Borrower situations · New Hampshire

Loan officers for homeowners who are refinancing in New Hampshire

As of 2026-10-26, LenDb lists 64 loan officers licensed in or based in New Hampshire whose lender pages show Refinance work. The top-ranked are Eric Raso (CMG Home Loans, Tempe), Sandra Guide (Embrace Home Loans, Manchester) and Roger Odoardi (Blue Water Mortgage, LLC). Ranking is lender-neutral: specialty evidence first, then a license in NH, 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. 1

    Eric RasoNMLS 457108

    CMG Home Loans · Tempe, AZ · licensed in 40 states

    • Refinance
    • 2 to 4 unit property
    • Low credit score
    • Non-QM loan
    • NH 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)
  2. 2

    Sandra GuideNMLS 781301

    Embrace Home Loans · Manchester, NH · licensed in 5 states

    • Refinance
    • First-time buyer
    • Jumbo loan
    • New construction
    • NH 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 Manchester, NH
    • Earliest state license record: July 9, 2026 (Florida), per state regulator
  3. 3

    Roger OdoardiNMLS 12906

    Blue Water Mortgage, LLC · licensed in 9 states

    • Refinance
    • First-time buyer
    • Construction loan
    • HELOC
    • NH 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 21, 2018 (Florida), per state regulator
  4. 4

    DJ JoyceNMLS 2540027

    CrossCountry Mortgage · Cleveland, OH · licensed in 12 states

    • Refinance
    • FHA loan
    • First-time buyer
    • HELOC
    • NH 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: December 21, 2023 (Oregon), per state regulator
  5. 5

    Lindsay WitterNMLS 700709

    American Pacific Mortgage · Roseville, CA · licensed in 39 states

    • Refinance
    • Condo
    • Down payment assistance
    • FHA loan
    • NH 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
  6. 6

    Matt FensterNMLS 21524

    Guild Mortgage · Middletown, RI · licensed in 12 states

    • Refinance
    • First-time buyer
    • NH 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: April 15, 2026 (Florida), per state regulator
    • States 22 years of experience (lender page, 2026-10-20)
  7. 7

    Michael BushNMLS 67031

    Guild Mortgage · North Attleboro, MA · licensed in 8 states

    • Refinance
    • Jumbo loan
    • Down payment assistance
    • First-time buyer
    • NH 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: December 15, 2023 (Florida), per state regulator
    • States 25 years of experience (lender page, 2026-10-19)
  8. 8

    Benjamin WilliamsNMLS 1025173

    Guild Mortgage · San Diego, CA · licensed in 45 states

    • Refinance
    • NH 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: June 4, 2013 (Oregon), per state regulator
  9. 9

    Ron LuttrullNMLS 274181

    Guild Mortgage · San Diego, CA · licensed in 44 states

    • Refinance
    • NH 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)
  10. 10

    Jay HealyNMLS 12905

    Blue Water Mortgage, LLC · licensed in 6 states

    • Refinance
    • First-time buyer
    • NH 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: April 24, 2023 (Florida), per state regulator
    • States 25 years of experience (lender page, 2026-10-15)
  11. 11

    Lauren RussoNMLS 2747846

    CrossCountry Mortgage · Lynnfield, MA · licensed in 2 states

    • Refinance
    • FHA loan
    • First-time buyer
    • NH 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)
  12. 12

    Sarah PichardoNMLS 229120

    CMG Home Loans · Fairfax, VA · licensed in 39 states

    • Refinance
    • NH 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 15, 2022 (Florida), per state regulator
  13. 13

    Michael O'ConnorNMLS 485921

    CrossCountry Mortgage · Hauppauge, NY · licensed in 13 states

    • Refinance
    • Reverse mortgage
    • NH 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: September 17, 2025 (Florida), per state regulator
    • States 30 years of experience (lender page, 2026-10-26)
  14. 14

    George KoutsosNMLS 29613

    CrossCountry Mortgage · Beverly, MA · licensed in 15 states

    • Refinance
    • Down payment assistance
    • Jumbo loan
    • First-time buyer
    • NH 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: April 11, 2013 (Florida), per state regulator
    • States 35 years of experience (lender page, 2026-10-22)
  15. 15

    Andrew MarquisNMLS 29861

    CrossCountry Mortgage · Lexington, MA · licensed in 25 states

    • Refinance
    • Jumbo loan
    • Non-QM loan
    • NH 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: November 14, 2019 (California), per state regulator
    • States 22 years of experience (lender page, 2026-10-22)
  16. 16

    Chris DevinNMLS 47305

    CrossCountry Mortgage · Norwell, MA · licensed in 22 states

    • Refinance
    • Jumbo loan
    • VA loan
    • First-time buyer
    • NH 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: January 3, 2018 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-22)
  17. 17

    Tom MerrittNMLS 315449

    CrossCountry Mortgage · Chicago, IL · licensed in 15 states

    • Refinance
    • Condo
    • Jumbo loan
    • First-time buyer
    • NH 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: July 19, 2005 (Illinois), per state regulator
  18. 18

    David FayNMLS 513224

    CrossCountry Mortgage · Lexington, MA · licensed in 8 states

    • Refinance
    • Condo
    • Jumbo loan
    • NH 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)
    • States 25 years of experience (lender page, 2026-10-22)
  19. 19

    Matthew PerednaNMLS 2096981

    CrossCountry Mortgage · Salem, NH · licensed in 2 states

    • Refinance
    • VA loan
    • FHA loan
    • NH 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 Salem, NH
  20. 20

    Steven ChannenNMLS 9433

    CrossCountry Mortgage · Beverly, MA · licensed in 2 states

    • Refinance
    • FHA loan
    • First-time buyer
    • NH 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: March 15, 2011 (Florida), per state regulator
    • States 25 years of experience (lender page, 2026-10-21)
  21. 21

    Jerry PalmerNMLS 223815

    CrossCountry Mortgage · Northbrook, IL · licensed in 30 states

    • Refinance
    • FHA loan
    • First-time buyer
    • NH 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: November 16, 2005 (Illinois), per state regulator
  22. 22

    Chris DahlgaardNMLS 337672

    CrossCountry Mortgage · Tampa, FL · licensed in 10 states

    • Refinance
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • NH 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: September 15, 2011 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-22)
  23. 23

    Sarena TalbertNMLS 1043739

    CrossCountry Mortgage · Newport Beach, CA · licensed in 50 states

    • Refinance
    • Jumbo loan
    • Non-QM loan
    • Reverse mortgage
    • NH 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: December 19, 2018 (California), per state regulator
    • States 28 years of experience (lender page, 2026-10-22)
  24. 24

    Jerry SundtNMLS 168111

    CrossCountry Mortgage · Tucson, AZ · licensed in 34 states

    • Refinance
    • Jumbo loan
    • Non-QM loan
    • Real estate investor
    • NH 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: July 14, 2007 (Colorado), per state regulator
  25. 25

    Leo TurcoNMLS 706769

    CrossCountry Mortgage · Topsfield, MA · licensed in 4 states

    • Refinance
    • Down payment assistance
    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • NH 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: February 3, 2025 (Florida), per state regulator
    • States 25 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?

More about Refinance

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 NH license is confirmed with the state regulator (check mark), NH 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=NH. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.