--- canonical_url: https://lendb.ai/s/refinance/delaware last_verified: 2026-10-30 --- # Loan officers for homeowners who are refinancing in Delaware As of 2026-10-30, LenDb lists 25 loan officers licensed in or based in Delaware whose lender pages show Refinance work. The top-ranked are Martha Pfeiffer (CrossCountry Mortgage, Dover), Kim Shuey (Mutual of Omaha Mortgage, Overland Park) and Stephanie O'Farrell (Mutual of Omaha Mortgage, Overland Park). Ranking is lender-neutral: specialty evidence first, then a license in DE, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Martha Pfeiffer](https://lendb.ai/lo/martha-pfeiffer-1722079)** (NMLS 1722079), CrossCountry Mortgage, Dover, DE - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Dover, DE - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - States 20 years of experience (lender page, 2026-10-26) 2. **[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 DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: July 22, 2011 (Texas), per state regulator - States 20 years of experience (lender page, 2026-10-20) 3. **[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 DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: November 17, 2008 (Illinois), per state regulator - States 20 years of experience (lender page, 2026-10-20) 4. **[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 DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: February 21, 2011 (Florida), per state regulator - States 14 years of experience (lender page, 2026-10-14) 5. **[Kris Hermann](https://lendb.ai/lo/kris-hermann-1247814)** (NMLS 1247814), Lit Financial Corporation - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: February 17, 2015 (Colorado), per state regulator - States 10 years of experience (lender page, 2026-10-19) 6. **[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) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: January 30, 2018 (Wisconsin), per state regulator 7. **[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) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: August 3, 2022 (Wisconsin), per state regulator - States 6 years of experience (lender page, 2026-10-26) 8. **[Jason Stallworth](https://lendb.ai/lo/jason-stallworth-7577)** (NMLS 7577), Embrace Home Loans, Amityville, NY - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: November 24, 2021 (Florida), per state regulator 9. **[Jim Simpson](https://lendb.ai/lo/james-simpson-420787)** (NMLS 420787), Mutual of Omaha Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: January 15, 2015 (Colorado), per state regulator - States 22 years of experience (lender page, 2026-10-20) 10. **[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) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: September 12, 2017 (Colorado), per state regulator 11. **[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) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: April 26, 2021 (Illinois), per state regulator 12. **[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) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: August 27, 2014 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-20) 13. **[Phil Heinley](https://lendb.ai/lo/phillip-heinley-1674192)** (NMLS 1674192), Adaxa, LLC, Phoenix, AZ - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: April 23, 2019 (Iowa), per state regulator 14. **[James Abdallah](https://lendb.ai/lo/james-abdallah-255833)** (NMLS 255833), Lit Financial Corporation, Dearborn, MI - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: February 8, 2011 (Illinois), per state regulator - States 22 years of experience (lender page, 2026-10-19) 15. **[Natasha Robinson](https://lendb.ai/lo/natasha-robinson-332074)** (NMLS 332074), Guaranteed Rate Affinity, LLC, Chicago, IL - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: April 20, 2009 (Illinois), per state regulator 16. **[Tyler Bahnsen](https://lendb.ai/lo/tyler-bahnsen-362852)** (NMLS 362852), CMG Home Loans, Miami, FL - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: October 20, 2011 (Florida), per state regulator - States 21 years of experience (lender page, 2026-10-20) 17. **[Khash Saghafi](https://lendb.ai/lo/khashayar-saghafi-120117)** (NMLS 120117), Liberty Home Mortgage Corporation, Independence, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: October 24, 2014 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-15) 18. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: August 23, 2016 (California), per state regulator 19. **[Britainy Wilkerson](https://lendb.ai/lo/britainy-wilkerson-1137924)** (NMLS 1137924), Xpert Home Lending, Roseville, CA - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: December 4, 2023 (Iowa), per state regulator - States 15 years of experience (lender page, 2026-10-21) 20. **[Benjamin Williams](https://lendb.ai/lo/benjamin-williams-1025173)** (NMLS 1025173), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: June 4, 2013 (Oregon), per state regulator 21. **[Ron Luttrull](https://lendb.ai/lo/ronald-luttrull-274181)** (NMLS 274181), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: May 19, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-19) 22. **[Mike Eastman](https://lendb.ai/lo/michael-eastman-21108)** (NMLS 21108), First Heritage Mortgage, Fairfax, VA - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: June 26, 2025 (Florida), per state regulator 23. **[Nina Miriani](https://lendb.ai/lo/nina-miriani-2703369)** (NMLS 2703369), Lit Financial Corporation - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: August 5, 2025 (Florida), per state regulator 24. **[Sarah Pichardo](https://lendb.ai/lo/sarah-pichardo-229120)** (NMLS 229120), CMG Home Loans, Fairfax, VA - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: August 15, 2022 (Florida), per state regulator 25. **[Amber Mancino](https://lendb.ai/lo/amber-mancino-1576080)** (NMLS 1576080), CrossCountry Mortgage, Wilmington, DE - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Wilmington, DE - Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30 - Earliest state license record: January 25, 2022 (Florida), per state regulator - States 3 years of experience (lender page, 2026-10-22) ## 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/delaware. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._