--- canonical_url: https://lendb.ai/s/refinance/arizona last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Eric Raso](https://lendb.ai/lo/eric-raso-457108)** (NMLS 457108), CMG Home Loans, Tempe, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Tempe, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 27, 2014 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-20) 2. **[Camille Olson](https://lendb.ai/lo/camille-olson-474281)** (NMLS 474281), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-19) - Office in Chandler, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 10, 2014 (Texas), per state regulator 3. **[Harmony Moyer](https://lendb.ai/lo/harmony-moyer-2616300)** (NMLS 2616300), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Chandler, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 21, 2025 (Illinois), per state regulator 4. **[Beverly Liesy](https://lendb.ai/lo/beverly-liesy-241577)** (NMLS 241577), Newrez, Seattle, WA - Lists Refinance on lender page (lender page, verified 2026-10-26) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 30, 2019 (Oregon), per state regulator - States 20 years of experience (lender page, 2026-10-26) 5. **[Kathleen Spicuzza](https://lendb.ai/lo/kathleen-spicuzza-865895)** (NMLS 865895), CrossCountry Mortgage, Las Vegas, NV - Lists Refinance on lender page (lender page, verified 2026-10-22) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 18, 2019 (California), per state regulator - States 20 years of experience (lender page, 2026-10-22) 6. **[Manny Lopez](https://lendb.ai/lo/manny-lopez-215947)** (NMLS 215947), Homeowners Financial Group, Scottsdale, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Scottsdale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 13 years of experience (lender page, 2026-10-20) 7. **[Steve Hochrein](https://lendb.ai/lo/steven-hochrein-133559)** (NMLS 133559), Newrez, Columbia, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 21, 2011 (Florida), per state regulator - States 14 years of experience (lender page, 2026-10-14) 8. **[Megan Schmidt](https://lendb.ai/lo/megan-schmidt-2594753)** (NMLS 2594753), CrossCountry Mortgage, Scottsdale, AZ - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Scottsdale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 24, 2024 (Oregon), per state regulator 9. **[Dawn Hansen](https://lendb.ai/lo/dawn-hansen-320935)** (NMLS 320935), Intercap Lending, Flagstaff, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Flagstaff, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Kimberly Woollen](https://lendb.ai/lo/kimberly-woollen-1919575)** (NMLS 1919575), CrossCountry Mortgage, Prescott, AZ - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Prescott, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[Nick Carter](https://lendb.ai/lo/nick-carter-200547)** (NMLS 200547), Directors Mortgage, Eugene, OR - Lists Refinance on lender page (lender page, verified 2026-10-21) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 31, 2010 (Oregon), per state regulator 12. **[Debbie Schmidt](https://lendb.ai/lo/debbie-schmidt-201144)** (NMLS 201144), Churchill Mortgage, Scottsdale, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Scottsdale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 7, 2016 (California), per state regulator - States 24 years of experience (lender page, 2026-10-20) 13. **[Mark Youmagul](https://lendb.ai/lo/phelotkhane-youmagul-319143)** (NMLS 319143), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Chandler, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 27, 2010 (California), per state regulator 14. **[Christopher Arnold](https://lendb.ai/lo/christopher-arnold-1702764)** (NMLS 1702764), Newrez, Fort Washington, PA - Lists Refinance on lender page (lender page, verified 2026-10-26) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 30, 2018 (Wisconsin), per state regulator 15. **[James Conley](https://lendb.ai/lo/james-conley-2026522)** (NMLS 2026522), CrossCountry Mortgage, Columbia, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 3, 2022 (Wisconsin), per state regulator - States 6 years of experience (lender page, 2026-10-26) 16. **[Megan Curtis](https://lendb.ai/lo/megan-curtis-1621681)** (NMLS 1621681), Pennymac, Pasadena, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 12, 2017 (Colorado), per state regulator 17. **[Mike Schuster](https://lendb.ai/lo/michael-schuster-1980879)** (NMLS 1980879), CrossCountry Mortgage, Columbia, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 26, 2021 (Illinois), per state regulator 18. **[DJ Joyce](https://lendb.ai/lo/dj-joyce-2540027)** (NMLS 2540027), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 21, 2023 (Oregon), per state regulator 19. **[Evan Jansen](https://lendb.ai/lo/evan-jansen-128384)** (NMLS 128384), Summit Mortgage Corporation, Lakewood, CO - Lists Refinance on lender page (lender page, verified 2026-10-26) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 29, 2008 (Wisconsin), per state regulator 20. **[Samantha Lindley](https://lendb.ai/lo/samantha-lindley-1210610)** (NMLS 1210610), American Pacific Mortgage, Kennewick, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 11, 2014 (Oregon), per state regulator - States 9 years of experience (lender page, 2026-10-20) 21. **[Rob Ellis](https://lendb.ai/lo/rob-ellis-292336)** (NMLS 292336), CrossCountry Mortgage, Lewisville, TX - Lists Refinance on lender page (lender page, verified 2026-10-26) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 9, 2026 (Texas), per state regulator 22. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Refinance on lender page (lender page, verified 2026-10-20) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 31, 2010 (Oregon), per state regulator 23. **[Kevin Kerivan](https://lendb.ai/lo/kevin-kerivan-242302)** (NMLS 242302), Fairway Independent Mortgage Corporation, Queen Creek, AZ - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Queen Creek, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 12, 2025 (Illinois), per state regulator 24. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Refinance on lender page (lender page, verified 2026-10-20) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 26, 2012 (Oregon), per state regulator 25. **[Steve Bloom](https://lendb.ai/lo/steven-bloom-130998)** (NMLS 130998), A & N Mortgage Services, Inc., Chicago, IL - Lists Refinance on lender page (lender page, verified 2026-10-21) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 10, 2006 (Illinois), per state regulator ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/refinance/arizona. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._