--- canonical_url: https://lendb.ai/s/heloc/washington last_verified: 2026-10-11 --- # HELOC loan officers in Washington As of 2026-10-11, LenDb lists 59 loan officers licensed in or based in Washington whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Jill Lyons (CMG Home Loans, Reno) and Josh Reid (Guild Mortgage, Vancouver). Ranking is lender-neutral: specialty evidence first, then a license in WA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Emmett Clark](https://lendb.ai/lo/emmett-clark-233747)** (NMLS 233747), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 9, 2024 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 2. **[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) - WA 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 3. **[Josh Reid](https://lendb.ai/lo/josh-reid-409986)** (NMLS 409986), Guild Mortgage, Vancouver, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Vancouver, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 27 years of experience (lender page, 2026-10-09) 4. **[Kris Hermann](https://lendb.ai/lo/kris-hermann-1247814)** (NMLS 1247814), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 17, 2015 (Colorado), per state regulator 5. **[Yuriana Garcia](https://lendb.ai/lo/yuriana-garcia-979433)** (NMLS 979433), JPMorgan Chase Bank (Chase Home Lending), Federal Way, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Federal Way, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 16 years of experience (lender page, 2026-10-09) 6. **[DeAndre Coulter](https://lendb.ai/lo/deandre-coulter-2751125)** (NMLS 2751125), Guild Mortgage, Sumner, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Sumner, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 7. **[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) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 16, 2023 (Colorado), per state regulator 8. **[Christina Bús](https://lendb.ai/lo/christina-bus-118777)** (NMLS 118777), Loan Factory - Lists HELOC on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[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) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Ashley Ortega](https://lendb.ai/lo/ashley-ortega-238561)** (NMLS 238561), CMG Home Loans, Coronado, CA - Lists HELOC on lender page (lender page, verified 2026-10-11) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 17, 2021 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-11) 11. **[Desiree' Byrne](https://lendb.ai/lo/desiree-byrne-2122934)** (NMLS 2122934), Xpert Home Lending - Lists HELOC on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 21, 2021 (Colorado), per state regulator 12. **[Rosy Carranza](https://lendb.ai/lo/rosy-carranza-1031531)** (NMLS 1031531), JPMorgan Chase Bank (Chase Home Lending), Everett, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Everett, WA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 13. **[Rachel Lee](https://lendb.ai/lo/rachel-lee-2521317)** (NMLS 2521317), JPMorgan Chase Bank (Chase Home Lending), Bellevue, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Bellevue, WA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Vince Paul Ventura](https://lendb.ai/lo/vince-paul-ventura-9030)** (NMLS 9030), Guild Mortgage, Salem, OR - Lists HELOC on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[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) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Mark Sherman](https://lendb.ai/lo/mark-sherman-693929)** (NMLS 693929), JPMorgan Chase Bank (Chase Home Lending), Olympia, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Olympia, WA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 17. **[Sara Alavy](https://lendb.ai/lo/sara-alavy-2298077)** (NMLS 2298077), JPMorgan Chase Bank (Chase Home Lending), Sammamish, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Sammamish, WA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 18. **[Thomas Samulski](https://lendb.ai/lo/thomas-samulski-2774623)** (NMLS 2774623), Lit Financial Corporation - Lists HELOC on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 16, 2026 (Colorado), per state regulator 19. **[Jennifer Kim](https://lendb.ai/lo/jennifer-kim-113118)** (NMLS 113118), CrossCountry Mortgage, Seattle, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Seattle, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 26 years of experience (lender page, 2026-10-09) 20. **[April Janas](https://lendb.ai/lo/april-janas-299013)** (NMLS 299013), CrossCountry Mortgage, Puyallup, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Puyallup, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 12, 2026 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 21. **[Sunny Larsen](https://lendb.ai/lo/sunny-larsen-505811)** (NMLS 505811), CrossCountry Mortgage, Puyallup, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Puyallup, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 29, 2022 (Florida), per state regulator - States 21 years of experience (lender page, 2026-10-09) 22. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH - Lists HELOC on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 10, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 23. **[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) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 18, 2016 (Florida), per state regulator - States 28 years of experience (lender page, 2026-10-09) 24. **[Kirk Taylor](https://lendb.ai/lo/kirk-taylor-312131)** (NMLS 312131), CrossCountry Mortgage, Naples, FL - Lists HELOC on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 21, 2014 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 25. **[Khalisa Davies](https://lendb.ai/lo/khalisa-davies-180315)** (NMLS 180315), CrossCountry Mortgage, Bothell, WA - Lists HELOC on lender page (lender page, verified 2026-10-09) - Office in Bothell, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 9, 2019 (Florida), per state regulator - States 15 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/washington. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._