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Loan programs · New Mexico

HELOC loan officers in New Mexico

As of 2026-10-09, LenDb lists 9 loan officers licensed in or based in New Mexico whose lender pages show HELOC work. The top-ranked are Bruce Gibson (Xpert Home Lending), Ryan Vallone (Lit Financial Corporation) and Iris Legaspi (First Citizens Bank, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in NM, 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 9

  1. 1

    Bruce GibsonNMLS 501286

    Xpert Home Lending · Mortgage broker · licensed in 3 states

    • HELOC
    • FHA loan
    • Real estate investor
    • Reverse mortgage
    • NM 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 28 years of experience (lender page, 2026-10-09)
  2. 2

    Ryan ValloneNMLS 312680

    Lit Financial Corporation · licensed in 14 states

    • HELOC
    • NM 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)
    • States 15 years of experience (lender page, 2026-10-09)
  3. 3

    Iris LegaspiNMLS 690505

    First Citizens Bank · Bank · San Diego, CA · licensed in 35 states

    • HELOC
    • Down payment assistance
    • Physician and medical professional
    • Self-employed
    • NM 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)
  4. 4

    Desiree' ByrneNMLS 2122934

    Xpert Home Lending · Mortgage broker · licensed in 16 states

    • HELOC
    • Construction loan
    • DSCR loan
    • Renovation loan (203k / HomeStyle)
    • NM 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 2021 (per Colorado records)
  5. 5

    Nic HasselwanderNMLS 1499392

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

    • HELOC
    • First-time buyer
    • NM 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)
  6. 6

    Kelly HintzNMLS 450644

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 15 states

    • HELOC
    • Construction loan
    • Real estate investor
    • NM 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)
  7. 7

    Kortnee GarciaNMLS 297233

    CrossCountry Mortgage · Yuma, AZ · licensed in 8 states

    • HELOC
    • FHA loan
    • NM 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)
  8. 8

    Jorge DiazNMLS 561001

    CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 20 states

    • HELOC
    • First-time buyer
    • NM 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)
  9. 9

    Casey ClaytonNMLS 878866

    CrossCountry Mortgage · Carlsbad, CA · licensed in 4 states

    • HELOC
    • Non-QM loan
    • Real estate investor
    • NM 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?

More about HELOC

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 NM license is confirmed with the state regulator (check mark), NM 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=NM. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.