--- canonical_url: https://lendb.ai/s/refinance/idaho last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Teri Adams](https://lendb.ai/lo/teri-adams-880762)** (NMLS 880762), Guild Mortgage, Twin Falls, ID - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Twin Falls, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 10 years of experience (lender page, 2026-10-26) 2. **[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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 3, 2010 (Illinois), per state regulator - States 23 years of experience (lender page, 2026-10-21) 3. **[Nick Carter](https://lendb.ai/lo/nick-carter-200547)** (NMLS 200547), Directors Mortgage, Eugene, OR - Lists Refinance on lender page (lender page, verified 2026-10-21) - ID 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 4. **[Eric Raso](https://lendb.ai/lo/eric-raso-457108)** (NMLS 457108), CMG Home Loans, Tempe, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 27, 2014 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-20) 5. **[Camille Olson](https://lendb.ai/lo/camille-olson-474281)** (NMLS 474281), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-19) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 10, 2014 (Texas), per state regulator 6. **[Samantha Lindley](https://lendb.ai/lo/samantha-lindley-1210610)** (NMLS 1210610), American Pacific Mortgage, Kennewick, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 11, 2014 (Oregon), per state regulator - States 9 years of experience (lender page, 2026-10-20) 7. **[Jessica Willis](https://lendb.ai/lo/jessica-willis-1402202)** (NMLS 1402202), American Pacific Mortgage, Eagle, ID - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Eagle, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 8. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Refinance on lender page (lender page, verified 2026-10-20) - ID 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 9. **[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) - ID 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 10. **[Gail Bean](https://lendb.ai/lo/gail-bean-583000)** (NMLS 583000), CMG Home Loans, Mill Creek, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 14, 2020 (Oregon), per state regulator - States 25 years of experience (lender page, 2026-10-11) 11. **[Jennifer Buckholz](https://lendb.ai/lo/jennifer-buckholz-265867)** (NMLS 265867), CMG Home Loans, Federal Way, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 26, 2011 (Oregon), per state regulator 12. **[Ashley Ortega](https://lendb.ai/lo/ashley-ortega-238561)** (NMLS 238561), CMG Home Loans, Coronado, CA - Lists Refinance on lender page (lender page, verified 2026-10-20) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 17, 2012 (California), per state regulator 13. **[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) - ID 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 14. **[Julie Ann Jackson](https://lendb.ai/lo/julie-ann-jackson-108829)** (NMLS 108829), CMG Home Loans, Oak Harbor, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Mike Gillett](https://lendb.ai/lo/michael-gillett-362285)** (NMLS 362285), Mortgage Marketplace LLC, Salem, OR - Lists Refinance on lender page (lender page, verified 2026-10-22) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 27, 2015 (California), per state regulator - States 30 years of experience (lender page, 2026-10-22) 16. **[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) - ID 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) 17. **[Andy Price](https://lendb.ai/lo/william-price-175742)** (NMLS 175742), Price Mortgage - Lists Refinance on lender page (lender page, verified 2026-10-21) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 16, 2017 (California), per state regulator - States 15 years of experience (lender page, 2026-10-21) 18. **[Matt Briggs](https://lendb.ai/lo/matt-briggs-605219)** (NMLS 605219), CrossCountry Mortgage, ID - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Idaho - ID 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) 19. **[Raena Pinchuk](https://lendb.ai/lo/raena-pinchuk-1488388)** (NMLS 1488388), CrossCountry Mortgage, ID - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Idaho - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 1, 2021 (California), per state regulator - States 17 years of experience (lender page, 2026-10-26) 20. **[Noel Smith](https://lendb.ai/lo/noel-smith-156016)** (NMLS 156016), CrossCountry Mortgage, Boise, ID - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Boise, ID - ID 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 21. **[Amy Herber](https://lendb.ai/lo/amy-herber-880954)** (NMLS 880954), American Pacific Mortgage, Eagle, ID - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Eagle, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 30, 2015 (Oregon), per state regulator 22. **[Cody Villano](https://lendb.ai/lo/cody-villano-2185555)** (NMLS 2185555), CrossCountry Mortgage, Meridian, ID - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Meridian, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 1, 2021 (Florida), per state regulator 23. **[Michael Smalley](https://lendb.ai/lo/michael-smalley-289846)** (NMLS 289846), CrossCountry Mortgage, Winter Park, FL - Lists Refinance on lender page (lender page, verified 2026-10-22) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 15, 2024 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-22) 24. **[Roger Howell](https://lendb.ai/lo/roger-howell-74935)** (NMLS 74935), CrossCountry Mortgage, Boise, ID - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Boise, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Marylee Gilchrist](https://lendb.ai/lo/marylee-gilchrist-242466)** (NMLS 242466), CrossCountry Mortgage, Cottonwood Heights, UT - Lists Refinance on lender page (lender page, verified 2026-10-22) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 17, 2012 (Colorado), per state regulator - States 41 years of experience (lender page, 2026-10-22) ## 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/idaho. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._