--- canonical_url: https://lendb.ai/s/refinance/maryland last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Steve Hochrein](https://lendb.ai/lo/steven-hochrein-133559)** (NMLS 133559), Newrez, Columbia, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Columbia, MD - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: February 21, 2011 (Florida), per state regulator - States 14 years of experience (lender page, 2026-10-14) 2. **[Jason Inglish](https://lendb.ai/lo/jason-inglish-934863)** (NMLS 934863), ALCOVA Mortgage, Cumberland, MD - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Cumberland, MD - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: July 26, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-21) 3. **[James Conley](https://lendb.ai/lo/james-conley-2026522)** (NMLS 2026522), CrossCountry Mortgage, Columbia, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Columbia, MD - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: August 3, 2022 (Wisconsin), per state regulator - States 6 years of experience (lender page, 2026-10-26) 4. **[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) - Office in Columbia, MD - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: April 26, 2021 (Illinois), per state regulator 5. **[Tim Hand](https://lendb.ai/lo/john-hand-2399625)** (NMLS 2399625), First Home Mortgage, Dunkirk, MD - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Dunkirk, MD - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: December 27, 2022 (Florida), per state regulator 6. **[Kim Shuey](https://lendb.ai/lo/kimberly-shuey-410338)** (NMLS 410338), Mutual of Omaha Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: July 22, 2011 (Texas), per state regulator - States 20 years of experience (lender page, 2026-10-20) 7. **[Steve Vallance](https://lendb.ai/lo/stephen-vallance-175801)** (NMLS 175801), The Mortgage Link, Inc., Rockville, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Rockville, MD - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: March 30, 2022 (Texas), per state regulator 8. **[Stephanie O'Farrell](https://lendb.ai/lo/stephanie-o-farrell-95809)** (NMLS 95809), Mutual of Omaha Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: November 17, 2008 (Illinois), per state regulator - States 20 years of experience (lender page, 2026-10-20) 9. **[Martha Pfeiffer](https://lendb.ai/lo/martha-pfeiffer-1722079)** (NMLS 1722079), CrossCountry Mortgage, Dover, DE - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - States 20 years of experience (lender page, 2026-10-26) 10. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Frederick, MD - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: August 23, 2016 (California), per state regulator 11. **[Jason Smith](https://lendb.ai/lo/jason-smith-1030753)** (NMLS 1030753), Ladera Lending, Inc., Lake Forest, CA - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: June 21, 2013 (Oregon), per state regulator 12. **[Jeff Joehl](https://lendb.ai/lo/jeff-joehl-208326)** (NMLS 208326), The Mortgage Link, Inc., Rockville, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Rockville, MD - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - States 25 years of experience (lender page, 2026-10-15) 13. **[Christopher Arnold](https://lendb.ai/lo/christopher-arnold-1702764)** (NMLS 1702764), Newrez, Fort Washington, PA - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: January 30, 2018 (Wisconsin), per state regulator 14. **[Jim Simpson](https://lendb.ai/lo/james-simpson-420787)** (NMLS 420787), Mutual of Omaha Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: January 15, 2015 (Colorado), per state regulator - States 22 years of experience (lender page, 2026-10-20) 15. **[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) - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: August 27, 2014 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-20) 16. **[Mark Gundersen](https://lendb.ai/lo/mark-gundersen-397893)** (NMLS 397893), Mutual of Omaha Mortgage, St. Charles, IL - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: November 20, 2012 (Illinois), per state regulator - States 21 years of experience (lender page, 2026-10-20) 17. **[Brad Bennett](https://lendb.ai/lo/brad-bennett-529814)** (NMLS 529814), United Mortgage Corp., Melville, NY - Focus: Refinance (from their bio on their lender page, verified 2026-10-21) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 21, 2017 (Wisconsin), per state regulator 18. **[Lenny Gordon](https://lendb.ai/lo/lenny-gordon-659221)** (NMLS 659221), Truist Bank, Rockville, MD - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Rockville, MD - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 19. **[Jillian Faustino](https://lendb.ai/lo/jillian-faustino-2748105)** (NMLS 2748105), Newrez, Fort Washington, PA - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: October 2, 2025 (Illinois), per state regulator 20. **[Patricia Miocic](https://lendb.ai/lo/patricia-miocic-1736087)** (NMLS 1736087), Xpert Home Lending, TN - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: June 19, 2018 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-21) 21. **[Matt Fenster](https://lendb.ai/lo/matthew-fenster-21524)** (NMLS 21524), Guild Mortgage, Middletown, RI - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in MD: confirmed with the Maryland regulator, 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 Saghafi](https://lendb.ai/lo/khashayar-saghafi-120117)** (NMLS 120117), Liberty Home Mortgage Corporation, Independence, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in MD: confirmed with the Maryland regulator, 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 Ferger](https://lendb.ai/lo/robert-ferger-228658)** (NMLS 228658), Mutual of Omaha Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: July 10, 2017 (Colorado), per state regulator - States 25 years of experience (lender page, 2026-10-20) 24. **[Basilio Reyes](https://lendb.ai/lo/basilio-reyes-1861517)** (NMLS 1861517), Meadowbrook Financial Mortgage Bankers Corp., Hicksville, NY - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in MD: confirmed with the Maryland regulator, 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 Colella](https://lendb.ai/lo/michael-colella-1466855)** (NMLS 1466855), Embrace Home Loans, Marlton, NJ - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26 - Earliest state license record: February 9, 2026 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-21) ## 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/maryland. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._