--- canonical_url: https://lendb.ai/s/refinance/massachusetts last_verified: 2026-10-26 --- # Loan officers for homeowners who are refinancing in Massachusetts As of 2026-10-26, LenDb lists 32 loan officers licensed in or based in Massachusetts whose lender pages show Refinance work. The top-ranked are Lindsay Moran (Guaranteed Rate Affinity, LLC, Boston), Mark Jurilla (Guaranteed Rate Affinity, LLC, Boston) and Kim Shuey (Mutual of Omaha Mortgage, Overland Park). Ranking is lender-neutral: specialty evidence first, then a license in MA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Lindsay Moran](https://lendb.ai/lo/lindsay-moran-40411)** (NMLS 40411), Guaranteed Rate Affinity, LLC, Boston, MA - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Boston, MA - Licensed in MA: confirmed with the Massachusetts regulator (license MLO40411), verified 2026-10-26 - States 22 years of experience (lender page, 2026-10-21) 2. **[Mark Jurilla](https://lendb.ai/lo/mark-jurilla-441305)** (NMLS 441305), Guaranteed Rate Affinity, LLC, Boston, MA - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Boston, MA - Licensed in MA: confirmed with the Massachusetts regulator (license MLO441305), verified 2026-10-26 - Earliest state license record: June 22, 2026 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-21) 3. **[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 MA: confirmed with the Massachusetts regulator (license MLO410338), 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) 4. **[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 MA: confirmed with the Massachusetts regulator (license MLO95809), 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) 5. **[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) - Office in North Attleboro, MA - Licensed in MA: confirmed with the Massachusetts regulator (license MLO67031), 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) 6. **[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) - Licensed in MA: confirmed with the Massachusetts regulator (license MLO133559), 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) 7. **[Savannah Fabbio](https://lendb.ai/lo/savannah-fabbio-751672)** (NMLS 751672), CMG Home Loans, Mashpee, MA - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Mashpee, MA - Licensed in MA: confirmed with the Massachusetts regulator (license MLO751672), verified 2026-10-26 - Earliest state license record: March 23, 2017 (Florida), per state regulator 8. **[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 MA: confirmed with the Massachusetts regulator (license MLO1030753), verified 2026-10-26 - Earliest state license record: June 21, 2013 (Oregon), per state regulator 9. **[Robert Gardner-Souza](https://lendb.ai/lo/robert-gardner-souza-1777771)** (NMLS 1777771), Consumer Real Estate Finance Co., Falmouth, MA - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Falmouth, MA - Licensed in MA: confirmed with the Massachusetts regulator (license MLO1777771), verified 2026-10-26 - Earliest state license record: November 13, 2018 (Florida), per state regulator - States 7 years of experience (lender page, 2026-10-21) 10. **[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 MA: confirmed with the Massachusetts regulator (license MLO1702764), verified 2026-10-26 - Earliest state license record: January 30, 2018 (Wisconsin), per state regulator 11. **[Don Murray](https://lendb.ai/lo/donald-murray-201163)** (NMLS 201163), Total Mortgage Services, Worcester, MA - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Worcester, MA - Licensed in MA: confirmed with the Massachusetts regulator (license MLO201163), verified 2026-10-26 - Earliest state license record: March 4, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-21) 12. **[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 MA: confirmed with the Massachusetts regulator (license MLO420787), 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) 13. **[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 MA: confirmed with the Massachusetts regulator (license MLO457108), 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) 14. **[Lauren Russo](https://lendb.ai/lo/lauren-russo-2747846)** (NMLS 2747846), CrossCountry Mortgage, Lynnfield, MA - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Lynnfield, MA - Licensed in MA: confirmed with the Massachusetts regulator (license MLO2747846), verified 2026-10-26 15. **[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 MA: confirmed with the Massachusetts regulator (license MLO397893), 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) 16. **[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) - Licensed in MA: confirmed with the Massachusetts regulator (license MLO12906), verified 2026-10-26 - Earliest state license record: May 21, 2018 (Florida), per state regulator 17. **[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 MA: confirmed with the Massachusetts regulator (license MLO2748105), verified 2026-10-26 - Earliest state license record: October 2, 2025 (Illinois), per state regulator 18. **[Nicholas Charles Pagnini](https://lendb.ai/lo/nicholas-pagnini-1911943)** (NMLS 1911943), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in MA: confirmed with the Massachusetts regulator (license MLO1911943), verified 2026-10-26 - Earliest state license record: February 14, 2020 (California), per state regulator 19. **[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 MA: confirmed with the Massachusetts regulator (license MLO21524), 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) 20. **[Tyler Bahnsen](https://lendb.ai/lo/tyler-bahnsen-362852)** (NMLS 362852), CMG Home Loans, Miami, FL - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in MA: confirmed with the Massachusetts regulator (license MLO362852), verified 2026-10-26 - Earliest state license record: October 20, 2011 (Florida), per state regulator - States 21 years of experience (lender page, 2026-10-20) 21. **[Mike Rogers](https://lendb.ai/lo/michael-rogers-1017883)** (NMLS 1017883), Fairway Independent Mortgage Corporation, Suffield, CT - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in MA: confirmed with the Massachusetts regulator (license MLO1017883), verified 2026-10-26 - Earliest state license record: February 21, 2022 (Florida), per state regulator 22. **[Claudio Peca](https://lendb.ai/lo/claudio-peca-46212)** (NMLS 46212), AnnieMac Home Mortgage, Mt. Laurel, NJ - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in MA: confirmed with the Massachusetts regulator (license MLO46212), verified 2026-10-26 - Earliest state license record: September 1, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-26) 23. **[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 MA: confirmed with the Massachusetts regulator (license MLO120117), 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) 24. **[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 MA: confirmed with the Massachusetts regulator (license MLO228658), 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) 25. **[Jake Longhta](https://lendb.ai/lo/jacob-longhta-1595726)** (NMLS 1595726), Mutual of Omaha Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in MA: confirmed with the Massachusetts regulator (license MLO1595726), verified 2026-10-26 - Earliest state license record: April 4, 2018 (Colorado), per state regulator - States 10 years of experience (lender page, 2026-10-20) ## 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/massachusetts. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._