--- canonical_url: https://lendb.ai/s/refinance/florida last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Dan Lolli](https://lendb.ai/lo/daniel-lolli-375497)** (NMLS 375497), Guaranteed Rate Affinity, LLC, Naples, FL - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Naples, FL - Licensed in FL: confirmed with the Florida regulator (license LO4075), verified 2026-10-15 - Earliest state license record: March 17, 2011 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-21) 2. **[Katherine Rivas](https://lendb.ai/lo/katherine-rivas-1005484)** (NMLS 1005484), Embrace Home Loans, Viera, FL - Focus: Refinance (from their own specialty list on their lender page, verified 2026-10-21) - Office in Viera, FL - Licensed in FL: confirmed with the Florida regulator (license LO55112), verified 2026-10-15 - Earliest state license record: July 25, 2018 (Florida), per state regulator 3. **[William Gonzalez](https://lendb.ai/lo/william-gonzalez-141405)** (NMLS 141405), OM Mortgage, LLC, Tampa, FL - Lists Refinance on lender page (lender page, verified 2026-10-23) - Office in Tampa, FL - Licensed in FL: confirmed with the Florida regulator (license LO8155), verified 2026-10-15 - Earliest state license record: July 8, 2011 (Florida), per state regulator 4. **[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 FL: confirmed with the Florida regulator (license LO56335), verified 2026-10-15 - Earliest state license record: July 22, 2011 (Texas), per state regulator - States 20 years of experience (lender page, 2026-10-20) 5. **[Chelsea Masterson](https://lendb.ai/lo/chelsea-masterson-1407263)** (NMLS 1407263), CrossCountry Mortgage, Sarasota, FL - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Sarasota, FL - Licensed in FL: confirmed with the Florida regulator (license LO128512), verified 2026-10-15 - Earliest state license record: May 8, 2024 (Florida), per state regulator 6. **[Jim Sarver](https://lendb.ai/lo/james-sarver-144473)** (NMLS 144473), Newrez, Mount Pleasant, SC - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in FL: confirmed with the Florida regulator (license LO101155), verified 2026-10-15 - Earliest state license record: January 26, 2022 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-26) 7. **[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 FL: confirmed with the Florida regulator (license LO130606), verified 2026-10-15 - Earliest state license record: April 30, 2019 (Oregon), per state regulator - States 20 years of experience (lender page, 2026-10-26) 8. **[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 FL: confirmed with the Florida regulator (license LO107703), verified 2026-10-15 - Earliest state license record: September 18, 2019 (California), per state regulator - States 20 years of experience (lender page, 2026-10-22) 9. **[Ricky Sowers](https://lendb.ai/lo/richard-sowers-1598158)** (NMLS 1598158), AnnieMac Home Mortgage, Apollo Beach, FL - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Apollo Beach, FL - Licensed in FL: confirmed with the Florida regulator (license LO41574), verified 2026-10-15 - Earliest state license record: March 23, 2017 (Florida), per state regulator - States 8 years of experience (lender page, 2026-10-20) 10. **[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 FL: confirmed with the Florida regulator (license LO9450), verified 2026-10-15 - Earliest state license record: November 17, 2008 (Illinois), per state regulator - States 20 years of experience (lender page, 2026-10-20) 11. **[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) - Office in Miami, FL - Licensed in FL: confirmed with the Florida regulator (license LO11625), verified 2026-10-15 - Earliest state license record: October 20, 2011 (Florida), per state regulator - States 21 years of experience (lender page, 2026-10-20) 12. **[Eric Sanders](https://lendb.ai/lo/eric-sanders-419372)** (NMLS 419372), Embrace Home Loans, Tampa, FL - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Tampa, FL - Licensed in FL: confirmed with the Florida regulator (license LO24292), verified 2026-10-15 - Earliest state license record: April 8, 2014 (Florida), per state regulator 13. **[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 FL: confirmed with the Florida regulator (license LO2794), verified 2026-10-15 - Earliest state license record: February 21, 2011 (Florida), per state regulator - States 14 years of experience (lender page, 2026-10-14) 14. **[Christine O'Reilly](https://lendb.ai/lo/christine-o-reilly-145242)** (NMLS 145242), Empire Home Loans, Fair Oaks, CA - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in FL: confirmed with the Florida regulator (license LO62705), verified 2026-10-15 - Earliest state license record: June 13, 2005 (Illinois), per state regulator - States 37 years of experience (lender page, 2026-10-21) 15. **[Ryan Perrenoud](https://lendb.ai/lo/ryan-perrenoud-250511)** (NMLS 250511), Bayshore Mortgage Funding, LLC - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in FL: confirmed with the Florida regulator (license LO111068), verified 2026-10-15 - Earliest state license record: July 26, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-21) 16. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO126897), verified 2026-10-15 - Earliest state license record: June 21, 2013 (Oregon), per state regulator 17. **[Jason Inglish](https://lendb.ai/lo/jason-inglish-934863)** (NMLS 934863), ALCOVA Mortgage, Cumberland, MD - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in FL: confirmed with the Florida regulator (license LO111170), verified 2026-10-15 - Earliest state license record: July 26, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-21) 18. **[Dennis Vo](https://lendb.ai/lo/dennis-vo-202984)** (NMLS 202984), CMG Home Loans, Miami, FL - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Miami, FL - Licensed in FL: confirmed with the Florida regulator (license LO51292), verified 2026-10-15 - Earliest state license record: March 5, 2018 (Florida), per state regulator 19. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO135974), verified 2026-10-15 - Earliest state license record: June 23, 2011 (California), per state regulator - States 20 years of experience (lender page, 2026-10-19) 20. **[Jeremy Wetzel](https://lendb.ai/lo/jeremy-wetzel-3364)** (NMLS 3364), CrossCountry Mortgage, Louisville, KY - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in FL: confirmed with the Florida regulator (license LO12097), verified 2026-10-15 - Earliest state license record: November 3, 2010 (Illinois), per state regulator - States 23 years of experience (lender page, 2026-10-21) 21. **[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 FL: confirmed with the Florida regulator (license LO50431), verified 2026-10-15 - Earliest state license record: January 30, 2018 (Wisconsin), per state regulator 22. **[Andrew Bocci](https://lendb.ai/lo/andrew-bocci-2056968)** (NMLS 2056968), First Heritage Mortgage, Tampa, FL - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Tampa, FL - Licensed in FL: confirmed with the Florida regulator (license LO83610), verified 2026-10-15 - Earliest state license record: March 10, 2021 (Florida), per state regulator 23. **[George Tsemberlis](https://lendb.ai/lo/george-tsemberlis-1760286)** (NMLS 1760286), CrossCountry Mortgage, White Plains, NY - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in FL: confirmed with the Florida regulator (license LO78120), verified 2026-10-15 - Earliest state license record: December 3, 2020 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-26) 24. **[Tim Tallis](https://lendb.ai/lo/timothy-tallis-339303)** (NMLS 339303), Veterans United Home Loans, Columbia, MO - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in FL: confirmed with the Florida regulator (license LO8999), verified 2026-10-15 - Earliest state license record: June 30, 2011 (California), per state regulator 25. **[Christopher Aylward](https://lendb.ai/lo/christopher-aylward-2465130)** (NMLS 2465130), Consumer Real Estate Finance Co., Fort Lauderdale, FL - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Fort Lauderdale, FL - Licensed in FL: confirmed with the Florida regulator (license LO127485), verified 2026-10-15 - Earliest state license record: April 4, 2024 (Florida), per state regulator - States 3 years of experience (lender page, 2026-10-21) ## 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/florida. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._