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Loan programs · Virginia

HELOC loan officers in Virginia

As of 2026-10-09, LenDb lists 68 loan officers licensed in or based in Virginia whose lender pages show HELOC work. The top-ranked are Mei Mee Yuen (Loan Factory), Tom Lade (CrossCountry Mortgage, Columbus) and Julia Woods (Union Home Mortgage, Durham). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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

    Mei Mee YuenNMLS 808120

    Loan Factory · licensed in 2 states

    • HELOC
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    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 VA (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Julia WoodsNMLS 117269

    Union Home Mortgage · Durham, NC · licensed in 4 states

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

    Jeffrey "Zack" ZachowNMLS 450729

    Loan Factory · licensed in 5 states

    • HELOC
    • FHA loan
    • First-time buyer
    • Reverse mortgage
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Michael ColellaNMLS 1466855

    Embrace Home Loans · Basking Ridge, NJ · licensed in 6 states

    • HELOC
    • FHA loan
    • Jumbo loan
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    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 VA (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    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 VA (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    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 VA (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    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 VA (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    Trung NguyenNMLS 1806263

    Loan Factory · licensed in 7 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    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 VA (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
  12. 12

    Joseph HeislerNMLS 43162

    Loan Factory · licensed in 6 states

    • HELOC
    • Reverse mortgage
    • Down payment assistance
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Dan MurphyNMLS 2765982

    First Home Mortgage · Chevy Chase, MD · licensed in 6 states

    • HELOC
    • Co-op
    • FHA loan
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  14. 14

    Robert BatesNMLS 191832

    ALCOVA Mortgage · Hardy, VA

    • HELOC
    • Bank statement loan
    • DSCR loan
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • No disciplinary actions on file at LenDb
  15. 15

    Diana SampleNMLS 265398

    ALCOVA Mortgage · Harrisonburg, VA

    • HELOC
    • Bank statement loan
    • DSCR loan
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • No disciplinary actions on file at LenDb
  16. 16

    Coleman BalesNMLS 1993122

    Atlantic Coast Mortgage · Fairfax, VA · licensed in 15 states

    • HELOC
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • 1 years licensed
  17. 17

    Deborah ParkNMLS 1113558

    Southern Trust Mortgage · Virginia Beach, VA · licensed in 2 states

    • HELOC
    • FHA loan
    • VA loan
    • Real estate investor
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • 4 years licensed
  18. 18

    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 VA (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Anthony DesanoNMLS 12319

    Embrace Home Loans · Middletown, RI · licensed in 24 states

    • HELOC
    • First-time buyer
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Jeff HammelNMLS 162437

    Ruoff Mortgage · licensed in 17 states

    • HELOC
    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  21. 21

    Adil UsufzaiNMLS 952278

    JPMorgan Chase Bank (Chase Home Lending) · Ashburn, VA

    • HELOC
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access
    • 26 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  22. 22

    Scott DunningNMLS 101361

    CrossCountry Mortgage · Midlothian, VA

    • HELOC
    • New construction
    • Real estate investor
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  23. 23

    Jerry GoldenNMLS 2829680

    CrossCountry Mortgage · Winchester, VA

    • HELOC
    • First-time buyer
    • FHA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  24. 24

    Danny DrysdaleNMLS 874523

    Intercap Lending · San Diego, CA · licensed in 12 states

    • HELOC
    • FHA loan
    • First-time buyer
    • VA loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Michael BushNMLS 67031

    Guild Mortgage · North Attleboro, MA · licensed in 8 states

    • HELOC
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • Lists HELOC on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 2 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 VA 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=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.