--- canonical_url: https://lendb.ai/s/heloc/florida last_verified: 2026-10-11 --- # HELOC loan officers in Florida As of 2026-10-11, LenDb lists 59 loan officers licensed in or based in Florida whose lender pages show HELOC work. The top-ranked are Paul Weidner (Guild Mortgage, Ormond Beach), Tricia Balzano (Total Mortgage Services, South Portland) and Bruce Gibson (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Paul Weidner](https://lendb.ai/lo/paul-weidner-301434)** (NMLS 301434), Guild Mortgage, Ormond Beach, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Ormond Beach, FL - Licensed in FL: confirmed with the Florida regulator (license LO5096), verified 2026-10-09 - Licensed since 2011 (per Florida records) 2. **[Tricia Balzano](https://lendb.ai/lo/tricia-balzano-1771962)** (NMLS 1771962), Total Mortgage Services, South Portland, ME - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO143843), verified 2026-10-09 - Licensed since 2025 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 3. **[Bruce Gibson](https://lendb.ai/lo/bruce-gibson-501286)** (NMLS 501286), Xpert Home Lending - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO115645), verified 2026-10-09 - Licensed since 2022 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 4. **[Mei Mee Yuen](https://lendb.ai/lo/mei-yuen-808120)** (NMLS 808120), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO25704), verified 2026-10-09 - Licensed since 2014 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 5. **[Emmett Clark](https://lendb.ai/lo/emmett-clark-233747)** (NMLS 233747), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO126021), verified 2026-10-09 - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 6. **[Mark Sigmund](https://lendb.ai/lo/mark-sigmund-364614)** (NMLS 364614), Success Mortgage Partners, Mount Dora, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Mount Dora, FL - Licensed in FL: confirmed with the Florida regulator (license LO3599), verified 2026-10-09 - Licensed since 2011 (per Florida records) 7. **[Jill Lyons](https://lendb.ai/lo/jill-lyons-206346)** (NMLS 206346), CMG Home Loans, Reno, NV - Lists HELOC on lender page (lender page, verified 2026-10-11) - Licensed in FL: confirmed with the Florida regulator (license LO8316), verified 2026-10-09 - Licensed since 2011 (per Florida records) 8. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO143003), verified 2026-10-09 - Licensed since 2025 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 9. **[Roderick Seda](https://lendb.ai/lo/roderick-seda-1299742)** (NMLS 1299742), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2015 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 10. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO138086), verified 2026-10-09 - Licensed since 2017 (per Colorado records) 11. **[Julie Vari Adams](https://lendb.ai/lo/julie-adams-1496369)** (NMLS 1496369), LeaderOne Financial, Overland Park, KS - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO143471), verified 2026-10-09 - Licensed since 2019 (per Colorado records) 12. **[Tom Lade](https://lendb.ai/lo/thomas-lade-962607)** (NMLS 962607), CrossCountry Mortgage, Columbus, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO75322), verified 2026-10-09 - Licensed since 2020 (per Florida records) 13. **[Ryan Underwood](https://lendb.ai/lo/ryan-underwood-1886806)** (NMLS 1886806), CrossCountry Mortgage, Independence, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO134043), verified 2026-10-09 - Licensed since 2020 (per Colorado records) 14. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO87806), verified 2026-10-09 - Licensed since 2021 (per Florida records) 15. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO15353), verified 2026-10-09 - Licensed since 2012 (per Florida records) 16. **[Julia Woods](https://lendb.ai/lo/julia-woods-117269)** (NMLS 117269), Union Home Mortgage, Durham, NC - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO34166), verified 2026-10-09 - Licensed since 2016 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 17. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO43324), verified 2026-10-09 - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 18. **[Bill White](https://lendb.ai/lo/william-white-2268018)** (NMLS 2268018), CrossCountry Mortgage, Cincinnati, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO115769), verified 2026-10-09 - Licensed since 2022 (per Florida records) 19. **[Faith Gehrke](https://lendb.ai/lo/faith-gehrke-1835186)** (NMLS 1835186), Mutual of Omaha Mortgage, Scottsdale, AZ - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO113722), verified 2026-10-09 - Licensed since 2022 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 20. **[James Burton](https://lendb.ai/lo/james-burton-2121317)** (NMLS 2121317), Southern Trust Mortgage, Mt Pleasant, SC - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO116336), verified 2026-10-09 - Licensed since 2023 (per Florida records) 21. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO136970), verified 2026-10-09 - Licensed since 2023 (per Colorado records) 22. **[Scott Browne](https://lendb.ai/lo/scott-browne-36371)** (NMLS 36371), U.S. Bank, Owensboro, KY - Lists HELOC on lender page (lender page, verified 2026-10-09) - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2013 (per Florida records) 23. **[James Abdallah](https://lendb.ai/lo/james-abdallah-255833)** (NMLS 255833), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO30476), verified 2026-10-09 - Licensed since 2015 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 24. **[Solomon Consuegra](https://lendb.ai/lo/solomon-consuegra-1204342)** (NMLS 1204342), JPMorgan Chase Bank (Chase Home Lending), Miami, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Miami, FL - Licensed in FL: confirmed with the Florida regulator (license LO27505), verified 2026-10-09 - Licensed since 2014 (per Florida records) 25. **[Euler Pereda](https://lendb.ai/lo/euler-pereda-1969026)** (NMLS 1969026), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO109311), verified 2026-10-09 - Licensed since 2022 (per Florida records) ## 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/florida. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._