--- canonical_url: https://lendb.ai/s/heloc/virginia last_verified: 2026-10-09 --- # HELOC loan officers in Virginia As of 2026-10-09, LenDb lists 63 loan officers licensed in or based in Virginia whose lender pages show HELOC work. The top-ranked are Mei Mee Yuen (Loan Factory), Emmett Clark (Loan Factory) and Tracey Radinovic (Fairway Independent Mortgage Corporation, Overland Park). Ranking is lender-neutral: specialty evidence first, then a license in VA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Mei Mee Yuen](https://lendb.ai/lo/mei-yuen-808120)** (NMLS 808120), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 2. **[Emmett Clark](https://lendb.ai/lo/emmett-clark-233747)** (NMLS 233747), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 4. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 5. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) 6. **[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) - VA 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) 7. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 8. **[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) - VA 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) 9. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[Michael Colella](https://lendb.ai/lo/michael-colella-1466855)** (NMLS 1466855), Embrace Home Loans, Basking Ridge, NJ - Lists HELOC on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 12. **[George Tabora](https://lendb.ai/lo/george-tabora-2049966)** (NMLS 2049966), American Pacific Mortgage, Reston, VA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Reston, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 13. **[David Bates](https://lendb.ai/lo/david-bates-1532166)** (NMLS 1532166), ALCOVA Mortgage, Harrisonburg, VA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Harrisonburg, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 14. **[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) - Office in Virginia Beach, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 16. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 17. **[Adil Usufzai](https://lendb.ai/lo/adil-usufzai-952278)** (NMLS 952278), JPMorgan Chase Bank (Chase Home Lending), Ashburn, VA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Ashburn, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 18. **[Trung Nguyen](https://lendb.ai/lo/trung-nguyen-1806263)** (NMLS 1806263), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 19. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Eliel Banegas](https://lendb.ai/lo/eliel-banegas-1967263)** (NMLS 1967263), American Pacific Mortgage, Gaithersburg, MD - Lists HELOC on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Claudia Gomez](https://lendb.ai/lo/claudia-gomez-2298266)** (NMLS 2298266), American Pacific Mortgage, Gaithersburg, MD - Lists HELOC on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Anthony Strickland](https://lendb.ai/lo/anthony-strickland-184529)** (NMLS 184529), CrossCountry Mortgage, Orlando, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 23. **[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) - VA 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) 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) - VA 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) - VA 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/virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._