--- canonical_url: https://lendb.ai/s/heloc/texas last_verified: 2026-10-09 --- # HELOC loan officers in Texas As of 2026-10-09, LenDb lists 215 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. ## Ranked, with reasons 1. **[Richard Martin Dunbar](https://lendb.ai/lo/richard-martin-dunbar-309276)** (NMLS 309276), Guild Mortgage, Austin, TX - 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) - No disciplinary actions on file at LenDb 2. **[Ed Rowe III](https://lendb.ai/lo/ed-rowe-iii-262647)** (NMLS 262647), Loan Factory, TX - 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) - No disciplinary actions on file at LenDb 3. **[Tamahara Garneff](https://lendb.ai/lo/tamahara-garneff-1276161)** (NMLS 1276161), CrossCountry Mortgage, Houston, TX - 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) - No disciplinary actions on file at LenDb 4. **[Tom Spaniel](https://lendb.ai/lo/tom-spaniel-228693)** (NMLS 228693), Success Mortgage Partners, Dallas, TX - 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) - No disciplinary actions on file at LenDb 5. **[Antonio Gutierrez](https://lendb.ai/lo/antonio-gutierrez-722537)** (NMLS 722537), Loan Factory, North DFW, TX - 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) - No disciplinary actions on file at LenDb 6. **[Bryan Young](https://lendb.ai/lo/bryan-young-1504425)** (NMLS 1504425), LeaderOne Financial, Oak Brook, IL - 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. **[Patty Porto](https://lendb.ai/lo/patty-porto-275265)** (NMLS 275265), Loan Factory, Houston, TX - 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. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 6 years licensed - No disciplinary actions on file at LenDb 9. **[Shane Moe](https://lendb.ai/lo/shane-moe-164686)** (NMLS 164686), LeaderOne Financial, Austin, TX - 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 10. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 1 years licensed - No disciplinary actions on file at LenDb 11. **[Matthew Brown](https://lendb.ai/lo/matthew-brown-1254520)** (NMLS 1254520), Loan Factory, Austin, TX - 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 - No disciplinary actions on file at LenDb 12. **[Holly Luca](https://lendb.ai/lo/holly-luca-586712)** (NMLS 586712), Loan Factory - 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. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - 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. **[Jeremy Hicks](https://lendb.ai/lo/jeremy-hicks-1960052)** (NMLS 1960052), Guild Mortgage, Prineville, OR - 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. **[Xiaolan Zhu](https://lendb.ai/lo/xiaolan-zhu-2180005)** (NMLS 2180005), Loan Factory - 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. **[Roberto Tenorio](https://lendb.ai/lo/roberto-tenorio-2577398)** (NMLS 2577398), Loan Factory, Kyle, TX - 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) - No disciplinary actions on file at LenDb 17. **[Jared Maxwell](https://lendb.ai/lo/jared-maxwell-19167)** (NMLS 19167), Embrace Home Loans, Middletown, RI - 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. **[Valerie Clymer](https://lendb.ai/lo/valerie-clymer-221831)** (NMLS 221831), Success Mortgage Partners, Plymouth, MI - 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. **[Jim Brettl](https://lendb.ai/lo/jim-brettl-455400)** (NMLS 455400), Xpert Home Lending - 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. **[Daniel Hlavac](https://lendb.ai/lo/daniel-hlavac-689353)** (NMLS 689353), LoanPeople - 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. **[Ellie Nelson](https://lendb.ai/lo/eleanor-ramirez-nelson-1419225)** (NMLS 1419225), Barrett Financial Group, Las Vegas, NV - 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. **[Elie Kassin](https://lendb.ai/lo/elie-smilovitz-kassin-2798052)** (NMLS 2798052), Loan Factory, Miami, FL - 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. **[Trung Nguyen](https://lendb.ai/lo/trung-nguyen-1806263)** (NMLS 1806263), Loan Factory - 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. **[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) - 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. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 14 years licensed - No disciplinary actions on file at LenDb ## 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/texas. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._