LenDb.ai

Loan programs · Texas

HELOC loan officers in Texas

As of 2026-10-09, LenDb lists 242 loan officers licensed in or based in Texas whose lender pages show HELOC work. The top-ranked are Richard Martin Dunbar (Guild Mortgage, Austin), Ed Rowe III (Loan Factory) and Tamahara Garneff (CrossCountry Mortgage, Houston). Ranking is lender-neutral: specialty evidence first, then a license in TX, 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 25

  1. 1

    Richard Martin DunbarNMLS 309276

    Guild Mortgage · Austin, TX

    • HELOC
    • First-time buyer
    • Real estate investor
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • Branch in Texas
    • 20 years experience (stated on lender page, 2026-10-09)
  2. 2

    Ed Rowe IIINMLS 262647

    Loan Factory · Texas

    • HELOC
    • Down payment assistance
    • FHA loan
    • Jumbo loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • Branch in Texas
    • 7 years experience (stated on lender page, 2026-10-09)
  3. 3

    Tamahara GarneffNMLS 1276161

    CrossCountry Mortgage · Houston, TX · licensed in 2 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • Branch in Texas
    • 28 years experience (stated on lender page, 2026-10-09)
  4. 4

    Tom SpanielNMLS 228693

    Success Mortgage Partners · Dallas, TX

    • HELOC
    • Construction loan
    • Down payment assistance
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • Branch in Texas
    • 29 years experience (stated on lender page, 2026-10-09)
  5. 5

    Antonio GutierrezNMLS 722537

    Loan Factory · North DFW, TX

    • HELOC
    • Asset-based qualifying
    • Bank statement loan
    • Construction loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • Branch in Texas
    • 20 years experience (stated on lender page, 2026-10-09)
  6. 6

    Bryan YoungNMLS 1504425

    LeaderOne Financial · Oak Brook, IL · licensed in 4 states

    • HELOC
    • FHA loan
    • Jumbo loan
    • Non-QM loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Patty PortoNMLS 275265

    Loan Factory · Houston, TX

    • HELOC
    • DSCR loan
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • Branch in Texas
    • No disciplinary actions on file at LenDb
  8. 8

    Tom LadeNMLS 962607

    CrossCountry Mortgage · Columbus, OH · licensed in 10 states

    • HELOC
    • Jumbo loan
    • Non-QM loan
    • Real estate investor
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Arnell Brady IINMLS 1128672

    JPMorgan Chase Bank (Chase Home Lending) · Chicago, IL · licensed in 11 states

    • HELOC
    • Co-op
    • Condo
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    Shane MoeNMLS 164686

    LeaderOne Financial · Austin, TX

    • HELOC
    • Construction loan
    • Down payment assistance
    • DSCR loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • Branch in Texas
    • No disciplinary actions on file at LenDb
  11. 11

    Matthew BrownNMLS 1254520

    Loan Factory · Austin, TX · licensed in 28 states

    • HELOC
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • Branch in Texas
    • 10 years licensed
  12. 12

    Holly LucaNMLS 586712

    Loan Factory · licensed in 4 states

    • HELOC
    • Construction loan
    • Down payment assistance
    • DSCR loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Tracey RadinovicNMLS 997560

    Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states

    • HELOC
    • Bank statement loan
    • DSCR loan
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    Jeremy HicksNMLS 1960052

    Guild Mortgage · Prineville, OR · licensed in 5 states

    • HELOC
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  15. 15

    Xiaolan ZhuNMLS 2180005

    Loan Factory · licensed in 7 states

    • HELOC
    • FHA loan
    • Jumbo loan
    • Low credit score
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Roberto TenorioNMLS 2577398

    Loan Factory · Kyle, TX

    • HELOC
    • Reverse mortgage
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • Branch in Texas
    • 28 years experience (stated on lender page, 2026-10-09)
  17. 17

    Jared MaxwellNMLS 19167

    Embrace Home Loans · Middletown, RI · licensed in 23 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Valerie ClymerNMLS 221831

    Success Mortgage Partners · Plymouth, MI · licensed in 4 states

    • HELOC
    • Reverse mortgage
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Jim BrettlNMLS 455400

    Xpert Home Lending · licensed in 13 states

    • HELOC
    • Bank statement loan
    • DSCR loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  20. 20

    Daniel HlavacNMLS 689353

    LoanPeople · licensed in 2 states

    • HELOC
    • FHA loan
    • Non-QM loan
    • USDA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Ellie NelsonNMLS 1419225

    Barrett Financial Group · Las Vegas, NV · licensed in 8 states

    • HELOC
    • Construction loan
    • First-time buyer
    • Bank statement loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Elie KassinNMLS 2798052

    Loan Factory · Miami, FL · licensed in 2 states

    • HELOC
    • Real estate investor
    • Foreign national
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Trung NguyenNMLS 1806263

    Loan Factory · licensed in 7 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Iris LegaspiNMLS 690505

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

    • HELOC
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 17 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  25. 25

    Ryan ValloneNMLS 312680

    Lit Financial Corporation · licensed in 14 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in TX (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb

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 TX or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=heloc&state=TX. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.