---
canonical_url: https://lendb.ai/s/refinance/california
last_verified: 2026-10-26
---

# Loan officers for homeowners who are refinancing in California

As of 2026-10-26, LenDb lists 143 loan officers licensed in or based in California whose lender pages show Refinance work. The top-ranked are Simon Atik (Guaranteed Rate Affinity, LLC, Los Angeles), Jason Smith (Ladera Lending, Inc., Lake Forest) and John Assily (CrossCountry Mortgage, Walnut Creek). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Simon Atik](https://lendb.ai/lo/simon-atik-961014)** (NMLS 961014), Guaranteed Rate Affinity, LLC, Los Angeles, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in Los Angeles, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC961014), verified 2026-10-24
   - Earliest state license record: January 14, 2013 (California), per state regulator
   - States 30 years of experience (lender page, 2026-10-21)
2. **[Jason Smith](https://lendb.ai/lo/jason-smith-1030753)** (NMLS 1030753), Ladera Lending, Inc., Lake Forest, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in Lake Forest, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1030753), verified 2026-10-24
   - Earliest state license record: June 21, 2013 (Oregon), per state regulator
3. **[John Assily](https://lendb.ai/lo/john-assily-291314)** (NMLS 291314), CrossCountry Mortgage, Walnut Creek, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-22)
   - Office in Walnut Creek, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO291314), verified 2026-10-24
   - Earliest state license record: November 3, 2016 (California), per state regulator
   - States 30 years of experience (lender page, 2026-10-22)
4. **[Gordon Weichler](https://lendb.ai/lo/gordon-weichler-308099)** (NMLS 308099), American Pacific Mortgage, Roseville, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Office in Roseville, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC308099), verified 2026-10-24
   - Earliest state license record: July 2, 2010 (California), per state regulator
   - States 30 years of experience (lender page, 2026-10-20)
5. **[George Mcfaden](https://lendb.ai/lo/george-mcfaden-344084)** (NMLS 344084), Guaranteed Rate Affinity, LLC, San Francisco, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in San Francisco, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO344084), verified 2026-10-24
   - Earliest state license record: August 15, 2014 (California), per state regulator
   - States 20 years of experience (lender page, 2026-10-21)
6. **[Anita Aguilar](https://lendb.ai/lo/anita-aguilar-498749)** (NMLS 498749), Cardinal Financial Company, San Diego, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in San Diego, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC498749), verified 2026-10-24
   - Earliest state license record: June 23, 2011 (California), per state regulator
   - States 20 years of experience (lender page, 2026-10-19)
7. **[Edgar Aranda](https://lendb.ai/lo/edgar-aranda-833610)** (NMLS 833610), Cardinal Financial Company, San Diego, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in San Diego, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC833610), verified 2026-10-24
   - Earliest state license record: December 8, 2011 (California), per state regulator
   - States 25 years of experience (lender page, 2026-10-19)
8. **[Chris Lippi](https://lendb.ai/lo/chris-lippi-266400)** (NMLS 266400), Guaranteed Rate Affinity, LLC, Sacramento, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in Sacramento, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC266400), verified 2026-10-24
   - Earliest state license record: June 15, 2010 (California), per state regulator
   - States 18 years of experience (lender page, 2026-10-21)
9. **[Sandra Smith](https://lendb.ai/lo/sandra-denise-smith-255924)** (NMLS 255924), Guild Mortgage, Walnut Creek, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Walnut Creek, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DOC255924), verified 2026-10-24
   - Earliest state license record: June 3, 2010 (California), per state regulator
10. **[Fe David](https://lendb.ai/lo/fe-david-482592)** (NMLS 482592), Guaranteed Rate Affinity, LLC, Burlingame, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in Burlingame, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO482592), verified 2026-10-24
   - Earliest state license record: June 1, 2015 (California), per state regulator
11. **[Michelle Morris](https://lendb.ai/lo/michelle-morris-264030)** (NMLS 264030), Guaranteed Rate Affinity, LLC, San Diego, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in San Diego, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO264030), verified 2026-10-24
   - Earliest state license record: February 8, 2016 (California), per state regulator
