--- canonical_url: https://lendb.ai/s/heloc/district-of-columbia last_verified: 2026-10-09 --- # HELOC loan officers in District of Columbia As of 2026-10-09, LenDb lists 19 loan officers licensed in or based in District of Columbia whose lender pages show HELOC work. The top-ranked are Erik Browning (CrossCountry Mortgage, Scottsdale), Iris Legaspi (First Citizens Bank, San Diego) and Eliel Banegas (American Pacific Mortgage, Gaithersburg). Ranking is lender-neutral: specialty evidence first, then a license in DC, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 16, 2023 (Colorado), per state regulator 2. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 3. **[Eliel Banegas](https://lendb.ai/lo/eliel-banegas-1967263)** (NMLS 1967263), American Pacific Mortgage, Gaithersburg, MD - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 4. **[Mark Hoover](https://lendb.ai/lo/mark-hoover-28157)** (NMLS 28157), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 5. **[Scott Schneiderman](https://lendb.ai/lo/scott-schneiderman-219043)** (NMLS 219043), CrossCountry Mortgage, Chicago, IL - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 18, 2016 (Florida), per state regulator - States 28 years of experience (lender page, 2026-10-09) 6. **[Anthony Grech](https://lendb.ai/lo/anthony-grech-977416)** (NMLS 977416), CrossCountry Mortgage, Southfield, MI - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 7. **[Nathan Fitzgerald](https://lendb.ai/lo/nathan-fitzgerald-369554)** (NMLS 369554), CrossCountry Mortgage, Orlando, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 4, 2022 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 8. **[Phil Russo](https://lendb.ai/lo/philip-russo-8676)** (NMLS 8676), CrossCountry Mortgage, Wayne, PA - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 3, 2011 (Florida), per state regulator 9. **[Christopher Keelin](https://lendb.ai/lo/christopher-keelin-63764)** (NMLS 63764), CrossCountry Mortgage, Denville, NJ - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 27, 2011 (Florida), per state regulator 10. **[Drew Stacey](https://lendb.ai/lo/drew-stacey-728175)** (NMLS 728175), CrossCountry Mortgage, Blue Ash, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 6, 2018 (Florida), per state regulator 11. **[Katie Simmons Hickey](https://lendb.ai/lo/kathryn-hickey-659429)** (NMLS 659429), CrossCountry Mortgage, Reston, VA - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 31, 2017 (Florida), per state regulator 12. **[Nic Hasselwander](https://lendb.ai/lo/nicholas-hasselwander-1499392)** (NMLS 1499392), CrossCountry Mortgage, Overland Park, KS - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 24, 2017 (Florida), per state regulator 13. **[Brian Shapiro](https://lendb.ai/lo/brian-shapiro-284035)** (NMLS 284035), CrossCountry Mortgage, Southfield, MI - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 30, 2019 (Florida), per state regulator 14. **[Aaron Herbold](https://lendb.ai/lo/aaron-herbold-2125601)** (NMLS 2125601), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 1, 2021 (Florida), per state regulator 15. **[Nick Kristoff](https://lendb.ai/lo/nicholas-kristoff-379253)** (NMLS 379253), CrossCountry Mortgage, Bluffton, SC - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 8, 2023 (Florida), per state regulator 16. **[Theoni Rapo](https://lendb.ai/lo/theoni-rapo-1527462)** (NMLS 1527462), CrossCountry Mortgage, Rehoboth Beach, DE - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 3, 2023 (Florida), per state regulator 17. **[Lindsay Simmons Beale](https://lendb.ai/lo/lindsay-simmons-beale-510004)** (NMLS 510004), CrossCountry Mortgage, Reston, VA - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 9, 2022 (Florida), per state regulator 18. **[Bob Frazier](https://lendb.ai/lo/robert-frazier-191865)** (NMLS 191865), CrossCountry Mortgage, Columbia, MD - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 20, 2026 (Florida), per state regulator 19. **[Michael Lee](https://lendb.ai/lo/michael-lee-2142881)** (NMLS 2142881), CrossCountry Mortgage, Fairfax, VA - Lists HELOC on lender page (lender page, verified 2026-10-09) - DC 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/district-of-columbia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._