--- canonical_url: https://lendb.ai/s/refinance/hawaii last_verified: 2026-10-26 --- # Loan officers for homeowners who are refinancing in Hawaii As of 2026-10-26, LenDb lists 36 loan officers licensed in or based in Hawaii whose lender pages show Refinance work. The top-ranked are Sharon Rasos (Barrett Financial Group, Aiea), Lindsay Witter (American Pacific Mortgage, Roseville) and Benjamin Williams (Guild Mortgage, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Sharon Rasos](https://lendb.ai/lo/sharon-rasos-364032)** (NMLS 364032), Barrett Financial Group, Aiea, HI - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Aiea, HI - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 14, 2023 (Texas), per state regulator 2. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Refinance on lender page (lender page, verified 2026-10-20) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 26, 2012 (Oregon), per state regulator 3. **[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) - HI 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 4. **[Joel Kurata](https://lendb.ai/lo/joel-kurata-920792)** (NMLS 920792), Barrett Financial Group, Gilbert, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 12 years of experience (lender page, 2026-10-20) 5. **[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) - HI 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) 6. **[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) - HI 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 7. **[Kayla Barney](https://lendb.ai/lo/kayla-barney-2371086)** (NMLS 2371086), CrossCountry Mortgage, Honolulu, HI - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Honolulu, HI - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 16, 2023 (California), per state regulator 8. **[Andrea Walker](https://lendb.ai/lo/andrea-walker-685889)** (NMLS 685889), CrossCountry Mortgage, Honolulu, HI - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Honolulu, HI - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[Chet Wisinski](https://lendb.ai/lo/chester-wisinski-83495)** (NMLS 83495), CrossCountry Mortgage, Charlotte, NC - Lists Refinance on lender page (lender page, verified 2026-10-26) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 17, 2014 (Wisconsin), per state regulator - States 20 years of experience (lender page, 2026-10-26) 10. **[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) - HI 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) 11. **[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) - HI 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 12. **[Jared Paul](https://lendb.ai/lo/jared-paul-974114)** (NMLS 974114), CrossCountry Mortgage, Scottsdale, AZ - Lists Refinance on lender page (lender page, verified 2026-10-26) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 12, 2015 (California), per state regulator - States 20 years of experience (lender page, 2026-10-26) 13. **[Chuck Dindia](https://lendb.ai/lo/charles-dindia-43931)** (NMLS 43931), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-22) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 31, 2010 (Oregon), per state regulator 14. **[Maddox Rees](https://lendb.ai/lo/maddox-rees-255511)** (NMLS 255511), CrossCountry Mortgage, San Juan Capistrano, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 27, 2012 (California), per state regulator 15. **[Austin Lampson](https://lendb.ai/lo/austin-lampson-517060)** (NMLS 517060), CrossCountry Mortgage, Benicia, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 9, 2011 (California), per state regulator 16. **[Mark Villano](https://lendb.ai/lo/mark-villano-1306487)** (NMLS 1306487), CrossCountry Mortgage, Lakewood, WA - Lists Refinance on lender page (lender page, verified 2026-10-22) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 20, 2018 (California), per state regulator - States 12 years of experience (lender page, 2026-10-22) 17. **[Chrissy Pullis](https://lendb.ai/lo/christine-pullis-55237)** (NMLS 55237), CrossCountry Mortgage, Denville, NJ - Lists Refinance on lender page (lender page, verified 2026-10-26) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 25, 2013 (California), per state regulator 18. **[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) - HI 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 19. **[Kelly Hintz](https://lendb.ai/lo/kelly-hintz-450644)** (NMLS 450644), CrossCountry Mortgage, Scottsdale, AZ - Lists Refinance on lender page (lender page, verified 2026-10-22) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 26, 2016 (Oregon), per state regulator 20. **[Eric Wallberg](https://lendb.ai/lo/eric-wallberg-25362)** (NMLS 25362), CrossCountry Mortgage, Boca Raton, FL - Lists Refinance on lender page (lender page, verified 2026-10-22) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 4, 2016 (California), per state regulator 21. **[Brian Weeks](https://lendb.ai/lo/brian-weeks-1557610)** (NMLS 1557610), CrossCountry Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-26) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 7, 2016 (Colorado), per state regulator 22. **[Peter Costakos](https://lendb.ai/lo/peter-costakos-139540)** (NMLS 139540), CrossCountry Mortgage, Purchase, NY - Lists Refinance on lender page (lender page, verified 2026-10-21) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 2, 2017 (Florida), per state regulator 23. **[Charles Toll](https://lendb.ai/lo/charles-toll-1783114)** (NMLS 1783114), CrossCountry Mortgage, San Juan Capistrano, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 22, 2018 (Texas), per state regulator 24. **[Bruce Brinkerhoff](https://lendb.ai/lo/bruce-brinkerhoff-639483)** (NMLS 639483), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-22) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 15, 2019 (Oregon), per state regulator 25. **[Damon Blackwell](https://lendb.ai/lo/damon-blackwell-1812775)** (NMLS 1812775), CrossCountry Mortgage, Henderson, NV - Lists Refinance on lender page (lender page, verified 2026-10-22) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 17, 2019 (Texas), 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/hawaii. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._