Borrower situations · Maine
Loan officers for homeowners who are refinancing in Maine
As of 2026-10-26, LenDb lists 63 loan officers licensed in or based in Maine whose lender pages show Refinance work. The top-ranked are Mike Schuster (CrossCountry Mortgage, Columbia), Eric Raso (CMG Home Loans, Tempe) and Roger Odoardi (Blue Water Mortgage, LLC). Ranking is lender-neutral: specialty evidence first, then a license in ME, 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
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- ME 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: April 26, 2021 (Illinois), per state regulator
- 2
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- ME 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)
- 3
Roger OdoardiNMLS 12906
Blue Water Mortgage, LLC · licensed in 9 states
- Refinance
- First-time buyer
- Construction loan
- HELOC
- ME 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 21, 2018 (Florida), per state regulator
- 4
DJ JoyceNMLS 2540027
CrossCountry Mortgage · Cleveland, OH · licensed in 12 states
- Refinance
- FHA loan
- First-time buyer
- HELOC
- ME 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: December 21, 2023 (Oregon), per state regulator
- 5
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- ME 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
- 6
Michael BushNMLS 67031
Guild Mortgage · North Attleboro, MA · licensed in 8 states
- Refinance
- Jumbo loan
- Down payment assistance
- First-time buyer
- ME 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: December 15, 2023 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-19)
- 7
Cynthia G. FoggNMLS 446156
Bangor Savings Bank · Bank · Bangor, ME
- Refinance
- First-time buyer
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Bangor, ME
- 8
Jennifer BuckholzNMLS 265867
CMG Home Loans · Federal Way, WA · licensed in 28 states
- Refinance
- First-time buyer
- ME 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
- 9
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- ME 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
- 10
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- ME 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)
- 11
Jay HealyNMLS 12905
Blue Water Mortgage, LLC · licensed in 6 states
- Refinance
- First-time buyer
- ME 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: April 24, 2023 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-15)
- 12
Sandra GuideNMLS 781301
Embrace Home Loans · Manchester, NH · licensed in 5 states
- Refinance
- First-time buyer
- Jumbo loan
- New construction
- ME 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 9, 2026 (Florida), per state regulator
- 13
Sarah PichardoNMLS 229120
CMG Home Loans · Fairfax, VA · licensed in 39 states
- Refinance
- ME 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 15, 2022 (Florida), per state regulator
- 14
Patrick CannonNMLS 1486800
CrossCountry Mortgage · South Portland, ME · licensed in 4 states
- Refinance
- First-time buyer
- FHA loan
- HELOC
- ME 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 South Portland, ME
- States 10 years of experience (lender page, 2026-10-26)
- 15
George KoutsosNMLS 29613
CrossCountry Mortgage · Beverly, MA · licensed in 15 states
- Refinance
- Down payment assistance
- Jumbo loan
- First-time buyer
- ME 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: April 11, 2013 (Florida), per state regulator
- States 35 years of experience (lender page, 2026-10-22)
- 16
Andrew MarquisNMLS 29861
CrossCountry Mortgage · Lexington, MA · licensed in 25 states
- Refinance
- Jumbo loan
- Non-QM loan
- ME 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: November 14, 2019 (California), per state regulator
- States 22 years of experience (lender page, 2026-10-22)
- 17
Chris DevinNMLS 47305
CrossCountry Mortgage · Norwell, MA · licensed in 22 states
- Refinance
- Jumbo loan
- VA loan
- First-time buyer
- ME 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: January 3, 2018 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 18
Lili RichmondNMLS 22261
CrossCountry Mortgage · South Portland, ME
- Refinance
- FHA loan
- First-time buyer
- ME 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 South Portland, ME
- 19
Chris DahlgaardNMLS 337672
CrossCountry Mortgage · Tampa, FL · licensed in 10 states
- Refinance
- Renovation loan (203k / HomeStyle)
- VA loan
- ME 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: September 15, 2011 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 20
Casey HamlinNMLS 374491
CrossCountry Mortgage · South Portland, ME · licensed in 2 states
- Refinance
- USDA loan
- First-time buyer
- ME 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 South Portland, ME
- 21
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- Refinance
- Renovation loan (203k / HomeStyle)
- ME 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: April 2, 2018 (Wisconsin), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 22
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 50 states
- Refinance
- Jumbo loan
- Non-QM loan
- Reverse mortgage
- ME 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: December 19, 2018 (California), per state regulator
- States 28 years of experience (lender page, 2026-10-22)
- 23
Leo TurcoNMLS 706769
CrossCountry Mortgage · Topsfield, MA · licensed in 4 states
- Refinance
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- First-time buyer
- ME 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: February 3, 2025 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-22)
- 24
Debbie O'RourkeNMLS 21486
CrossCountry Mortgage · Newton, MA · licensed in 4 states
- Refinance
- Jumbo loan
- First-time buyer
- HELOC
- ME 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)
- States 25 years of experience (lender page, 2026-10-26)
- 25
Bruce O'KronleyNMLS 30743
CrossCountry Mortgage · Southfield, MI · licensed in 30 states
- Refinance
- FHA loan
- First-time buyer
- ME 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: January 18, 2008 (Illinois), per state regulator
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 ME license is confirmed with the state regulator (check mark), ME 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=ME. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.