--- canonical_url: https://lendb.ai/s/va/west-virginia last_verified: 2026-10-09 --- # VA loan officers in West Virginia As of 2026-10-09, LenDb lists 47 loan officers licensed in or based in West Virginia whose lender pages show VA loan work. The top-ranked are Wayne Palkovic (Embrace Home Loans, Martinsburg), Eric Stenger (Guild Mortgage, Martinsburg) and Scott Reese (CrossCountry Mortgage, Cleveland). Ranking is lender-neutral: specialty evidence first, then a license in WV, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - Office in Martinsburg, WV - WV 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) 2. **[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) - Office in Martinsburg, WV - WV 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) 3. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV 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) 4. **[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) - WV 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) 5. **[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) - WV 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) 6. **[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) - WV 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) 7. **[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) - WV 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) 8. **[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) - WV 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) 9. **[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) - WV 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) 10. **[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) - WV 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) 11. **[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) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 12. **[Jacki Lemmerman](https://lendb.ai/lo/jacqueline-lemmerman-2527069)** (NMLS 2527069), Loan Factory - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 13. **[Pat Clay](https://lendb.ai/lo/patricia-clay-1382057)** (NMLS 1382057), Guild Mortgage, Richmond, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Colorado records) - States 10 years of experience (lender page, 2026-10-09) 14. **[Angie Turley](https://lendb.ai/lo/angela-turley-363066)** (NMLS 363066), Fairway Independent Mortgage Corporation, Mooresville, IN - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 15. **[Kaitlyn Linane](https://lendb.ai/lo/kaitlyn-linane-1550584)** (NMLS 1550584), Guild Mortgage, Chantilly, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 16. **[Paula Brown](https://lendb.ai/lo/paula-brown-414569)** (NMLS 414569), First Citizens Bank, Roanoke, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 40 years of experience (lender page, 2026-10-09) 17. **[Bob Fisher](https://lendb.ai/lo/robert-fisher-1028088)** (NMLS 1028088), Atlantic Coast Mortgage, Fairfax, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 18. **[Mike Schuster](https://lendb.ai/lo/michael-schuster-1980879)** (NMLS 1980879), CrossCountry Mortgage, Columbia, MD - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 19. **[Logan Wojcik](https://lendb.ai/lo/logan-wojcik-2112253)** (NMLS 2112253), Ruoff Mortgage - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 5 years of experience (lender page, 2026-10-09) 20. **[Joshua Phillips](https://lendb.ai/lo/joshua-phillips-157670)** (NMLS 157670), Churchill Mortgage, Brentwood, TN - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 21. **[Will Pendergraft](https://lendb.ai/lo/william-pendergraft-887706)** (NMLS 887706), Churchill Mortgage - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 22. **[Jason Wilbur](https://lendb.ai/lo/jason-wilbur-676414)** (NMLS 676414), CrossCountry Mortgage, Fort Walton Beach, FL - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV 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) 23. **[Craig Miller Jr](https://lendb.ai/lo/craig-miller-686948)** (NMLS 686948), Guild Mortgage, Alexandria, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 24. **[Mariel Robbins](https://lendb.ai/lo/mariel-robbins-1139928)** (NMLS 1139928), Atlantic Coast Mortgage, Fairfax, VA - Lists VA loan on lender page (lender page, verified 2026-10-09) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 25. **[Kevin Patrick](https://lendb.ai/lo/kevin-patrick-1036946)** (NMLS 1036946), CrossCountry Mortgage, Martinsburg, WV - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Martinsburg, WV - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) ## 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/west-virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._