12. **[Ashton Pereida-Rice](https://lendb.ai/lo/ashton-pereida-rice-2022873)** (NMLS 2022873), Ladera Lending, Inc., Ladera Ranch, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in Ladera Ranch, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2022873), verified 2026-10-24
   - Earliest state license record: September 14, 2020 (Iowa), per state regulator
   - States 5 years of experience (lender page, 2026-10-21)
13. **[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)
   - Office in Pasadena, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI1621681), verified 2026-10-24
   - Earliest state license record: September 12, 2017 (Colorado), per state regulator
14. **[Kim Shuey](https://lendb.ai/lo/kimberly-shuey-410338)** (NMLS 410338), Mutual of Omaha Mortgage, Overland Park, KS
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO410338), verified 2026-10-24
   - Earliest state license record: July 22, 2011 (Texas), per state regulator
   - States 20 years of experience (lender page, 2026-10-20)
15. **[Ed Woolery](https://lendb.ai/lo/edward-woolery-632979)** (NMLS 632979), Guaranteed Rate Affinity, LLC, La Jolla, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in La Jolla, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO632979), verified 2026-10-24
   - Earliest state license record: October 5, 2018 (California), per state regulator
16. **[Felix Ochoa](https://lendb.ai/lo/felix-ochoa-1462507)** (NMLS 1462507), American Pacific Mortgage, Pomona, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Office in Pomona, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1462507), verified 2026-10-24
   - Earliest state license record: June 30, 2017 (California), per state regulator
   - States 10 years of experience (lender page, 2026-10-20)
17. **[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)
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO241577), verified 2026-10-24
   - Earliest state license record: April 30, 2019 (Oregon), per state regulator
   - States 20 years of experience (lender page, 2026-10-26)
18. **[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)
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO865895), verified 2026-10-24
   - Earliest state license record: September 18, 2019 (California), per state regulator
   - States 20 years of experience (lender page, 2026-10-22)
19. **[Connie Buchanan](https://lendb.ai/lo/connie-buchanan-241170)** (NMLS 241170), American Pacific Mortgage, San Francisco, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Office in San Francisco, CA
   - Licensed in CA: confirmed with the California Department of Real Estate (license 01200004), verified 2026-10-24
20. **[Stephanie O'Farrell](https://lendb.ai/lo/stephanie-o-farrell-95809)** (NMLS 95809), Mutual of Omaha Mortgage, Overland Park, KS
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO95809), verified 2026-10-24
   - Earliest state license record: November 17, 2008 (Illinois), per state regulator
   - States 20 years of experience (lender page, 2026-10-20)
21. **[Bryan Zada](https://lendb.ai/lo/bryan-zada-395158)** (NMLS 395158), Guaranteed Rate Affinity, LLC, Long Beach, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in Long Beach, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI395158), verified 2026-10-24
   - Earliest state license record: July 26, 2021 (California), per state regulator
22. **[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)
   - Office in Roseville, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO700709), verified 2026-10-24
   - Earliest state license record: January 26, 2012 (Oregon), per state regulator
23. **[Fidel Mazon](https://lendb.ai/lo/fidel-mazon-1239383)** (NMLS 1239383), Panorama Mortgage Group, LLC, Visalia, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Visalia, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO1239383), verified 2026-10-24
   - Earliest state license record: May 26, 2015 (California), per state regulator
   - States 23 years of experience (lender page, 2026-10-15)
24. **[Cindy Kramer](https://lendb.ai/lo/cindy-kramer-240190)** (NMLS 240190), Guaranteed Rate Affinity, LLC, Newport Beach, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in Newport Beach, CA
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO240190), verified 2026-10-24
   - Earliest state license record: February 20, 2014 (California), per state regulator
25. **[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)
   - Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI133559), verified 2026-10-24
   - Earliest state license record: February 21, 2011 (Florida), per state regulator
   - States 14 years of experience (lender page, 2026-10-14)

## 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/california.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._