Borrower situations · District of Columbia
Loan officers for homeowners who are refinancing in District of Columbia
As of 2026-10-26, LenDb lists 54 loan officers licensed in or based in District of Columbia whose lender pages show Refinance work. The top-ranked are James Conley (CrossCountry Mortgage, Columbia), Jason Stallworth (Embrace Home Loans, Amityville) and Tim Hand (First Home Mortgage, Dunkirk). Ranking is lender-neutral: specialty evidence first, then a license in DC, 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
James ConleyNMLS 2026522
CrossCountry Mortgage · Columbia, MD · licensed in 13 states
- Refinance
- FHA loan
- First-time buyer
- DC 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)
- 2
Jason StallworthNMLS 7577
Embrace Home Loans · Amityville, NY · licensed in 10 states
- Refinance
- FHA loan
- First-time buyer
- Non-QM loan
- DC 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: November 24, 2021 (Florida), per state regulator
- 3
Tim HandNMLS 2399625
First Home Mortgage · Dunkirk, MD · licensed in 6 states
- Refinance
- First-time buyer
- DC 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: December 27, 2022 (Florida), per state regulator
- 4
Steve VallanceNMLS 175801
The Mortgage Link, Inc. · Rockville, MD · licensed in 5 states
- Refinance
- FHA loan
- USDA loan
- VA loan
- DC 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: March 30, 2022 (Texas), per state regulator
- 5
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Refinance
- Vacation home
- Bank statement loan
- DSCR loan
- DC 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: August 23, 2016 (California), per state regulator
- 6
Rob ClarkNMLS 182527
Guaranteed Rate Affinity, LLC · Alexandria, VA · licensed in 3 states
- Refinance
- FHA loan
- Jumbo loan
- VA loan
- DC 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)
- States 35 years of experience (lender page, 2026-10-21)
- 7
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- DC 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: June 4, 2013 (Oregon), per state regulator
- 8
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- DC 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: May 19, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 9
Mike EastmanNMLS 21108
First Heritage Mortgage · Fairfax, VA · licensed in 12 states
- Refinance
- Real estate investor
- DC 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: June 26, 2025 (Florida), per state regulator
- 10
Sarah PichardoNMLS 229120
CMG Home Loans · Fairfax, VA · licensed in 39 states
- Refinance
- DC 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: August 15, 2022 (Florida), per state regulator
- 11
Patrick NormanNMLS 303097
CrossCountry Mortgage · Fairfax, VA · licensed in 3 states
- Refinance
- Jumbo loan
- VA loan
- First-time buyer
- DC 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)
- States 20 years of experience (lender page, 2026-10-26)
- 12
Mark NiosiNMLS 216306
CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states
- Refinance
- First-time buyer
- HELOC
- DC 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: December 23, 2020 (Florida), per state regulator
- States 24 years of experience (lender page, 2026-10-21)
- 13
Mike FilanNMLS 659409
CrossCountry Mortgage · Fairfax, VA · licensed in 8 states
- Refinance
- Down payment assistance
- Jumbo loan
- First-time buyer
- DC 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: March 22, 2024 (Colorado), per state regulator
- States 24 years of experience (lender page, 2026-10-22)
- 14
Liz McElroy- FilanNMLS 659461
CrossCountry Mortgage · Fairfax, VA · licensed in 4 states
- Refinance
- Down payment assistance
- Non-QM loan
- First-time buyer
- DC 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: May 13, 2014 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-26)
- 15
Francoise GonzalesNMLS 314050
CrossCountry Mortgage · Columbia, MD · licensed in 4 states
- Refinance
- First-time buyer
- Down payment assistance
- FHA loan
- DC 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: March 6, 2025 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-26)
- 16
Lee BladesNMLS 144593
CrossCountry Mortgage · Reston, VA · licensed in 7 states
- Refinance
- Construction loan
- Renovation loan (203k / HomeStyle)
- DC 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: July 10, 2025 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-22)
- 17
Chad FreemanNMLS 453581
CrossCountry Mortgage · North Bethesda, MD · licensed in 5 states
- Refinance
- Renovation loan (203k / HomeStyle)
- HELOC
- DC 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 26, 2026 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
- 18
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 50 states
- Refinance
- Jumbo loan
- Non-QM loan
- Reverse mortgage
- DC 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: December 19, 2018 (California), per state regulator
- States 28 years of experience (lender page, 2026-10-22)
- 19
Jerry SundtNMLS 168111
CrossCountry Mortgage · Tucson, AZ · licensed in 34 states
- Refinance
- Jumbo loan
- Non-QM loan
- Real estate investor
- DC 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: July 14, 2007 (Colorado), per state regulator
- 20
Bruce O'KronleyNMLS 30743
CrossCountry Mortgage · Southfield, MI · licensed in 30 states
- Refinance
- FHA loan
- First-time buyer
- DC 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 18, 2008 (Illinois), per state regulator
- 21
Nathan FitzgeraldNMLS 369554
CrossCountry Mortgage · Orlando, FL · licensed in 15 states
- Refinance
- First-time buyer
- Renovation loan (203k / HomeStyle)
- VA loan
- DC 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: March 4, 2022 (Florida), per state regulator
- States 15 years of experience (lender page, 2026-10-21)
- 22
Ryan GeorgeNMLS 5692
CrossCountry Mortgage · Frederick, MD · licensed in 21 states
- Refinance
- VA loan
- FHA loan
- First-time buyer
- DC 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 28, 2011 (California), per state regulator
- 23
Aaron JacobsonNMLS 1329933
CrossCountry Mortgage · Annapolis, MD · licensed in 4 states
- Refinance
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- VA loan
- DC 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: May 12, 2015 (Wisconsin), per state regulator
- 24
Gus AndersonNMLS 1448809
CrossCountry Mortgage · Fairfax, VA · licensed in 5 states
- Refinance
- Down payment assistance
- Non-QM loan
- VA loan
- DC 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: November 8, 2019 (Florida), per state regulator
- States 11 years of experience (lender page, 2026-10-26)
- 25
Tim PotempaNMLS 454708
CrossCountry Mortgage · Phoenix, AZ · licensed in 47 states
- Refinance
- FHA loan
- First-time buyer
- DC 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, 2015 (California), 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?
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 DC license is confirmed with the state regulator (check mark), DC 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=DC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.