--- canonical_url: https://lendb.ai/s/refinance/mississippi last_verified: 2026-10-26 --- # Loan officers for homeowners who are refinancing in Mississippi As of 2026-10-26, LenDb lists 40 loan officers licensed in or based in Mississippi whose lender pages show Refinance work. The top-ranked are Russ Ogburn (Guild Mortgage, Madison), Tonia Bishop (Guild Mortgage, Gulfport) and Benjamin Williams (Guild Mortgage, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in MS, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Russ Ogburn](https://lendb.ai/lo/russ-ogburn-93490)** (NMLS 93490), Guild Mortgage, Madison, MS - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Madison, MS - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-19) 2. **[Tonia Bishop](https://lendb.ai/lo/tonia-bishop-2808774)** (NMLS 2808774), Guild Mortgage, Gulfport, MS - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Gulfport, MS - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) 3. **[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) - MS 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 4. **[Haley Barnes](https://lendb.ai/lo/haley-barnes-1668981)** (NMLS 1668981), Union Home Mortgage, Mobile, AL - Lists Refinance on lender page (lender page, verified 2026-10-26) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) 5. **[Wendy Palmer](https://lendb.ai/lo/wendy-palmer-658283)** (NMLS 658283), CrossCountry Mortgage, Gulfport, MS - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Gulfport, MS - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-22) 6. **[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) - MS 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 7. **[Raul Zaragoza](https://lendb.ai/lo/raul-zaragoza-1698142)** (NMLS 1698142), CrossCountry Mortgage, Ocean Springs, MS - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Ocean Springs, MS - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 20, 2019 (Florida), per state regulator 8. **[Luis Kercado](https://lendb.ai/lo/luis-kercado-661857)** (NMLS 661857), CrossCountry Mortgage, Tequesta, FL - Lists Refinance on lender page (lender page, verified 2026-10-26) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 22, 2025 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-26) 9. **[Adam Black](https://lendb.ai/lo/adam-black-121384)** (NMLS 121384), CrossCountry Mortgage, Flora, MS - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Flora, MS - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Jerry Palmer](https://lendb.ai/lo/jerrold-palmer-223815)** (NMLS 223815), CrossCountry Mortgage, Northbrook, IL - Lists Refinance on lender page (lender page, verified 2026-10-22) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 16, 2005 (Illinois), per state regulator 11. **[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) - MS 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) 12. **[Chuck Dindia](https://lendb.ai/lo/charles-dindia-43931)** (NMLS 43931), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-22) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 31, 2010 (Oregon), per state regulator 13. **[Candace Cagle](https://lendb.ai/lo/candace-cagle-878436)** (NMLS 878436), CrossCountry Mortgage, Houston, TX - Lists Refinance on lender page (lender page, verified 2026-10-22) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 7, 2013 (Texas), per state regulator 14. **[Matt Schwartz](https://lendb.ai/lo/matthew-schwartz-151017)** (NMLS 151017), CrossCountry Mortgage, Southlake, TX - Lists Refinance on lender page (lender page, verified 2026-10-26) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 9, 2014 (Texas), per state regulator 15. **[Daniel McDermott](https://lendb.ai/lo/daniel-mcdermott-430030)** (NMLS 430030), CrossCountry Mortgage, Montvale, NJ - Lists Refinance on lender page (lender page, verified 2026-10-26) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 9, 2012 (Florida), per state regulator 16. **[Tim Potempa](https://lendb.ai/lo/timothy-potempa-454708)** (NMLS 454708), CrossCountry Mortgage, Phoenix, AZ - Lists Refinance on lender page (lender page, verified 2026-10-26) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 9, 2015 (California), per state regulator 17. **[Andre Yarina](https://lendb.ai/lo/andre-yarina-1408534)** (NMLS 1408534), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 10, 2016 (Oregon), per state regulator 18. **[Heather Lewis](https://lendb.ai/lo/heather-lewis-1876917)** (NMLS 1876917), CrossCountry Mortgage, Huntsville, AL - Lists Refinance on lender page (lender page, verified 2026-10-26) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 16, 2019 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-26) 19. **[Brian Weeks](https://lendb.ai/lo/brian-weeks-1557610)** (NMLS 1557610), CrossCountry Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-26) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 7, 2016 (Colorado), per state regulator 20. **[Ron Kuhn](https://lendb.ai/lo/ronald-kuhn-208163)** (NMLS 208163), CrossCountry Mortgage, Tempe, AZ - Lists Refinance on lender page (lender page, verified 2026-10-26) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 2, 2018 (California), per state regulator 21. **[Bruce Brinkerhoff](https://lendb.ai/lo/bruce-brinkerhoff-639483)** (NMLS 639483), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-22) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 15, 2019 (Oregon), per state regulator 22. **[Damon Laylock](https://lendb.ai/lo/damon-laylock-973325)** (NMLS 973325), CrossCountry Mortgage, Melville, NY - Lists Refinance on lender page (lender page, verified 2026-10-22) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 1, 2019 (Florida), per state regulator 23. **[Jeff Adams](https://lendb.ai/lo/jeffrey-adams-1851495)** (NMLS 1851495), CrossCountry Mortgage, Cincinnati, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 24, 2019 (Illinois), per state regulator 24. **[Drew Tobin](https://lendb.ai/lo/andrew-tobin-589986)** (NMLS 589986), CrossCountry Mortgage, Middletown, NY - Lists Refinance on lender page (lender page, verified 2026-10-21) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 19, 2020 (California), per state regulator 25. **[Christopher Fouts](https://lendb.ai/lo/christopher-fouts-1919114)** (NMLS 1919114), CrossCountry Mortgage, San Antonio, TX - Lists Refinance on lender page (lender page, verified 2026-10-22) - MS listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 12, 2020 (Texas), 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/mississippi. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._