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

# 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.

## Ranked, with reasons

1. **[Bruce Gibson](https://lendb.ai/lo/bruce-gibson-501286)** (NMLS 501286), Xpert Home Lending
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
   - States 28 years of experience (lender page, 2026-10-09)
2. **[Ryan Vallone](https://lendb.ai/lo/ryan-vallone-312680)** (NMLS 312680), Lit Financial Corporation
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2020 (per Colorado records)
   - States 15 years of experience (lender page, 2026-10-09)
3. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
4. **[Desiree' Byrne](https://lendb.ai/lo/desiree-byrne-2122934)** (NMLS 2122934), Xpert Home Lending
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Colorado records)
5. **[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)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
6. **[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)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2020 (per Colorado records)
7. **[Kortnee Garcia](https://lendb.ai/lo/kortnee-garcia-297233)** (NMLS 297233), CrossCountry Mortgage, Yuma, AZ
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
8. **[Jorge Diaz](https://lendb.ai/lo/jorge-diaz-561001)** (NMLS 561001), CrossCountry Mortgage, San Juan Capistrano, CA
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
9. **[Casey Clayton](https://lendb.ai/lo/casey-clayton-878866)** (NMLS 878866), CrossCountry Mortgage, Carlsbad, CA
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - NM 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/new-mexico.

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