---
canonical_url: https://lendb.ai/s/heloc/vermont
last_verified: 2026-10-11
---

# HELOC loan officers in Vermont

As of 2026-10-11, LenDb lists 5 loan officers licensed in or based in Vermont whose lender pages show HELOC work. The top-ranked are Jill Lyons (CMG Home Loans, Reno), Kelly Hagler (CMG Home Loans, Napa ) and Christopher Keelin (CrossCountry Mortgage, Denville). Ranking is lender-neutral: specialty evidence first, then a license in VT, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Jill Lyons](https://lendb.ai/lo/jill-lyons-206346)** (NMLS 206346), CMG Home Loans, Reno, NV
   - Lists HELOC on lender page (lender page, verified 2026-10-11)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: July 12, 2011 (Florida), per state regulator
2. **[Kelly Hagler](https://lendb.ai/lo/kelly-hagler-583063)** (NMLS 583063), CMG Home Loans, Napa , CA
   - Lists HELOC on lender page (lender page, verified 2026-10-11)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
3. **[Christopher Keelin](https://lendb.ai/lo/christopher-keelin-63764)** (NMLS 63764), CrossCountry Mortgage, Denville, NJ
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: June 27, 2011 (Florida), per state regulator
4. **[Justin Lieberman](https://lendb.ai/lo/justin-lieberman-17836)** (NMLS 17836), CrossCountry Mortgage, Union, NJ
   - Lists HELOC on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: August 6, 2015 (Florida), per state regulator
   - States 10 years of experience (lender page, 2026-10-09)
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)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: January 24, 2017 (Florida), per state regulator

## 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/vermont.

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