Borrower situations · Nevada
Loan officers for homeowners who are refinancing in Nevada
As of 2026-10-26, LenDb lists 104 loan officers licensed in or based in Nevada whose lender pages show Refinance work. The top-ranked are Kathleen Spicuzza (CrossCountry Mortgage, Las Vegas), Troy Weatherly (Belem Servicing LLC, Las Vegas) and Nick Carter (Directors Mortgage, Eugene). Ranking is lender-neutral: specialty evidence first, then a license in NV, 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
Kathleen SpicuzzaNMLS 865895
CrossCountry Mortgage · Las Vegas, NV · licensed in 6 states
- Refinance
- Reverse mortgage
- VA loan
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Las Vegas, NV
- Earliest state license record: September 18, 2019 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 2
Troy WeatherlyNMLS 357207
Belem Servicing LLC · Las Vegas, NV · licensed in 3 states
- Refinance
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Las Vegas, NV
- States 20 years of experience (lender page, 2026-10-26)
- 3
Nick CarterNMLS 200547
Directors Mortgage · Eugene, OR · licensed in 8 states
- Refinance
- Real estate investor
- Vacation home
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: July 31, 2010 (Oregon), per state regulator
- 4
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- 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)
- 5
Camille OlsonNMLS 474281
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 11 states
- Refinance
- Down payment assistance
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-19)
- Earliest state license record: July 10, 2014 (Texas), per state regulator
- 6
Nicholas Charles PagniniNMLS 1911943
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 10 states
- Refinance
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: February 14, 2020 (California), per state regulator
- 7
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: January 26, 2012 (Oregon), per state regulator
- 8
Jennifer BuckholzNMLS 265867
CMG Home Loans · Federal Way, WA · licensed in 28 states
- Refinance
- First-time buyer
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 26, 2011 (Oregon), per state regulator
- 9
Cathy SabaterNMLS 373470
Empire Home Loans · Mortgage broker · licensed in 5 states
- Refinance
- VA loan
- First-time buyer
- Self-employed
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: July 12, 2011 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 10
Ashley OrtegaNMLS 238561
CMG Home Loans · Coronado, CA · licensed in 11 states
- Refinance
- HELOC
- Jumbo loan
- FHA loan
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 17, 2012 (California), per state regulator
- 11
Mark YoumagulNMLS 319143
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 20 states
- Refinance
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 27, 2010 (California), per state regulator
- 12
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: May 19, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 13
Leanne LarsonNMLS 195945
CrossCountry Mortgage · Henderson, NV · licensed in 3 states
- Refinance
- First-time buyer
- VA loan
- Real estate investor
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Henderson, NV
- Earliest state license record: November 22, 2019 (California), per state regulator
- States 30 years of experience (lender page, 2026-10-26)
- 14
Steve LeeNMLS 272302
CrossCountry Mortgage · Henderson, NV · licensed in 2 states
- Refinance
- FHA loan
- Jumbo loan
- Non-QM loan
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Henderson, NV
- Earliest state license record: November 1, 2013 (California), per state regulator
- States 23 years of experience (lender page, 2026-10-26)
- 15
Nikki JuniumNMLS 1078792
CrossCountry Mortgage · Henderson, NV · licensed in 2 states
- Refinance
- Reverse mortgage
- Real estate investor
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Henderson, NV
- Earliest state license record: February 22, 2017 (California), per state regulator
- States 25 years of experience (lender page, 2026-10-26)
- 16
Mark GalbraithNMLS 172614
CrossCountry Mortgage · Henderson, NV · licensed in 6 states
- Refinance
- VA loan
- FHA loan
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Henderson, NV
- Earliest state license record: August 23, 2018 (Florida), per state regulator
- 17
Damon BlackwellNMLS 1812775
CrossCountry Mortgage · Henderson, NV · licensed in 5 states
- Refinance
- Down payment assistance
- Non-QM loan
- VA loan
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Henderson, NV
- Earliest state license record: July 17, 2019 (Texas), per state regulator
- 18
Charity MaupinNMLS 358059
CrossCountry Mortgage · Henderson, NV · licensed in 4 states
- Refinance
- Real estate investor
- Self-employed
- FHA loan
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Henderson, NV
- Earliest state license record: May 26, 2020 (California), per state regulator
- 19
Sandra Alvarez-GonzalezNMLS 993746
CrossCountry Mortgage · Las Vegas, NV · licensed in 5 states
- Refinance
- FHA loan
- First-time buyer
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Las Vegas, NV
- Earliest state license record: December 15, 2020 (California), per state regulator
- 20
Lori JohnsonNMLS 368394
CrossCountry Mortgage · Henderson, NV · licensed in 5 states
- Refinance
- VA loan
- FHA loan
- First-time buyer
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Henderson, NV
- Earliest state license record: October 15, 2021 (Texas), per state regulator
- 21
Clay SchmeisserNMLS 404275
CrossCountry Mortgage · Las Vegas, NV · licensed in 13 states
- Refinance
- Renovation loan (203k / HomeStyle)
- VA loan
- FHA loan
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Las Vegas, NV
- Earliest state license record: May 19, 2023 (Florida), per state regulator
- 22
Ben OmayeNMLS 575744
CrossCountry Mortgage · Henderson, NV · licensed in 2 states
- Refinance
- Non-QM loan
- First-time buyer
- HELOC
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Henderson, NV
- Earliest state license record: May 2, 2023 (California), per state regulator
- 23
Matthew HillmanNMLS 2409952
CrossCountry Mortgage · Reno, NV · licensed in 3 states
- Refinance
- FHA loan
- First-time buyer
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Reno, NV
- Earliest state license record: May 19, 2023 (California), per state regulator
- 24
Maggie CassaraNMLS 1358318
CrossCountry Mortgage · Las Vegas, NV · licensed in 2 states
- Refinance
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- First-time buyer
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Las Vegas, NV
- Earliest state license record: February 5, 2024 (California), per state regulator
- 25
Kathy BurnsNMLS 288457
CrossCountry Mortgage · Newport Beach, CA · licensed in 7 states
- Refinance
- Reverse mortgage
- HELOC
- NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: May 27, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
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 NV license is confirmed with the state regulator (check mark), NV 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=NV. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.