--- canonical_url: https://lendb.ai/s/refinance/maine last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Mike Schuster](https://lendb.ai/lo/michael-schuster-1980879)** (NMLS 1980879), CrossCountry Mortgage, Columbia, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 26, 2021 (Illinois), per state regulator 2. **[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) - ME 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) 3. **[Roger Odoardi](https://lendb.ai/lo/roger-odoardi-12906)** (NMLS 12906), Blue Water Mortgage, LLC - Lists Refinance on lender page (lender page, verified 2026-10-26) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 21, 2018 (Florida), per state regulator 4. **[DJ Joyce](https://lendb.ai/lo/dj-joyce-2540027)** (NMLS 2540027), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 21, 2023 (Oregon), per state regulator 5. **[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) - ME 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 6. **[Michael Bush](https://lendb.ai/lo/michael-bush-67031)** (NMLS 67031), Guild Mortgage, North Attleboro, MA - Lists Refinance on lender page (lender page, verified 2026-10-26) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 15, 2023 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-19) 7. **[Cynthia G. Fogg](https://lendb.ai/lo/cynthia-g-fogg-446156)** (NMLS 446156), Bangor Savings Bank, Bangor, ME - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Bangor, ME - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 8. **[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) - ME 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 9. **[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) - ME 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 10. **[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) - ME 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) 11. **[Jay Healy](https://lendb.ai/lo/john-healy-12905)** (NMLS 12905), Blue Water Mortgage, LLC - Lists Refinance on lender page (lender page, verified 2026-10-26) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 24, 2023 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-15) 12. **[Sandra Guide](https://lendb.ai/lo/sandra-guide-781301)** (NMLS 781301), Embrace Home Loans, Manchester, NH - Lists Refinance on lender page (lender page, verified 2026-10-21) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 9, 2026 (Florida), per state regulator 13. **[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) - ME 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 14. **[Patrick Cannon](https://lendb.ai/lo/patrick-cannon-1486800)** (NMLS 1486800), CrossCountry Mortgage, South Portland, ME - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in South Portland, ME - ME 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) 15. **[George Koutsos](https://lendb.ai/lo/george-koutsos-29613)** (NMLS 29613), CrossCountry Mortgage, Beverly, MA - Lists Refinance on lender page (lender page, verified 2026-10-22) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 11, 2013 (Florida), per state regulator - States 35 years of experience (lender page, 2026-10-22) 16. **[Andrew Marquis](https://lendb.ai/lo/andrew-marquis-29861)** (NMLS 29861), CrossCountry Mortgage, Lexington, MA - Lists Refinance on lender page (lender page, verified 2026-10-22) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 14, 2019 (California), per state regulator - States 22 years of experience (lender page, 2026-10-22) 17. **[Chris Devin](https://lendb.ai/lo/christopher-devin-47305)** (NMLS 47305), CrossCountry Mortgage, Norwell, MA - Lists Refinance on lender page (lender page, verified 2026-10-22) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 3, 2018 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-22) 18. **[Lili Richmond](https://lendb.ai/lo/lili-richmond-22261)** (NMLS 22261), CrossCountry Mortgage, South Portland, ME - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in South Portland, ME - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Chris Dahlgaard](https://lendb.ai/lo/eric-dahlgaard-337672)** (NMLS 337672), CrossCountry Mortgage, Tampa, FL - Lists Refinance on lender page (lender page, verified 2026-10-22) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 15, 2011 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-22) 20. **[Casey Hamlin](https://lendb.ai/lo/casey-hamlin-374491)** (NMLS 374491), CrossCountry Mortgage, South Portland, ME - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in South Portland, ME - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - Lists Refinance on lender page (lender page, verified 2026-10-22) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 2, 2018 (Wisconsin), per state regulator - States 20 years of experience (lender page, 2026-10-22) 22. **[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) - ME 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) 23. **[Leo Turco](https://lendb.ai/lo/leo-turco-706769)** (NMLS 706769), CrossCountry Mortgage, Topsfield, MA - Lists Refinance on lender page (lender page, verified 2026-10-22) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 3, 2025 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-22) 24. **[Debbie O'Rourke](https://lendb.ai/lo/debbie-o-rourke-21486)** (NMLS 21486), CrossCountry Mortgage, Newton, MA - Lists Refinance on lender page (lender page, verified 2026-10-26) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-26) 25. **[Bruce O'Kronley](https://lendb.ai/lo/bruce-o-kronley-30743)** (NMLS 30743), CrossCountry Mortgage, Southfield, MI - Lists Refinance on lender page (lender page, verified 2026-10-26) - ME listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 18, 2008 (Illinois), 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/maine. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._