{ "canonical_url": "https://lendb.ai/s/refinance/new-hampshire", "summary": "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.", "specialty": "refinance", "state": "NH", "total": 64, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 51, "loan_officer": { "nmls_id": 457108, "slug": "eric-raso-457108", "full_name": "Eric Raso", "canonical_url": "https://lendb.ai/lo/eric-raso-457108", "json_url": "https://lendb.ai/lo/eric-raso-457108.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "slug": "cmg-home-loans-1820", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Tempe", "state": "AZ" }, "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_12062_Eric_Raso", "licensed_states": [ "FL", "CO", "CT", "DE", "LA", "MO", "PA", "TX", "AL", "AR", "AZ", "CA", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "NC", "NH", "NJ", "NM", "NV", "OH", "OK", "OR", "RI", "SC", "SD", "TN", "VA", "VT", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "multi-family-2-4", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "first-time-buyer", "heloc", "investor", "jumbo", "new-construction", "renovation", "reverse", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2014-08-27", "state": "CO" }, "licensed_since": { "year": 2014, "state": "CO" }, "years_experience": 20, "lender_profile_url": "https://www.cmghomeloans.com/mysite/eric-raso", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "NH 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)" ], "canonical_url": "https://lendb.ai/lo/eric-raso-457108", "license_check": { "state": "NH", "confidence": "lender_reported", "eligible": true, "label": "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.cmghomeloans.com/mysite/eric-raso" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 51, "loan_officer": { "nmls_id": 781301, "slug": "sandra-guide-781301", "full_name": "Sandra Guide", "licensed_names": [ { "name": "Sandra Guide", "name_with_middle_initial": "Sandra T. Guide", "first_name": "Sandra", "middle_initial": "T", "last_name": "Guide", "states": [ "CT", "FL", "MA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/sandra-guide-781301", "json_url": "https://lendb.ai/lo/sandra-guide-781301.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "slug": "embrace-home-loans-2184", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Manchester", "state": "NH" }, "headshot_url": "https://www.embracehomeloans.com/media/kxgbnnqq/sguidee_bio72.jpg", "licensed_states": [ "FL", "CT", "MA", "ME", "NH" ], "licenses": [ { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "bank-statement", "co-op", "condo", "condo-non-warrantable", "dscr", "fha", "low-credit", "multi-family-2-4", "recent-credit-event", "renovation", "rural", "self-employed", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-07-09", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.embracehomeloans.com/location/new-hampshire/manchester/sandra-guide", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Manchester, NH", "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 9, 2026 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/sandra-guide-781301", "license_check": { "state": "NH", "confidence": "lender_reported", "eligible": true, "label": "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://www.embracehomeloans.com/location/new-hampshire/manchester/sandra-guide" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 50.5, "loan_officer": { "nmls_id": 12906, "slug": "roger-odoardi-12906", "full_name": "Roger Odoardi", "licensed_names": [ { "name": "Roger Odoardi", "name_with_middle_initial": "Roger V. Odoardi", "first_name": "Roger", "middle_initial": "V", "last_name": "Odoardi", "states": [ "CT", "FL", "MA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/roger-odoardi-12906", "json_url": "https://lendb.ai/lo/roger-odoardi-12906.json", "lender": { "nmls_id": 1291, "name": "Blue Water Mortgage, LLC", "slug": "blue-water-mortgage-llc-1291", "canonical_url": "https://lendb.ai/lender/blue-water-mortgage-llc-1291", "type": "imb" }, "branch": { "city": null, "state": null }, "headshot_url": null, "licensed_states": [ "FL", "CT", "MA", "ME", "NC", "NH", "RI", "SC", "VT" ], "licenses": [ { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2018-05-21", "state": "FL" }, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://bluewatermtg.com/our-team/roger-odoardi/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: May 21, 2018 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/roger-odoardi-12906", "license_check": { "state": "NH", "confidence": "lender_reported", "eligible": true, "label": "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://bluewatermtg.com/our-team/roger-odoardi/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 50.5, "loan_officer": { "nmls_id": 2540027, "slug": "dj-joyce-2540027", "full_name": "DJ Joyce", "canonical_url": "https://lendb.ai/lo/dj-joyce-2540027", "json_url": "https://lendb.ai/lo/dj-joyce-2540027.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cleveland", "state": "OH" }, "headshot_url": "https://thevault.ccm.com/asset/d674e21d-6de3-4207-8c40-2309a617a37f/Website/2131_Joyce_2540027.jpg", "licensed_states": [ "CA", "OR", "AL", "AZ", "CO", "IN", "KY", "ME", "NH", "OH", "OK", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-12-21", "state": "OR" }, "licensed_since": { "year": 2023, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/darryn-joyce/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 21, 2023 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/dj-joyce-2540027", "license_check": { "state": "NH", "confidence": "lender_reported", "eligible": true, "label": "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/cleveland-oh-2131/darryn-joyce/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 47.3, "loan_officer": { "nmls_id": 700709, "slug": "lindsay-witter-700709", "full_name": "Lindsay Witter", "licensed_names": [ { "name": "Lindsay Witter", "name_with_middle_initial": "Lindsay R. 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Fenster", "first_name": "Matthew", "middle_initial": "B", "last_name": "Fenster", "states": [ "CT", "FL", "MA", "MD", "NY", "PA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/matthew-fenster-21524", "json_url": "https://lendb.ai/lo/matthew-fenster-21524.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Middletown", "state": "RI" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/rgmfe-matt-fenster.jpg", "licensed_states": [ "FL", "CT", "PA", "AL", "IN", "MA", "MD", "NC", "NH", "NJ", "RI", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-04-15", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://branches.guildmortgage.com/ri/middletown/matt-fenster-227-rgmfe.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 15, 2026 (Florida), per state regulator", "States 22 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/matthew-fenster-21524", "license_check": { "state": "NH", "confidence": "lender_reported", "eligible": true, "label": "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://branches.guildmortgage.com/ri/middletown/matt-fenster-227-rgmfe.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 47, "loan_officer": { "nmls_id": 67031, "slug": "michael-bush-67031", "full_name": "Michael Bush", "licensed_names": [ { "name": "Michael Bush", "name_with_middle_initial": "Michael T. 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