--- canonical_url: https://lendb.ai/s/heloc/california last_verified: 2026-10-09 --- # HELOC loan officers in California As of 2026-10-09, LenDb lists 177 loan officers licensed in or based in California whose lender pages show HELOC work. The top-ranked are Gordon Weichler (American Pacific Mortgage, Roseville), Rick Bui (Xpert Home Lending) and Patricia Wright (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Gordon Weichler](https://lendb.ai/lo/gordon-weichler-308099)** (NMLS 308099), American Pacific Mortgage, Roseville, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Roseville, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 2. **[Rick Bui](https://lendb.ai/lo/rick-bui-309803)** (NMLS 309803), Xpert Home Lending, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 3. **[Patricia Wright](https://lendb.ai/lo/patricia-wright-483924)** (NMLS 483924), Xpert Home Lending, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 24 years of experience (lender page, 2026-10-09) 4. **[Emmett Clark](https://lendb.ai/lo/emmett-clark-233747)** (NMLS 233747), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - CA 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) 5. **[Megan Curtis](https://lendb.ai/lo/megan-curtis-1621681)** (NMLS 1621681), Pennymac, Pasadena, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Pasadena, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Colorado records) 6. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists HELOC on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 7. **[Jacob Kuzman](https://lendb.ai/lo/jacob-kuzman-373644)** (NMLS 373644), LeaderOne Financial, Winter Park, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - CA 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) 8. **[Don Gonzalez](https://lendb.ai/lo/don-gonzalez-284413)** (NMLS 284413), Loan Factory, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in California - CA 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) 9. **[Brent Wilkerson](https://lendb.ai/lo/brent-wilkerson-488734)** (NMLS 488734), CrossCountry Mortgage, La Crosse, WI - Lists HELOC on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 10. **[Dan Cossettini](https://lendb.ai/lo/daniel-cossettini-861931)** (NMLS 861931), U.S. Bank, Santa Ana, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Santa Ana, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2017 (per Florida records) 11. **[Daniel McDermott](https://lendb.ai/lo/daniel-mcdermott-430030)** (NMLS 430030), CrossCountry Mortgage, Montvale, NJ - Lists HELOC on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) 12. **[Darren Bortmas](https://lendb.ai/lo/darren-bortmas-254257)** (NMLS 254257), C2 Financial Corporation, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 22 years of experience (lender page, 2026-10-09) 13. **[Sandra Denise Smith](https://lendb.ai/lo/sandra-denise-smith-255924)** (NMLS 255924), Guild Mortgage, Walnut Creek, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Walnut Creek, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Bryan Young](https://lendb.ai/lo/bryan-young-1504425)** (NMLS 1504425), LeaderOne Financial, Oak Brook, IL - Lists HELOC on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 15. **[William Endres](https://lendb.ai/lo/william-endres-1856958)** (NMLS 1856958), JPMorgan Chase Bank (Chase Home Lending), Marina Del Rey, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Marina Del Rey, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 16. **[Erik Browning](https://lendb.ai/lo/erik-browning-2264602)** (NMLS 2264602), CrossCountry Mortgage, Scottsdale, AZ - Lists HELOC on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 17. **[Robert Jimenez](https://lendb.ai/lo/robert-jimenez-314507)** (NMLS 314507), Loan Factory, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 29 years of experience (lender page, 2026-10-09) 18. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 17 years of experience (lender page, 2026-10-09) 19. **[Kris Hermann](https://lendb.ai/lo/kris-hermann-1247814)** (NMLS 1247814), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Susie Bell](https://lendb.ai/lo/susie-bell-2534795)** (NMLS 2534795), Empire Home Loans, Fair Oaks, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Fair Oaks, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Shane Smith](https://lendb.ai/lo/shane-smith-235902)** (NMLS 235902), JPMorgan Chase Bank (Chase Home Lending), San Diego, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2014 (per Florida records) 22. **[Ty Panasitti](https://lendb.ai/lo/ty-panasitti-2094900)** (NMLS 2094900), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Ryan Vallone](https://lendb.ai/lo/ryan-vallone-312680)** (NMLS 312680), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) - States 15 years of experience (lender page, 2026-10-09) 24. **[Tom Tran](https://lendb.ai/lo/tom-tran-346684)** (NMLS 346684), Loan Factory, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Angela Rugado](https://lendb.ai/lo/angela-rugado-1413149)** (NMLS 1413149), Barrett Financial Group, Gilbert, AZ - Lists HELOC on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/heloc/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._