--- canonical_url: https://lendb.ai/s/heloc/idaho last_verified: 2026-10-09 --- # HELOC loan officers in Idaho As of 2026-10-09, LenDb lists 16 loan officers licensed in or based in Idaho whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Erik Browning (CrossCountry Mortgage, Scottsdale) and Vince Paul Ventura (Guild Mortgage, Salem). Ranking is lender-neutral: specialty evidence first, then a license in ID, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Emmett Clark](https://lendb.ai/lo/emmett-clark-233747)** (NMLS 233747), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - ID 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) 2. **[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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 3. **[Vince Paul Ventura](https://lendb.ai/lo/vince-paul-ventura-9030)** (NMLS 9030), Guild Mortgage, Salem, OR - Lists HELOC on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 4. **[Andrew Watson](https://lendb.ai/lo/andrew-watson-2260761)** (NMLS 2260761), CrossCountry Mortgage, Coeur d'Alene, ID - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Coeur d'Alene, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 16 years of experience (lender page, 2026-10-09) 5. **[Marylee Gilchrist](https://lendb.ai/lo/marylee-gilchrist-242466)** (NMLS 242466), CrossCountry Mortgage, Cottonwood Heights, UT - Lists HELOC on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Colorado records) - States 41 years of experience (lender page, 2026-10-09) 6. **[April Janas](https://lendb.ai/lo/april-janas-299013)** (NMLS 299013), CrossCountry Mortgage, Puyallup, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 7. **[Sunny Larsen](https://lendb.ai/lo/sunny-larsen-505811)** (NMLS 505811), CrossCountry Mortgage, Puyallup, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 21 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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 9. **[Khalisa Davies](https://lendb.ai/lo/khalisa-davies-180315)** (NMLS 180315), CrossCountry Mortgage, Bothell, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 10. **[Megan Jensen](https://lendb.ai/lo/megan-jensen-2514040)** (NMLS 2514040), CrossCountry Mortgage, Boise, ID - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Boise, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 5 years of experience (lender page, 2026-10-09) 11. **[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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 12. **[Kelly Hintz](https://lendb.ai/lo/kelly-hintz-450644)** (NMLS 450644), CrossCountry Mortgage, Scottsdale, AZ - Lists HELOC on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 13. **[Austin Gerimonte](https://lendb.ai/lo/austin-gerimonte-2277430)** (NMLS 2277430), CrossCountry Mortgage, Coeur d'Alene, ID - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Coeur d'Alene, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Matt Matteo](https://lendb.ai/lo/matt-matteo-1968169)** (NMLS 1968169), CrossCountry Mortgage, Bothell, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 15. **[Ben Bratrud](https://lendb.ai/lo/ben-bratrud-1463218)** (NMLS 1463218), CrossCountry Mortgage, Gig Harbor, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Nicholas Reynaga](https://lendb.ai/lo/nicholas-reynaga-1311757)** (NMLS 1311757), CrossCountry Mortgage, San Diego, CA - Lists HELOC on lender page (lender page, verified 2026-10-09) - ID 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/idaho. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._