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Loan programs · Montana

HELOC loan officers in Montana

As of 2026-10-09, LenDb lists 10 loan officers licensed in or based in Montana whose lender pages show HELOC work. The top-ranked are Phil Russo (CrossCountry Mortgage, Wayne), Christopher Keelin (CrossCountry Mortgage, Denville) and Andrew Watson (CrossCountry Mortgage, Coeur d'Alene). Ranking is lender-neutral: specialty evidence first, then a license in MT, 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 10

  1. 1

    Phil RussoNMLS 8676

    CrossCountry Mortgage · Wayne, PA · licensed in 27 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (listed on lender page, verified 2026-10-09)
    • 15 years licensed
  2. 2

    Christopher KeelinNMLS 63764

    CrossCountry Mortgage · Denville, NJ · licensed in 42 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (listed on lender page, verified 2026-10-09)
    • 15 years licensed
  3. 3

    Andrew WatsonNMLS 2260761

    CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 3 states

    • HELOC
    • Self-employed
    • Real estate investor
    • Non-QM loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (listed on lender page, verified 2026-10-09)
    • 16 years experience (stated on lender page, 2026-10-09)
  4. 4

    Scott ReeseNMLS 86512

    CrossCountry Mortgage · Cleveland, OH · licensed in 17 states

    • HELOC
    • FHA loan
    • VA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (listed on lender page, verified 2026-10-09)
    • 9 years licensed
  5. 5

    Andria EamesNMLS 489002

    CrossCountry Mortgage · Billings, MT · licensed in 2 states

    • HELOC
    • VA loan
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (listed on lender page, verified 2026-10-09)
    • Branch in Montana
  6. 6

    Nic HasselwanderNMLS 1499392

    CrossCountry Mortgage · Overland Park, KS · licensed in 44 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (listed on lender page, verified 2026-10-09)
    • 9 years licensed
  7. 7

    Kelly HintzNMLS 450644

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 15 states

    • HELOC
    • Construction loan
    • Real estate investor
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (listed on lender page, verified 2026-10-09)
    • 5 years licensed
  8. 8

    Khalisa DaviesNMLS 180315

    CrossCountry Mortgage · Bothell, WA · licensed in 25 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (listed on lender page, verified 2026-10-09)
    • 7 years licensed
  9. 9

    April JanasNMLS 299013

    CrossCountry Mortgage · Puyallup, WA · licensed in 13 states

    • HELOC
    • Construction loan
    • Down payment assistance
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (listed on lender page, verified 2026-10-09)
    • 0 years licensed
  10. 10

    Courtney RuzickNMLS 2709730

    CrossCountry Mortgage · Fort Walton Beach, FL

    • HELOC
    • VA loan
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (listed on 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?

More about HELOC

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in MT or have a branch there. Then branch location, years licensed 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=MT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.