--- canonical_url: https://lendb.ai/s/refinance/district-of-columbia last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[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) - DC 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) 2. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 24, 2021 (Florida), per state regulator 3. **[Tim Hand](https://lendb.ai/lo/john-hand-2399625)** (NMLS 2399625), First Home Mortgage, Dunkirk, MD - Lists Refinance on lender page (lender page, verified 2026-10-20) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 27, 2022 (Florida), per state regulator 4. **[Steve Vallance](https://lendb.ai/lo/stephen-vallance-175801)** (NMLS 175801), The Mortgage Link, Inc., Rockville, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 30, 2022 (Texas), per state regulator 5. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 23, 2016 (California), per state regulator 6. **[Rob Clark](https://lendb.ai/lo/rob-clark-182527)** (NMLS 182527), Guaranteed Rate Affinity, LLC, Alexandria, VA - Lists Refinance on lender page (lender page, verified 2026-10-21) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 35 years of experience (lender page, 2026-10-21) 7. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 4, 2013 (Oregon), per state regulator 8. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 19, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-19) 9. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 26, 2025 (Florida), per state regulator 10. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 15, 2022 (Florida), per state regulator 11. **[Patrick Norman](https://lendb.ai/lo/patrick-norman-303097)** (NMLS 303097), CrossCountry Mortgage, Fairfax, VA - Lists Refinance on lender page (lender page, verified 2026-10-26) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-26) 12. **[Mark Niosi](https://lendb.ai/lo/mark-niosi-216306)** (NMLS 216306), CrossCountry Mortgage, Dunkirk, MD - Lists Refinance on lender page (lender page, verified 2026-10-21) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 23, 2020 (Florida), per state regulator - States 24 years of experience (lender page, 2026-10-21) 13. **[Mike Filan](https://lendb.ai/lo/michael-filan-659409)** (NMLS 659409), CrossCountry Mortgage, Fairfax, VA - Lists Refinance on lender page (lender page, verified 2026-10-22) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 22, 2024 (Colorado), per state regulator - States 24 years of experience (lender page, 2026-10-22) 14. **[Liz McElroy- Filan](https://lendb.ai/lo/elizabeth-mcelroy-659461)** (NMLS 659461), CrossCountry Mortgage, Fairfax, VA - Lists Refinance on lender page (lender page, verified 2026-10-26) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 13, 2014 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-26) 15. **[Francoise Gonzales](https://lendb.ai/lo/francoise-gonzales-314050)** (NMLS 314050), CrossCountry Mortgage, Columbia, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 6, 2025 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-26) 16. **[Lee Blades](https://lendb.ai/lo/leroy-blades-144593)** (NMLS 144593), CrossCountry Mortgage, Reston, VA - Lists Refinance on lender page (lender page, verified 2026-10-22) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 10, 2025 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-22) 17. **[Chad Freeman](https://lendb.ai/lo/chad-freeman-453581)** (NMLS 453581), CrossCountry Mortgage, North Bethesda, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 26, 2026 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-26) 18. **[Sarena Talbert](https://lendb.ai/lo/sarena-talbert-1043739)** (NMLS 1043739), CrossCountry Mortgage, Newport Beach, CA - Lists Refinance on lender page (lender page, verified 2026-10-22) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 19, 2018 (California), per state regulator - States 28 years of experience (lender page, 2026-10-22) 19. **[Jerry Sundt](https://lendb.ai/lo/gerald-sundt-168111)** (NMLS 168111), CrossCountry Mortgage, Tucson, AZ - Lists Refinance on lender page (lender page, verified 2026-10-22) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 14, 2007 (Colorado), per state regulator 20. **[Bruce O'Kronley](https://lendb.ai/lo/bruce-o-kronley-30743)** (NMLS 30743), CrossCountry Mortgage, Southfield, MI - Lists Refinance on lender page (lender page, verified 2026-10-26) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 18, 2008 (Illinois), per state regulator 21. **[Nathan Fitzgerald](https://lendb.ai/lo/nathan-fitzgerald-369554)** (NMLS 369554), CrossCountry Mortgage, Orlando, FL - Lists Refinance on lender page (lender page, verified 2026-10-21) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 4, 2022 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-21) 22. **[Ryan George](https://lendb.ai/lo/ryan-george-5692)** (NMLS 5692), CrossCountry Mortgage, Frederick, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 28, 2011 (California), per state regulator 23. **[Aaron Jacobson](https://lendb.ai/lo/aaron-jacobson-1329933)** (NMLS 1329933), CrossCountry Mortgage, Annapolis, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 12, 2015 (Wisconsin), per state regulator 24. **[Gus Anderson](https://lendb.ai/lo/gustav-anderson-1448809)** (NMLS 1448809), CrossCountry Mortgage, Fairfax, VA - Lists Refinance on lender page (lender page, verified 2026-10-26) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 8, 2019 (Florida), per state regulator - States 11 years of experience (lender page, 2026-10-26) 25. **[Tim Potempa](https://lendb.ai/lo/timothy-potempa-454708)** (NMLS 454708), CrossCountry Mortgage, Phoenix, AZ - Lists Refinance on lender page (lender page, verified 2026-10-26) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 9, 2015 (California), 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/district-of-columbia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._