--- canonical_url: https://lendb.ai/s/refinance/new-hampshire last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[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) - 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) 2. **[Sandra Guide](https://lendb.ai/lo/sandra-guide-781301)** (NMLS 781301), Embrace Home Loans, Manchester, NH - 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 3. **[Roger Odoardi](https://lendb.ai/lo/roger-odoardi-12906)** (NMLS 12906), Blue Water Mortgage, LLC - 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 4. **[DJ Joyce](https://lendb.ai/lo/dj-joyce-2540027)** (NMLS 2540027), CrossCountry Mortgage, Cleveland, OH - 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 5. **[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) - NH 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 6. **[Matt Fenster](https://lendb.ai/lo/matthew-fenster-21524)** (NMLS 21524), Guild Mortgage, Middletown, RI - 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) 7. **[Michael Bush](https://lendb.ai/lo/michael-bush-67031)** (NMLS 67031), Guild Mortgage, North Attleboro, MA - 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 15, 2023 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-19) 8. **[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) - NH 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 9. **[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) - NH 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) 10. **[Jay Healy](https://lendb.ai/lo/john-healy-12905)** (NMLS 12905), Blue Water Mortgage, LLC - 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 24, 2023 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-15) 11. **[Lauren Russo](https://lendb.ai/lo/lauren-russo-2747846)** (NMLS 2747846), CrossCountry Mortgage, Lynnfield, MA - 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) 12. **[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) - NH 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 13. **[Michael O'Connor](https://lendb.ai/lo/michael-o-connor-485921)** (NMLS 485921), CrossCountry Mortgage, Hauppauge, NY - 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: September 17, 2025 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-26) 14. **[George Koutsos](https://lendb.ai/lo/george-koutsos-29613)** (NMLS 29613), CrossCountry Mortgage, Beverly, MA - Lists Refinance on lender page (lender page, verified 2026-10-22) - NH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 11, 2013 (Florida), per state regulator - States 35 years of experience (lender page, 2026-10-22) 15. **[Andrew Marquis](https://lendb.ai/lo/andrew-marquis-29861)** (NMLS 29861), CrossCountry Mortgage, Lexington, MA - Lists Refinance on lender page (lender page, verified 2026-10-22) - NH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 14, 2019 (California), per state regulator - States 22 years of experience (lender page, 2026-10-22) 16. **[Chris Devin](https://lendb.ai/lo/christopher-devin-47305)** (NMLS 47305), CrossCountry Mortgage, Norwell, MA - Lists Refinance on lender page (lender page, verified 2026-10-22) - NH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 3, 2018 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-22) 17. **[Tom Merritt](https://lendb.ai/lo/thomas-merritt-315449)** (NMLS 315449), CrossCountry Mortgage, Chicago, IL - 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: July 19, 2005 (Illinois), per state regulator 18. **[David Fay](https://lendb.ai/lo/david-fay-513224)** (NMLS 513224), CrossCountry Mortgage, Lexington, MA - Lists Refinance on lender page (lender page, verified 2026-10-22) - NH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-22) 19. **[Matthew Peredna](https://lendb.ai/lo/matthew-peredna-2096981)** (NMLS 2096981), CrossCountry Mortgage, Salem, NH - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Salem, NH - NH listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Steven Channen](https://lendb.ai/lo/steven-channen-9433)** (NMLS 9433), CrossCountry Mortgage, Beverly, MA - Lists Refinance on lender page (lender page, verified 2026-10-21) - NH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 15, 2011 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-21) 21. **[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) - NH 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 22. **[Chris Dahlgaard](https://lendb.ai/lo/eric-dahlgaard-337672)** (NMLS 337672), CrossCountry Mortgage, Tampa, FL - Lists Refinance on lender page (lender page, verified 2026-10-22) - NH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 15, 2011 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-22) 23. **[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) - NH 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) 24. **[Jerry Sundt](https://lendb.ai/lo/gerald-sundt-168111)** (NMLS 168111), CrossCountry Mortgage, Tucson, AZ - Lists Refinance on lender page (lender page, verified 2026-10-22) - NH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 14, 2007 (Colorado), per state regulator 25. **[Leo Turco](https://lendb.ai/lo/leo-turco-706769)** (NMLS 706769), CrossCountry Mortgage, Topsfield, MA - Lists Refinance on lender page (lender page, verified 2026-10-22) - NH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 3, 2025 (Florida), per state regulator - States 25 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/new-hampshire. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._