Borrower situations · Idaho
Loan officers for homeowners who are refinancing in Idaho
As of 2026-10-26, LenDb lists 85 loan officers licensed in or based in Idaho whose lender pages show Refinance work. The top-ranked are Teri Adams (Guild Mortgage, Twin Falls), Jeremy Wetzel (CrossCountry Mortgage, Louisville) and Nick Carter (Directors Mortgage, Eugene). Ranking is lender-neutral: specialty evidence first, then a license in ID, 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
Teri AdamsNMLS 880762
Guild Mortgage · Twin Falls, ID
- Refinance
- Reverse mortgage
- First-time buyer
- ID 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)
- Office in Twin Falls, ID
- States 10 years of experience (lender page, 2026-10-26)
- 2
Jeremy WetzelNMLS 3364
CrossCountry Mortgage · Louisville, KY · licensed in 10 states
- Refinance
- First-time buyer
- FHA loan
- ID 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 3, 2010 (Illinois), per state regulator
- States 23 years of experience (lender page, 2026-10-21)
- 3
Nick CarterNMLS 200547
Directors Mortgage · Eugene, OR · licensed in 8 states
- Refinance
- Real estate investor
- Vacation home
- ID 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: July 31, 2010 (Oregon), per state regulator
- 4
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- ID 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 27, 2014 (Colorado), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 5
Camille OlsonNMLS 474281
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 11 states
- Refinance
- Down payment assistance
- ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-19)
- Earliest state license record: July 10, 2014 (Texas), per state regulator
- 6
Samantha LindleyNMLS 1210610
American Pacific Mortgage · Kennewick, WA · licensed in 5 states
- Refinance
- Jumbo loan
- Manufactured home
- New construction
- ID 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: September 11, 2014 (Oregon), per state regulator
- States 9 years of experience (lender page, 2026-10-20)
- 7
Jessica WillisNMLS 1402202
American Pacific Mortgage · Eagle, ID · licensed in 2 states
- Refinance
- Condo
- Construction loan
- Down payment assistance
- ID 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)
- Office in Eagle, ID
- 8
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Refinance
- Bank statement loan
- Down payment assistance
- DSCR loan
- ID 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: July 31, 2010 (Oregon), per state regulator
- 9
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- ID 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: January 26, 2012 (Oregon), per state regulator
- 10
Gail BeanNMLS 583000
CMG Home Loans · Mill Creek, WA · licensed in 5 states
- Refinance
- First-time buyer
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- ID 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: May 14, 2020 (Oregon), per state regulator
- States 25 years of experience (lender page, 2026-10-11)
- 11
Jennifer BuckholzNMLS 265867
CMG Home Loans · Federal Way, WA · licensed in 28 states
- Refinance
- First-time buyer
- ID 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: July 26, 2011 (Oregon), per state regulator
- 12
Ashley OrtegaNMLS 238561
CMG Home Loans · Coronado, CA · licensed in 11 states
- Refinance
- HELOC
- Jumbo loan
- FHA loan
- ID 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: July 17, 2012 (California), per state regulator
- 13
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- ID 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
- 14
Julie Ann JacksonNMLS 108829
CMG Home Loans · Oak Harbor, WA · licensed in 9 states
- Refinance
- Renovation loan (203k / HomeStyle)
- ID 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)
- 15
Mike GillettNMLS 362285
Mortgage Marketplace LLC · Salem, OR · licensed in 7 states
- Refinance
- First-time buyer
- DSCR loan
- FHA loan
- ID 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 27, 2015 (California), per state regulator
- States 30 years of experience (lender page, 2026-10-22)
- 16
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- ID 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)
- 17
Andy PriceNMLS 175742
Price Mortgage · Mortgage broker · licensed in 30 states
- Refinance
- ID 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 16, 2017 (California), per state regulator
- States 15 years of experience (lender page, 2026-10-21)
- 18
Matt BriggsNMLS 605219
CrossCountry Mortgage · Idaho · licensed in 2 states
- Refinance
- Jumbo loan
- Non-QM loan
- VA loan
- ID 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)
- Office in Idaho
- States 20 years of experience (lender page, 2026-10-26)
- 19
Raena PinchukNMLS 1488388
CrossCountry Mortgage · Idaho · licensed in 4 states
- Refinance
- Self-employed
- VA loan
- New construction
- ID 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)
- Office in Idaho
- Earliest state license record: March 1, 2021 (California), per state regulator
- States 17 years of experience (lender page, 2026-10-26)
- 20
Noel SmithNMLS 156016
CrossCountry Mortgage · Boise, ID · licensed in 3 states
- Refinance
- Non-QM loan
- Real estate investor
- VA loan
- ID 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)
- Office in Boise, ID
- Earliest state license record: July 31, 2010 (Oregon), per state regulator
- 21
Amy HerberNMLS 880954
American Pacific Mortgage · Eagle, ID · licensed in 9 states
- Refinance
- Construction loan
- Down payment assistance
- FHA loan
- ID 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)
- Office in Eagle, ID
- Earliest state license record: April 30, 2015 (Oregon), per state regulator
- 22
Cody VillanoNMLS 2185555
CrossCountry Mortgage · Meridian, ID · licensed in 18 states
- Refinance
- FHA loan
- First-time buyer
- ID 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)
- Office in Meridian, ID
- Earliest state license record: November 1, 2021 (Florida), per state regulator
- 23
Michael SmalleyNMLS 289846
CrossCountry Mortgage · Winter Park, FL · licensed in 15 states
- Refinance
- Construction loan
- Down payment assistance
- Real estate investor
- ID 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: August 15, 2024 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 24
Roger HowellNMLS 74935
CrossCountry Mortgage · Boise, ID
- Refinance
- FHA loan
- First-time buyer
- ID 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)
- Office in Boise, ID
- 25
Marylee GilchristNMLS 242466
CrossCountry Mortgage · Cottonwood Heights, UT · licensed in 11 states
- Refinance
- VA loan
- FHA loan
- HELOC
- ID 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 17, 2012 (Colorado), per state regulator
- States 41 years of experience (lender page, 2026-10-22)
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 ID license is confirmed with the state regulator (check mark), ID 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=ID. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.