Borrower situations · Arizona

Loan officers for homeowners who are refinancing in Arizona

As of 2026-10-26, LenDb lists 270 loan officers licensed in or based in Arizona whose lender pages show Refinance work. The top-ranked are Eric Raso (CMG Home Loans, Tempe), Camille Olson (Barrett Financial Group, Chandler) and Harmony Moyer (Barrett Financial Group, Chandler). Ranking is lender-neutral: specialty evidence first, then a license in AZ, 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

    Eric RasoNMLS 457108

    CMG Home Loans · Tempe, AZ · licensed in 40 states

    • Refinance
    • 2 to 4 unit property
    • Low credit score
    • Non-QM loan
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Office in Tempe, AZ
    • Earliest state license record: August 27, 2014 (Colorado), per state regulator
    • States 20 years of experience (lender page, 2026-10-20)
  2. 2

    Camille OlsonNMLS 474281

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 11 states

    • Refinance
    • Down payment assistance
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-19)
    • Office in Chandler, AZ
    • Earliest state license record: July 10, 2014 (Texas), per state regulator
  3. 3

    Harmony MoyerNMLS 2616300

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 4 states

    • Refinance
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Office in Chandler, AZ
    • Earliest state license record: May 21, 2025 (Illinois), per state regulator
  4. 4

    Beverly LiesyNMLS 241577

    Newrez · Seattle, WA · licensed in 5 states

    • Refinance
    • New construction
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: April 30, 2019 (Oregon), per state regulator
    • States 20 years of experience (lender page, 2026-10-26)
  5. 5

    Kathleen SpicuzzaNMLS 865895

    CrossCountry Mortgage · Las Vegas, NV · licensed in 6 states

    • Refinance
    • Reverse mortgage
    • VA loan
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: September 18, 2019 (California), per state regulator
    • States 20 years of experience (lender page, 2026-10-22)
  6. 6

    Manny LopezNMLS 215947

    Homeowners Financial Group · Scottsdale, AZ

    • Refinance
    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Office in Scottsdale, AZ
    • States 13 years of experience (lender page, 2026-10-20)
  7. 7

    Steve HochreinNMLS 133559

    Newrez · Columbia, MD · licensed in 15 states

    • Refinance
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: February 21, 2011 (Florida), per state regulator
    • States 14 years of experience (lender page, 2026-10-14)
  8. 8

    Megan SchmidtNMLS 2594753

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 3 states

    • Refinance
    • FHA loan
    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Office in Scottsdale, AZ
    • Earliest state license record: May 24, 2024 (Oregon), per state regulator
  9. 9

    Dawn HansenNMLS 320935

    Intercap Lending · Flagstaff, AZ

    • Refinance
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Office in Flagstaff, AZ
  10. 10

    Kimberly WoollenNMLS 1919575

    CrossCountry Mortgage · Prescott, AZ

    • Refinance
    • FHA loan
    • VA loan
    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Office in Prescott, AZ
  11. 11

    Nick CarterNMLS 200547

    Directors Mortgage · Eugene, OR · licensed in 8 states

    • Refinance
    • Real estate investor
    • Vacation home
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-21)
    • Earliest state license record: July 31, 2010 (Oregon), per state regulator
  12. 12

    Debbie SchmidtNMLS 201144

    Churchill Mortgage · Scottsdale, AZ · licensed in 7 states

    • Refinance
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Office in Scottsdale, AZ
    • Earliest state license record: September 7, 2016 (California), per state regulator
    • States 24 years of experience (lender page, 2026-10-20)
  13. 13

    Mark YoumagulNMLS 319143

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 20 states

    • Refinance
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Office in Chandler, AZ
    • Earliest state license record: July 27, 2010 (California), per state regulator
  14. 14

    Christopher ArnoldNMLS 1702764

    Newrez · Fort Washington, PA · licensed in 15 states

    • Refinance
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: January 30, 2018 (Wisconsin), per state regulator
  15. 15

    James ConleyNMLS 2026522

    CrossCountry Mortgage · Columbia, MD · licensed in 13 states

    • Refinance
    • FHA loan
    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: August 3, 2022 (Wisconsin), per state regulator
    • States 6 years of experience (lender page, 2026-10-26)
  16. 16

    Megan CurtisNMLS 1621681

    Pennymac · Pasadena, CA · licensed in 9 states

    • Refinance
    • HELOC
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: September 12, 2017 (Colorado), per state regulator
  17. 17

    Mike SchusterNMLS 1980879

    CrossCountry Mortgage · Columbia, MD · licensed in 22 states

    • Refinance
    • FHA loan
    • VA loan
    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: April 26, 2021 (Illinois), per state regulator
  18. 18

    DJ JoyceNMLS 2540027

    CrossCountry Mortgage · Cleveland, OH · licensed in 12 states

    • Refinance
    • FHA loan
    • First-time buyer
    • HELOC
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: December 21, 2023 (Oregon), per state regulator
  19. 19

    Evan JansenNMLS 128384

    Summit Mortgage Corporation · Lakewood, CO · licensed in 9 states

    • Refinance
    • Down payment assistance
    • FHA loan
    • Jumbo loan
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: July 29, 2008 (Wisconsin), per state regulator
  20. 20

    Samantha LindleyNMLS 1210610

    American Pacific Mortgage · Kennewick, WA · licensed in 5 states

    • Refinance
    • Jumbo loan
    • Manufactured home
    • New construction
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Earliest state license record: September 11, 2014 (Oregon), per state regulator
    • States 9 years of experience (lender page, 2026-10-20)
  21. 21

    Rob EllisNMLS 292336

    CrossCountry Mortgage · Lewisville, TX · licensed in 2 states

    • Refinance
    • Construction loan
    • FHA loan
    • First-time buyer
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: July 9, 2026 (Texas), per state regulator
  22. 22

    Denise Cuddeback MontgomeryNMLS 57734

    American Pacific Mortgage · Eugene, OR · licensed in 11 states

    • Refinance
    • Bank statement loan
    • Down payment assistance
    • DSCR loan
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Earliest state license record: July 31, 2010 (Oregon), per state regulator
  23. 23

    Kevin KerivanNMLS 242302

    Fairway Independent Mortgage Corporation · Queen Creek, AZ · licensed in 4 states

    • Refinance
    • FHA loan
    • VA loan
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Office in Queen Creek, AZ
    • Earliest state license record: March 12, 2025 (Illinois), per state regulator
  24. 24

    Lindsay WitterNMLS 700709

    American Pacific Mortgage · Roseville, CA · licensed in 39 states

    • Refinance
    • Condo
    • Down payment assistance
    • FHA loan
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Earliest state license record: January 26, 2012 (Oregon), per state regulator
  25. 25

    Steve BloomNMLS 130998

    A & N Mortgage Services, Inc. · Chicago, IL · licensed in 9 states

    • Refinance
    • Real estate investor
    • AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-21)
    • Earliest state license record: October 10, 2006 (Illinois), per state regulator

Before you choose

Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.

  • What are my total closing costs, and how many months until the lower payment pays them back?
  • Can I take cash out, and how much equity do I need to keep?
  • If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?

More about Refinance

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a AZ license is confirmed with the state regulator (check mark), AZ is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (the earliest state license record in the regulator rosters we hold, or years the loan officer states) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=refinance&state=AZ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.