Loan programs · West Virginia
VA loan officers in West Virginia
As of 2026-10-09, LenDb lists 63 loan officers licensed in or based in West Virginia whose lender pages show VA loan work. The top-ranked are Eric Stenger (Guild Mortgage, Martinsburg), Scott Reese (CrossCountry Mortgage, Cleveland) and Jessica Enfinger (CrossCountry Mortgage, Columbia). Ranking is lender-neutral: specialty evidence first, then a license in WV, 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
Eric StengerNMLS 229964
Guild Mortgage · Martinsburg, WV · licensed in 6 states
- VA loan
- First-time buyer
- WV 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 Martinsburg, WV
- Licensed since 2020 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 2
Scott ReeseNMLS 86512
CrossCountry Mortgage · Cleveland, OH · licensed in 17 states
- VA loan
- FHA loan
- First-time buyer
- HELOC
- WV 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 20 years of experience (lender page, 2026-10-09)
- 3
Jessica EnfingerNMLS 513123
CrossCountry Mortgage · Columbia, MD · licensed in 9 states
- VA loan
- WV 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)
- 4
Wayne PalkovicNMLS 201581
Embrace Home Loans · Martinsburg, WV · licensed in 4 states
- VA loan
- FHA loan
- Jumbo loan
- USDA loan
- WV 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 Martinsburg, WV
- States 43 years of experience (lender page, 2026-10-09)
- 5
Nathan FitzgeraldNMLS 369554
CrossCountry Mortgage · Orlando, FL · licensed in 15 states
- VA loan
- First-time buyer
- Renovation loan (203k / HomeStyle)
- HELOC
- WV 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)
- 6
Jacki LemmermanNMLS 2527069
Loan Factory · Mortgage broker · licensed in 5 states
- VA loan
- WV 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 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 7
Tim MilauskasNMLS 200561
First Home Mortgage · Millersville, MD · licensed in 9 states
- VA loan
- FHA loan
- First-time buyer
- WV 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 2026 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 8
Heidi GageNMLS 213769
NFM Lending · Linthicum, MD · licensed in 27 states
- VA loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- WV 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 30 years of experience (lender page, 2026-10-09)
- 9
Domonique GrayNMLS 900558
Churchill Mortgage · Brentwood, TN · licensed in 31 states
- VA loan
- FHA loan
- First-time buyer
- Real estate investor
- WV 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 2023 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 10
Jason InglishNMLS 934863
ALCOVA Mortgage · Cumberland, MD · licensed in 7 states
- VA loan
- FHA loan
- First-time buyer
- Real estate investor
- WV 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 20 years of experience (lender page, 2026-10-09)
- 11
Jerry BerryNMLS 109657
First Heritage Mortgage · licensed in 10 states
- VA loan
- FHA loan
- WV 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)
- 12
Ryan HadleyNMLS 1760292
First Heritage Mortgage · licensed in 7 states
- VA loan
- FHA loan
- First-time buyer
- WV 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 30 years of experience (lender page, 2026-10-09)
- 13
Lori JuleNMLS 190409
Atlantic Coast Mortgage · Fairfax, VA · licensed in 27 states
- VA loan
- FHA loan
- Jumbo loan
- USDA loan
- WV 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 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 14
Melissa BellNMLS 450558
Atlantic Coast Mortgage · Fairfax, VA · licensed in 14 states
- VA loan
- WV 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 20 years of experience (lender page, 2026-10-09)
- 15
Pat ClayNMLS 1382057
Guild Mortgage · Richmond, VA · licensed in 14 states
- VA loan
- Reverse mortgage
- WV 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 2018 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 16
Kevin MahoneyNMLS 233783
Embrace Home Loans · Fairfax, VA · licensed in 3 states
- VA loan
- Jumbo loan
- WV 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 30 years of experience (lender page, 2026-10-09)
- 17
Brad RestivoNMLS 835073
First Home Mortgage · Baltimore, MD · licensed in 8 states
- VA loan
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- WV 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 22 years of experience (lender page, 2026-10-09)
- 18
Angie TurleyNMLS 363066
Fairway Independent Mortgage Corporation · Mooresville, IN · licensed in 26 states
- VA loan
- First-time buyer
- Self-employed
- WV 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)
- 19
Will PendergraftNMLS 887706
Churchill Mortgage · Brentwood, TN · licensed in 20 states
- VA loan
- FHA loan
- First-time buyer
- Real estate investor
- WV 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 15 years of experience (lender page, 2026-10-09)
- 20
Kaitlyn LinaneNMLS 1550584
Guild Mortgage · Chantilly, VA · licensed in 6 states
- VA loan
- Jumbo loan
- Real estate investor
- WV 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)
- 21
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- VA loan
- FHA loan
- First-time buyer
- WV 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)
- 22
Chuck ButterfieldNMLS 176620
Churchill Mortgage · licensed in 20 states
- VA loan
- First-time buyer
- Real estate investor
- FHA loan
- WV 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 22 years of experience (lender page, 2026-10-09)
- 23
Ana B. AranaNMLS 204145
Atlantic Coast Mortgage · Fairfax, VA · licensed in 5 states
- VA loan
- FHA loan
- USDA loan
- Down payment assistance
- WV 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 26 years of experience (lender page, 2026-10-09)
- 24
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- VA loan
- DSCR loan
- FHA loan
- First-time buyer
- WV 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 2018 (per Florida records)
- 25
Jason WilburNMLS 676414
CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 11 states
- VA loan
- WV 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 20 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 WV license is confirmed with the state regulator (check mark), WV 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=WV. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.