---
canonical_url: https://lendb.ai/s/heloc/montana
last_verified: 2026-10-09
---

# 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 Scott Reese (CrossCountry Mortgage, Cleveland), April Janas (CrossCountry Mortgage, Puyallup) 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.

## Ranked, with reasons

1. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[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)
   - MT 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)
3. **[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)
   - MT 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)
4. **[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)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2011 (per Florida records)
5. **[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)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2011 (per Florida records)
6. **[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)
   - MT 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)
7. **[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)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
8. **[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)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2020 (per Colorado records)
9. **[Andria Eames](https://lendb.ai/lo/andria-eames-489002)** (NMLS 489002), CrossCountry Mortgage, Billings, MT
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - Office in Billings, MT
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
10. **[Courtney Ruzick](https://lendb.ai/lo/courtney-ruzick-2709730)** (NMLS 2709730), CrossCountry Mortgage, Fort Walton Beach, FL
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - MT 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/montana.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._