, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Fairfax, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 9. **[Ken Byrne](https://lendb.ai/lo/kenneth-byrne-187129)** (NMLS 187129), ALCOVA Mortgage, Chantilly, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Chantilly, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 34 years of experience (lender page, 2026-10-09) 10. **[Sanj Banga](https://lendb.ai/lo/sanj-banga-182553)** (NMLS 182553), TowneBank Mortgage, Glen Allen, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Glen Allen, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 25 years of experience (lender page, 2026-10-09) 11. **[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) - VA 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) 12. **[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) - VA 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) 13. **[Karla Melgar](https://lendb.ai/lo/karla-melgar-186602)** (NMLS 186602), Embrace Home Loans, La Plata, MD - Lists VA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 52 years of experience (lender page, 2026-10-09) 14. **[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) - VA 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) 15. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 16. **[Bill Hylind](https://lendb.ai/lo/william-hylind-284943)** (NMLS 284943), CrossCountry Mortgage, North Bethesda, MD - Lists VA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 17. **[Jimmy Kinley](https://lendb.ai/lo/james-kinley-287498)** (NMLS 287498), Guild Mortgage, Highlands Ranch, CO - Lists VA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 18. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 19. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 20. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 21. **[Michael Repshas](https://lendb.ai/lo/michael-repshas-1025235)** (NMLS 1025235), Guild Mortgage, McLean, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in McLean, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 22. **[Gregory Tily](https://lendb.ai/lo/gregory-tily-1720774)** (NMLS 1720774), CrossCountry Mortgage, Tampa, FL - Lists VA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 23. **[Aaron Sanders](https://lendb.ai/lo/aaron-sanders-2555076)** (NMLS 2555076), CrossCountry Mortgage, Delray Beach, FL - Lists VA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 24. **[Bruce Alan Dorsey](https://lendb.ai/lo/bruce-dorsey-174898)** (NMLS 174898), NFM Lending, Linthicum Heights, MD - Lists VA loan on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) - States 19 years of experience (lender page, 2026-10-09) 25. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) - States 27 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/virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._