Borrower situations · Maryland
Loan officers for homeowners who are refinancing in Maryland
As of 2026-10-26, LenDb lists 43 loan officers licensed in or based in Maryland whose lender pages show Refinance work. The top-ranked are Steve Hochrein (Newrez, Columbia), Jason Inglish (ALCOVA Mortgage, Cumberland) and James Conley (CrossCountry Mortgage, Columbia). Ranking is lender-neutral: specialty evidence first, then a license in MD, 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
Steve HochreinNMLS 133559
Newrez · Columbia, MD · licensed in 15 states
- Refinance
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Columbia, MD
- Earliest state license record: February 21, 2011 (Florida), per state regulator
- States 14 years of experience (lender page, 2026-10-14)
- 2
Jason InglishNMLS 934863
ALCOVA Mortgage · Cumberland, MD · licensed in 7 states
- Refinance
- FHA loan
- Real estate investor
- USDA loan
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Cumberland, MD
- Earliest state license record: July 26, 2022 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 3
James ConleyNMLS 2026522
CrossCountry Mortgage · Columbia, MD · licensed in 13 states
- Refinance
- FHA loan
- First-time buyer
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Columbia, MD
- Earliest state license record: August 3, 2022 (Wisconsin), per state regulator
- States 6 years of experience (lender page, 2026-10-26)
- 4
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Columbia, MD
- Earliest state license record: April 26, 2021 (Illinois), per state regulator
- 5
Tim HandNMLS 2399625
First Home Mortgage · Dunkirk, MD · licensed in 6 states
- Refinance
- First-time buyer
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Dunkirk, MD
- Earliest state license record: December 27, 2022 (Florida), per state regulator
- 6
Kim ShueyNMLS 410338
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 15 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 22, 2011 (Texas), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 7
Steve VallanceNMLS 175801
The Mortgage Link, Inc. · Rockville, MD · licensed in 5 states
- Refinance
- FHA loan
- USDA loan
- VA loan
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Rockville, MD
- Earliest state license record: March 30, 2022 (Texas), per state regulator
- 8
Stephanie O'FarrellNMLS 95809
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 16 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: November 17, 2008 (Illinois), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 9
Martha PfeifferNMLS 1722079
CrossCountry Mortgage · Dover, DE · licensed in 2 states
- Refinance
- FHA loan
- VA loan
- Construction loan
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- States 20 years of experience (lender page, 2026-10-26)
- 10
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Refinance
- Vacation home
- Bank statement loan
- DSCR loan
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Frederick, MD
- Earliest state license record: August 23, 2016 (California), per state regulator
- 11
Jason SmithNMLS 1030753
Ladera Lending, Inc. · Lake Forest, CA · licensed in 8 states
- Refinance
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: June 21, 2013 (Oregon), per state regulator
- 12
Jeff JoehlNMLS 208326
The Mortgage Link, Inc. · Rockville, MD
- Refinance
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Rockville, MD
- States 25 years of experience (lender page, 2026-10-15)
- 13
Christopher ArnoldNMLS 1702764
Newrez · Fort Washington, PA · licensed in 15 states
- Refinance
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: January 30, 2018 (Wisconsin), per state regulator
- 14
Jim SimpsonNMLS 420787
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 16 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: January 15, 2015 (Colorado), per state regulator
- States 22 years of experience (lender page, 2026-10-20)
- 15
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- 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)
- 16
Mark GundersenNMLS 397893
Mutual of Omaha Mortgage · St. Charles, IL · licensed in 11 states
- Refinance
- Down payment assistance
- FHA loan
- First-time buyer
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: November 20, 2012 (Illinois), per state regulator
- States 21 years of experience (lender page, 2026-10-20)
- 17
Brad BennettNMLS 529814
United Mortgage Corp. · Melville, NY · licensed in 2 states
- Refinance
- HELOC
- MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Focus: Refinance (from their bio on their lender page, verified 2026-10-21)
- Earliest state license record: March 21, 2017 (Wisconsin), per state regulator
- 18
Lenny GordonNMLS 659221
Truist Bank · Bank · Rockville, MD
- Refinance
- Construction loan
- Jumbo loan
- Physician and medical professional
- 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 2026-10-21)
- Office in Rockville, MD
- 19
Jillian FaustinoNMLS 2748105
Newrez · Fort Washington, PA · licensed in 11 states
- Refinance
- HELOC
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: October 2, 2025 (Illinois), per state regulator
- 20
Patricia MiocicNMLS 1736087
Xpert Home Lending · Mortgage broker · Tennessee · licensed in 6 states
- Refinance
- Non-QM loan
- First-time buyer
- Jumbo loan
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: June 19, 2018 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 21
Matt FensterNMLS 21524
Guild Mortgage · Middletown, RI · licensed in 12 states
- Refinance
- First-time buyer
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 15, 2026 (Florida), per state regulator
- States 22 years of experience (lender page, 2026-10-20)
- 22
Khash SaghafiNMLS 120117
Liberty Home Mortgage Corporation · Independence, OH · licensed in 14 states
- Refinance
- FHA loan
- USDA loan
- VA loan
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: October 24, 2014 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-15)
- 23
Robert FergerNMLS 228658
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 12 states
- Refinance
- FHA loan
- Jumbo loan
- VA loan
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 10, 2017 (Colorado), per state regulator
- States 25 years of experience (lender page, 2026-10-20)
- 24
Basilio ReyesNMLS 1861517
Meadowbrook Financial Mortgage Bankers Corp. · Hicksville, NY
- Refinance
- First-time buyer
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: February 2, 2023 (Florida), per state regulator
- States 18 years of experience (lender page, 2026-10-15)
- 25
Michael ColellaNMLS 1466855
Embrace Home Loans · Marlton, NJ · licensed in 9 states
- Refinance
- FHA loan
- HELOC
- Jumbo loan
- ✓Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: February 9, 2026 (Florida), per state regulator
- States 10 years of experience (lender page, 2026-10-21)
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 MD license is confirmed with the state regulator (check mark), MD 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=MD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.