Loan programs · Idaho
HELOC loan officers in Idaho
As of 2026-10-09, LenDb lists 23 loan officers licensed in or based in Idaho whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Christine Reino (Churchill Mortgage, McCall) and Erik Browning (CrossCountry Mortgage, Scottsdale). Ranking is lender-neutral: specialty evidence first, then a license in ID, 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 23
- 1
Emmett ClarkNMLS 233747
Loan Factory · Mortgage broker · licensed in 18 states
- HELOC
- First-time buyer
- VA loan
- FHA loan
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Christine ReinoNMLS 896237
Churchill Mortgage · McCall, ID · licensed in 4 states
- HELOC
- Construction loan
- FHA loan
- Jumbo loan
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Office in McCall, ID
- Licensed since 2025 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 3
Erik BrowningNMLS 2264602
CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states
- HELOC
- DSCR loan
- FHA loan
- Self-employed
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- 4
Jim BrettlNMLS 455400
Xpert Home Lending · Mortgage broker · licensed in 13 states
- HELOC
- Bank statement loan
- DSCR loan
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- 5
Skip LeasureNMLS 526803
Intercap Lending · licensed in 3 states
- HELOC
- VA loan
- Bank statement loan
- Down payment assistance
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- 6
Vince Paul VenturaNMLS 9030
Guild Mortgage · Salem, OR · licensed in 4 states
- HELOC
- Construction loan
- FHA loan
- First-time buyer
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- 7
Keelan HarveyNMLS 1330075
Highlands Residential Mortgage · Coeur D Alene, ID · licensed in 3 states
- HELOC
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Office in Coeur D Alene, ID
- Licensed since 2021 (per Florida records)
- 8
Danny DrysdaleNMLS 874523
Intercap Lending · San Diego, CA · licensed in 12 states
- HELOC
- FHA loan
- First-time buyer
- VA loan
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 9
Emily GreenNMLS 1429849
Churchill Mortgage · Meridian, ID · licensed in 12 states
- HELOC
- Reverse mortgage
- VA loan
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Office in Meridian, ID
- Licensed since 2026 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 10
Jon DunckelNMLS 455608
Homeowners Financial Group · Walnut Creek, CA · licensed in 7 states
- HELOC
- FHA loan
- Real estate investor
- Renovation loan (203k / HomeStyle)
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- 11
Andrew WatsonNMLS 2260761
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 3 states
- HELOC
- Self-employed
- Real estate investor
- Non-QM loan
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Office in Coeur d'Alene, ID
- States 16 years of experience (lender page, 2026-10-09)
- 12
Marylee GilchristNMLS 242466
CrossCountry Mortgage · Cottonwood Heights, UT · licensed in 10 states
- HELOC
- VA loan
- FHA loan
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Colorado records)
- States 41 years of experience (lender page, 2026-10-09)
- 13
April JanasNMLS 299013
CrossCountry Mortgage · Puyallup, WA · licensed in 13 states
- HELOC
- Construction loan
- Down payment assistance
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 14
Sunny LarsenNMLS 505811
CrossCountry Mortgage · Puyallup, WA · licensed in 8 states
- HELOC
- First-time buyer
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 15
Phil RussoNMLS 8676
CrossCountry Mortgage · Wayne, PA · licensed in 27 states
- HELOC
- First-time buyer
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- 16
Khalisa DaviesNMLS 180315
CrossCountry Mortgage · Bothell, WA · licensed in 25 states
- HELOC
- First-time buyer
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 17
Megan JensenNMLS 2514040
CrossCountry Mortgage · Boise, ID
- HELOC
- First-time buyer
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Office in Boise, ID
- States 5 years of experience (lender page, 2026-10-09)
- 18
Nic HasselwanderNMLS 1499392
CrossCountry Mortgage · Overland Park, KS · licensed in 44 states
- HELOC
- First-time buyer
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- 19
Kelly HintzNMLS 450644
CrossCountry Mortgage · Scottsdale, AZ · licensed in 15 states
- HELOC
- Construction loan
- Real estate investor
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Colorado records)
- 20
Austin GerimonteNMLS 2277430
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 2 states
- HELOC
- FHA loan
- First-time buyer
- VA loan
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Office in Coeur d'Alene, ID
- 21
Matt MatteoNMLS 1968169
CrossCountry Mortgage · Bothell, WA · licensed in 8 states
- HELOC
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- 22
Ben BratrudNMLS 1463218
CrossCountry Mortgage · Gig Harbor, WA · licensed in 5 states
- HELOC
- First-time buyer
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
- 23
Nicholas ReynagaNMLS 1311757
CrossCountry Mortgage · San Diego, CA · licensed in 2 states
- HELOC
- First-time buyer
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists HELOC on lender page (lender page, verified 2026-10-09)
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 are listed when a ID license is confirmed with the state regulator (check mark), ID is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) 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=ID. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.