Loan programs · California
HELOC loan officers in California
As of 2026-10-09, LenDb lists 180 loan officers licensed in or based in California whose lender pages show HELOC work. The top-ranked are Rick Bui (Xpert Home Lending), Patricia Wright (Xpert Home Lending) and Gordon Weichler (American Pacific Mortgage, Roseville). Ranking is lender-neutral: specialty evidence first, then a license in CA, 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
Rick BuiNMLS 309803
Xpert Home Lending · Mortgage broker · California
- HELOC
- Bank statement loan
- Construction loan
- DSCR loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 2
Patricia WrightNMLS 483924
Xpert Home Lending · Mortgage broker · California
- HELOC
- Bank statement loan
- Construction loan
- Down payment assistance
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 24 years experience (stated on lender page, 2026-10-09)
- 3
Gordon WeichlerNMLS 308099
American Pacific Mortgage · Roseville, CA
- HELOC
- Real estate investor
- Reverse mortgage
- VA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 4
Sandra Denise SmithNMLS 255924
Guild Mortgage · Walnut Creek, CA
- HELOC
- First-time buyer
- Reverse mortgage
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 5
Jacob KuzmanNMLS 373644
LeaderOne Financial · Winter Park, FL · licensed in 6 states
- HELOC
- Construction loan
- First-time buyer
- Jumbo loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 14 years licensed
- 6
Brent WilkersonNMLS 488734
CrossCountry Mortgage · La Crosse, WI · licensed in 8 states
- HELOC
- Real estate investor
- USDA loan
- VA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 7
Daniel McDermottNMLS 430030
CrossCountry Mortgage · Montvale, NJ · licensed in 26 states
- HELOC
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 14 years licensed
- 8
Darren BortmasNMLS 254257
C2 Financial Corporation · Mortgage broker · California
- HELOC
- FHA loan
- Jumbo loan
- Real estate investor
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 22 years experience (stated on lender page, 2026-10-09)
- 9
Bryan YoungNMLS 1504425
LeaderOne Financial · Oak Brook, IL · licensed in 4 states
- HELOC
- FHA loan
- Jumbo loan
- Non-QM loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 10 years licensed
- 10
Susie BellNMLS 2534795
Empire Home Loans · Mortgage broker · Fair Oaks, CA · licensed in 2 states
- HELOC
- Construction loan
- DSCR loan
- FHA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 11
Bill BeggsNMLS 306392
Loan Factory · Mortgage broker · California
- HELOC
- Reverse mortgage
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 20 years experience (stated on lender page, 2026-10-09)
- 12
Erik BrowningNMLS 2264602
CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states
- HELOC
- DSCR loan
- FHA loan
- Self-employed
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 1 years licensed
- 13
Robert JimenezNMLS 314507
Loan Factory · Mortgage broker · California
- HELOC
- Real estate investor
- DSCR loan
- FHA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 29 years experience (stated on lender page, 2026-10-09)
- 14
Tom TranNMLS 346684
Loan Factory · Mortgage broker · California
- HELOC
- 2 to 4 unit property
- Condo
- FHA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 15
Tracey RadinovicNMLS 997560
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states
- HELOC
- Bank statement loan
- DSCR loan
- FHA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 0 years licensed
- 16
Kimberly RutherfordNMLS 2065203
Loan Factory · Mortgage broker · San Jose, CA
- HELOC
- Renovation loan (203k / HomeStyle)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 17
Kristian LauNMLS 2664051
Loan Factory · Mortgage broker · California
- HELOC
- First-time buyer
- Non-QM loan
- Real estate investor
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 18
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- HELOC
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 17 years experience (stated on lender page, 2026-10-09)
- 19
Emmett ClarkNMLS 233747
Loan Factory · Mortgage broker · licensed in 18 states
- HELOC
- FHA loan
- First-time buyer
- VA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 2 years licensed
- 20
Megan CurtisNMLS 1621681
Pennymac · Pasadena, CA · licensed in 5 states
- HELOC
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 5 years licensed
- 21
Kris HermannNMLS 1247814
Lit Financial Corporation · licensed in 8 states
- HELOC
- FHA loan
- VA loan
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 22
Kevin NunnNMLS 305826
Empire Home Loans · Mortgage broker · Fair Oaks, CA
- HELOC
- Construction loan
- Renovation loan (203k / HomeStyle)
- Manufactured home
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Branch in California; no license list on file yet, verify at NMLS Consumer Access
- 30 years experience (stated on lender page, 2026-10-09)
- 23
Ty PanasittiNMLS 2094900
Loan Factory · Mortgage broker
- HELOC
- FHA loan
- Jumbo loan
- Real estate investor
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 24
Debbi GalvanNMLS 190282
Xpert Home Lending · Mortgage broker · California
- HELOC
- First-time buyer
- Real estate investor
- Self-employed
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 25
Ryan ValloneNMLS 312680
Lit Financial Corporation · licensed in 14 states
- HELOC
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 14 years licensed
Before you choose
Combined loan-to-value limits, rate structures and draw periods vary by lender, and many only offer them to existing customers.
- What combined loan-to-value do you allow?
- Is the rate variable, and are there fixed-rate draw options?
- Are there annual fees or early closure fees?
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 CA or have a branch there. Then branch location, years licensed 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=heloc&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.