--- canonical_url: https://lendb.ai/s/refinance/nevada last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Kathleen Spicuzza](https://lendb.ai/lo/kathleen-spicuzza-865895)** (NMLS 865895), CrossCountry Mortgage, Las Vegas, NV - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Las Vegas, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 18, 2019 (California), per state regulator - States 20 years of experience (lender page, 2026-10-22) 2. **[Troy Weatherly](https://lendb.ai/lo/troy-weatherly-357207)** (NMLS 357207), Belem Servicing LLC, Las Vegas, NV - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Las Vegas, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-26) 3. **[Nick Carter](https://lendb.ai/lo/nick-carter-200547)** (NMLS 200547), Directors Mortgage, Eugene, OR - Lists Refinance on lender page (lender page, verified 2026-10-21) - NV 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 4. **[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) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 27, 2014 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-20) 5. **[Camille Olson](https://lendb.ai/lo/camille-olson-474281)** (NMLS 474281), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-19) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 10, 2014 (Texas), per state regulator 6. **[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) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 14, 2020 (California), per state regulator 7. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Refinance on lender page (lender page, verified 2026-10-20) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 26, 2012 (Oregon), per state regulator 8. **[Jennifer Buckholz](https://lendb.ai/lo/jennifer-buckholz-265867)** (NMLS 265867), CMG Home Loans, Federal Way, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 26, 2011 (Oregon), per state regulator 9. **[Cathy Sabater](https://lendb.ai/lo/catherine-sabater-373470)** (NMLS 373470), Empire Home Loans - Lists Refinance on lender page (lender page, verified 2026-10-21) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 12, 2011 (California), per state regulator - States 20 years of experience (lender page, 2026-10-21) 10. **[Ashley Ortega](https://lendb.ai/lo/ashley-ortega-238561)** (NMLS 238561), CMG Home Loans, Coronado, CA - Lists Refinance on lender page (lender page, verified 2026-10-20) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 17, 2012 (California), per state regulator 11. **[Mark Youmagul](https://lendb.ai/lo/phelotkhane-youmagul-319143)** (NMLS 319143), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 27, 2010 (California), per state regulator 12. **[Ron Luttrull](https://lendb.ai/lo/ronald-luttrull-274181)** (NMLS 274181), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 19, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-19) 13. **[Leanne Larson](https://lendb.ai/lo/leanne-larson-195945)** (NMLS 195945), CrossCountry Mortgage, Henderson, NV - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Henderson, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 22, 2019 (California), per state regulator - States 30 years of experience (lender page, 2026-10-26) 14. **[Steve Lee](https://lendb.ai/lo/steve-lee-272302)** (NMLS 272302), CrossCountry Mortgage, Henderson, NV - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Henderson, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 1, 2013 (California), per state regulator - States 23 years of experience (lender page, 2026-10-26) 15. **[Nikki Junium](https://lendb.ai/lo/nikki-junium-1078792)** (NMLS 1078792), CrossCountry Mortgage, Henderson, NV - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Henderson, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 22, 2017 (California), per state regulator - States 25 years of experience (lender page, 2026-10-26) 16. **[Mark Galbraith](https://lendb.ai/lo/mark-galbraith-172614)** (NMLS 172614), CrossCountry Mortgage, Henderson, NV - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Henderson, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 23, 2018 (Florida), per state regulator 17. **[Damon Blackwell](https://lendb.ai/lo/damon-blackwell-1812775)** (NMLS 1812775), CrossCountry Mortgage, Henderson, NV - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Henderson, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 17, 2019 (Texas), per state regulator 18. **[Charity Maupin](https://lendb.ai/lo/charity-maupin-358059)** (NMLS 358059), CrossCountry Mortgage, Henderson, NV - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Henderson, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 26, 2020 (California), per state regulator 19. **[Sandra Alvarez-Gonzalez](https://lendb.ai/lo/sandra-alvarez-gonzalez-993746)** (NMLS 993746), CrossCountry Mortgage, Las Vegas, NV - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Las Vegas, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 15, 2020 (California), per state regulator 20. **[Lori Johnson](https://lendb.ai/lo/lori-johnson-368394)** (NMLS 368394), CrossCountry Mortgage, Henderson, NV - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Henderson, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 15, 2021 (Texas), per state regulator 21. **[Clay Schmeisser](https://lendb.ai/lo/clayton-schmeisser-404275)** (NMLS 404275), CrossCountry Mortgage, Las Vegas, NV - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Las Vegas, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 19, 2023 (Florida), per state regulator 22. **[Ben Omaye](https://lendb.ai/lo/ben-omaye-575744)** (NMLS 575744), CrossCountry Mortgage, Henderson, NV - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Henderson, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 2, 2023 (California), per state regulator 23. **[Matthew Hillman](https://lendb.ai/lo/matthew-hillman-2409952)** (NMLS 2409952), CrossCountry Mortgage, Reno, NV - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Reno, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 19, 2023 (California), per state regulator 24. **[Maggie Cassara](https://lendb.ai/lo/maggie-cassara-1358318)** (NMLS 1358318), CrossCountry Mortgage, Las Vegas, NV - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Las Vegas, NV - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 5, 2024 (California), per state regulator 25. **[Kathy Burns](https://lendb.ai/lo/kathy-burns-288457)** (NMLS 288457), CrossCountry Mortgage, Newport Beach, CA - Lists Refinance on lender page (lender page, verified 2026-10-22) - NV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 27, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-22) ## 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/nevada. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._