--- canonical_url: https://lendb.ai/s/heloc/north-carolina last_verified: 2026-10-09 --- # HELOC loan officers in North Carolina As of 2026-10-09, LenDb lists 70 loan officers licensed in or based in North Carolina whose lender pages show HELOC work. The top-ranked are Justin Burris (Fairway Independent Mortgage Corporation, Raleigh), Julia Woods (Union Home Mortgage, Durham) and Tom Lade (CrossCountry Mortgage, Columbus). Ranking is lender-neutral: specialty evidence first, then a license in NC, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Justin Burris](https://lendb.ai/lo/justin-burris-659024)** (NMLS 659024), Fairway Independent Mortgage Corporation, Raleigh, NC - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Raleigh, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 2. **[Julia Woods](https://lendb.ai/lo/julia-woods-117269)** (NMLS 117269), Union Home Mortgage, Durham, NC - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Durham, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 3. **[Tom Lade](https://lendb.ai/lo/thomas-lade-962607)** (NMLS 962607), CrossCountry Mortgage, Columbus, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 4. **[Daniel McDermott](https://lendb.ai/lo/daniel-mcdermott-430030)** (NMLS 430030), CrossCountry Mortgage, Montvale, NJ - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) 5. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 6. **[Bill White](https://lendb.ai/lo/william-white-2268018)** (NMLS 2268018), CrossCountry Mortgage, Cincinnati, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 7. **[Jeffrey "Zack" Zachow](https://lendb.ai/lo/jeffrey-zachow-450729)** (NMLS 450729), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 8. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 9. **[Kris Hermann](https://lendb.ai/lo/kris-hermann-1247814)** (NMLS 1247814), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[Lekh Sharma](https://lendb.ai/lo/lekh-sharma-2503420)** (NMLS 2503420), Guild Mortgage, High Point, NC - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in High Point, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 12. **[Drew Wright](https://lendb.ai/lo/david-wright-589370)** (NMLS 589370), First Heritage Mortgage - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 13. **[Alex Wright](https://lendb.ai/lo/alex-wright-1615455)** (NMLS 1615455), First Heritage Mortgage - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 14. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) 15. **[Caroline Smith](https://lendb.ai/lo/caroline-smith-2107073)** (NMLS 2107073), First Heritage Mortgage - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Kristina Kukurudza](https://lendb.ai/lo/kristina-kukurudza-420705)** (NMLS 420705), JPMorgan Chase Bank (Chase Home Lending), Mooresville, NC - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Mooresville, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 17. **[Josh Tellefsen](https://lendb.ai/lo/josh-tellefsen-266599)** (NMLS 266599), NFM Lending, Virginia Beach, VA - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Peyton Ginyard](https://lendb.ai/lo/peyton-ginyard-2742977)** (NMLS 2742977), Loan Factory, Lawrenceville, GA - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Matthew Morrow](https://lendb.ai/lo/matthew-morrow-2810108)** (NMLS 2810108), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Melissa Brounkowski Young](https://lendb.ai/lo/melissa-brounkowski-young-2027873)** (NMLS 2027873), Fairway Independent Mortgage Corporation, Greenwood, SC - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Mark Hoover](https://lendb.ai/lo/mark-hoover-28157)** (NMLS 28157), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 22. **[Luis Kercado](https://lendb.ai/lo/luis-kercado-661857)** (NMLS 661857), CrossCountry Mortgage, Tequesta, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 23. **[Steven Slaski](https://lendb.ai/lo/steven-slaski-141931)** (NMLS 141931), CrossCountry Mortgage, Allentown, PA - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 24. **[Jay Crain Jr](https://lendb.ai/lo/john-crain-180361)** (NMLS 180361), CrossCountry Mortgage, Peachtree City, GA - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 26 years of experience (lender page, 2026-10-09) 25. **[Scott Schneiderman](https://lendb.ai/lo/scott-schneiderman-219043)** (NMLS 219043), CrossCountry Mortgage, Chicago, IL - Lists HELOC on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) ## 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/north-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._