Borrower situations · Florida
Loan officers for homeowners who are refinancing in Florida
As of 2026-10-26, LenDb lists 157 loan officers licensed in or based in Florida whose lender pages show Refinance work. The top-ranked are Dan Lolli (Guaranteed Rate Affinity, LLC, Naples), Katherine Rivas (Embrace Home Loans, Viera) and William Gonzalez (OM Mortgage, LLC, Tampa). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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
Dan LolliNMLS 375497
Guaranteed Rate Affinity, LLC · Naples, FL
- Refinance
- Jumbo loan
- New construction
- Self-employed
- ✓Licensed in FL: confirmed with the Florida regulator (license LO4075), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Naples, FL
- Earliest state license record: March 17, 2011 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 2
Katherine RivasNMLS 1005484
Embrace Home Loans · Viera, FL
- Refinance
- First-time buyer
- New construction
- Self-employed
- ✓Licensed in FL: confirmed with the Florida regulator (license LO55112), verified 2026-10-15
- Focus: Refinance (from their own specialty list on their lender page, verified 2026-10-21)
- Office in Viera, FL
- Earliest state license record: July 25, 2018 (Florida), per state regulator
- 3
William GonzalezNMLS 141405
OM Mortgage, LLC · Tampa, FL
- Refinance
- ✓Licensed in FL: confirmed with the Florida regulator (license LO8155), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-23)
- Office in Tampa, FL
- Earliest state license record: July 8, 2011 (Florida), per state regulator
- 4
Kim ShueyNMLS 410338
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 15 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO56335), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 22, 2011 (Texas), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 5
Chelsea MastersonNMLS 1407263
CrossCountry Mortgage · Sarasota, FL · licensed in 2 states
- Refinance
- FHA loan
- First-time buyer
- HELOC
- ✓Licensed in FL: confirmed with the Florida regulator (license LO128512), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Sarasota, FL
- Earliest state license record: May 8, 2024 (Florida), per state regulator
- 6
Jim SarverNMLS 144473
Newrez · Mount Pleasant, SC · licensed in 4 states
- Refinance
- ✓Licensed in FL: confirmed with the Florida regulator (license LO101155), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: January 26, 2022 (Florida), per state regulator
- States 30 years of experience (lender page, 2026-10-26)
- 7
Beverly LiesyNMLS 241577
Newrez · Seattle, WA · licensed in 5 states
- Refinance
- New construction
- ✓Licensed in FL: confirmed with the Florida regulator (license LO130606), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 30, 2019 (Oregon), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
- 8
Kathleen SpicuzzaNMLS 865895
CrossCountry Mortgage · Las Vegas, NV · licensed in 6 states
- Refinance
- Reverse mortgage
- VA loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO107703), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: September 18, 2019 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 9
Ricky SowersNMLS 1598158
AnnieMac Home Mortgage · Apollo Beach, FL
- Refinance
- First-time buyer
- Real estate investor
- VA loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO41574), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Apollo Beach, FL
- Earliest state license record: March 23, 2017 (Florida), per state regulator
- States 8 years of experience (lender page, 2026-10-20)
- 10
Stephanie O'FarrellNMLS 95809
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 16 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO9450), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: November 17, 2008 (Illinois), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 11
Tyler BahnsenNMLS 362852
CMG Home Loans · Miami, FL · licensed in 13 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO11625), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Miami, FL
- Earliest state license record: October 20, 2011 (Florida), per state regulator
- States 21 years of experience (lender page, 2026-10-20)
- 12
Eric SandersNMLS 419372
Embrace Home Loans · Tampa, FL
- Refinance
- First-time buyer
- ✓Licensed in FL: confirmed with the Florida regulator (license LO24292), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Tampa, FL
- Earliest state license record: April 8, 2014 (Florida), per state regulator
- 13
Steve HochreinNMLS 133559
Newrez · Columbia, MD · licensed in 15 states
- Refinance
- ✓Licensed in FL: confirmed with the Florida regulator (license LO2794), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: February 21, 2011 (Florida), per state regulator
- States 14 years of experience (lender page, 2026-10-14)
- 14
Christine O'ReillyNMLS 145242
Empire Home Loans · Mortgage broker · Fair Oaks, CA · licensed in 2 states
- Refinance
- FHA loan
- VA loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO62705), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: June 13, 2005 (Illinois), per state regulator
- States 37 years of experience (lender page, 2026-10-21)
- 15
Ryan PerrenoudNMLS 250511
Bayshore Mortgage Funding, LLC · licensed in 5 states
- Refinance
- FHA loan
- First-time buyer
- VA loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO111068), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: July 26, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 16
Jason SmithNMLS 1030753
Ladera Lending, Inc. · Lake Forest, CA · licensed in 8 states
- Refinance
- ✓Licensed in FL: confirmed with the Florida regulator (license LO126897), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: June 21, 2013 (Oregon), per state regulator
- 17
Jason InglishNMLS 934863
ALCOVA Mortgage · Cumberland, MD · licensed in 7 states
- Refinance
- FHA loan
- Real estate investor
- USDA loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO111170), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: July 26, 2022 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 18
Dennis VoNMLS 202984
CMG Home Loans · Miami, FL · licensed in 5 states
- Refinance
- Asset-based qualifying
- Bank statement loan
- Condo
- ✓Licensed in FL: confirmed with the Florida regulator (license LO51292), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Miami, FL
- Earliest state license record: March 5, 2018 (Florida), per state regulator
- 19
Anita AguilarNMLS 498749
Cardinal Financial Company · San Diego, CA · licensed in 3 states
- Refinance
- First-time buyer
- Real estate investor
- ✓Licensed in FL: confirmed with the Florida regulator (license LO135974), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 23, 2011 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 20
Jeremy WetzelNMLS 3364
CrossCountry Mortgage · Louisville, KY · licensed in 10 states
- Refinance
- First-time buyer
- FHA loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO12097), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: November 3, 2010 (Illinois), per state regulator
- States 23 years of experience (lender page, 2026-10-21)
- 21
Christopher ArnoldNMLS 1702764
Newrez · Fort Washington, PA · licensed in 15 states
- Refinance
- ✓Licensed in FL: confirmed with the Florida regulator (license LO50431), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: January 30, 2018 (Wisconsin), per state regulator
- 22
Andrew BocciNMLS 2056968
First Heritage Mortgage · Tampa, FL · licensed in 2 states
- Refinance
- ✓Licensed in FL: confirmed with the Florida regulator (license LO83610), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Tampa, FL
- Earliest state license record: March 10, 2021 (Florida), per state regulator
- 23
George TsemberlisNMLS 1760286
CrossCountry Mortgage · White Plains, NY · licensed in 6 states
- Refinance
- First-time buyer
- Real estate investor
- FHA loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO78120), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: December 3, 2020 (Florida), per state regulator
- States 15 years of experience (lender page, 2026-10-26)
- 24
Tim TallisNMLS 339303
Veterans United Home Loans · Columbia, MO · licensed in 6 states
- Refinance
- VA loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO8999), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 30, 2011 (California), per state regulator
- 25
Christopher AylwardNMLS 2465130
Consumer Real Estate Finance Co. · Fort Lauderdale, FL · licensed in 5 states
- Refinance
- ✓Licensed in FL: confirmed with the Florida regulator (license LO127485), verified 2026-10-15
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Fort Lauderdale, FL
- Earliest state license record: April 4, 2024 (Florida), per state regulator
- States 3 years of experience (lender page, 2026-10-21)
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 FL license is confirmed with the state regulator (check mark), FL 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=FL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.