--- canonical_url: https://lendb.ai/s/refinance/north-carolina last_verified: 2026-10-26 --- # Loan officers for homeowners who are refinancing in North Carolina As of 2026-10-26, LenDb lists 269 loan officers licensed in or based in North Carolina whose lender pages show Refinance work. The top-ranked are Kathryn Youngs (TowneBank Mortgage, Raleigh), Mike Schuster (CrossCountry Mortgage, Columbia) and Bill White (CrossCountry Mortgage, Cincinnati). Ranking is lender-neutral: specialty evidence first, then a license in NC, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Kathryn Youngs](https://lendb.ai/lo/kathryn-youngs-118229)** (NMLS 118229), TowneBank Mortgage, Raleigh, NC - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Raleigh, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 2. **[Mike Schuster](https://lendb.ai/lo/michael-schuster-1980879)** (NMLS 1980879), CrossCountry Mortgage, Columbia, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 26, 2021 (Illinois), per state regulator 3. **[Bill White](https://lendb.ai/lo/william-white-2268018)** (NMLS 2268018), CrossCountry Mortgage, Cincinnati, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 13, 2021 (Illinois), 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) - NC 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. **[Tim Hand](https://lendb.ai/lo/john-hand-2399625)** (NMLS 2399625), First Home Mortgage, Dunkirk, MD - Lists Refinance on lender page (lender page, verified 2026-10-20) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 27, 2022 (Florida), per state regulator 6. **[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) - NC 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 7. **[Patricia Miocic](https://lendb.ai/lo/patricia-miocic-1736087)** (NMLS 1736087), Xpert Home Lending, TN - Lists Refinance on lender page (lender page, verified 2026-10-21) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 19, 2018 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-21) 8. **[Devin Harris](https://lendb.ai/lo/devin-harris-2848186)** (NMLS 2848186), Lower, Columbus, OH - Focus: Refinance (from their bio on their lender page, verified 2026-10-21) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 5, 2026 (California), per state regulator 9. **[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) - NC 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 10. **[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) - NC 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) 11. **[Ron Haddad](https://lendb.ai/lo/ronald-haddad-204443)** (NMLS 204443), Union Home Mortgage, Arlington Heights, IL - Lists Refinance on lender page (lender page, verified 2026-10-26) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 23, 2005 (Illinois), per state regulator - States 20 years of experience (lender page, 2026-10-14) 12. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists Refinance on lender page (lender page, verified 2026-10-20) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 23, 2016 (California), per state regulator 13. **[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) - NC 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 14. **[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) - NC 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 15. **[Julie Ann Jackson](https://lendb.ai/lo/julie-ann-jackson-108829)** (NMLS 108829), CMG Home Loans, Oak Harbor, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Tom Hotter](https://lendb.ai/lo/thomas-hotter-1840776)** (NMLS 1840776), Thompson Kane & Company, Inc. - Lists Refinance on lender page (lender page, verified 2026-10-22) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 30, 2019 (Wisconsin), per state regulator - States 20 years of experience (lender page, 2026-10-22) 17. **[Reece Williams](https://lendb.ai/lo/reece-williams-1257647)** (NMLS 1257647), Guild Mortgage, Richmond, VA - Lists Refinance on lender page (lender page, verified 2026-10-26) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Krystyn Smink](https://lendb.ai/lo/krystyn-smink-2568385)** (NMLS 2568385), Gershman Investment Corp., Clarksville, TN - Lists Refinance on lender page (lender page, verified 2026-10-26) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Mike Eastman](https://lendb.ai/lo/michael-eastman-21108)** (NMLS 21108), First Heritage Mortgage, Fairfax, VA - Lists Refinance on lender page (lender page, verified 2026-10-20) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 26, 2025 (Florida), per state regulator 20. **[Andy Price](https://lendb.ai/lo/william-price-175742)** (NMLS 175742), Price Mortgage - Lists Refinance on lender page (lender page, verified 2026-10-21) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 16, 2017 (California), per state regulator - States 15 years of experience (lender page, 2026-10-21) 21. **[Naomi Stevens](https://lendb.ai/lo/naomi-stevens-59511)** (NMLS 59511), First Heritage Mortgage - Focus: Refinance (from their bio on their lender page, verified 2026-10-20) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Spencer Wartman](https://lendb.ai/lo/spencer-wartman-2109932)** (NMLS 2109932), Trident Home Loans, Pensacola, FL - Lists Refinance on lender page (lender page, verified 2026-10-26) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 18, 2022 (Florida), per state regulator 23. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN - Lists Refinance on lender page (lender page, verified 2026-10-20) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 27, 2021 (Florida), per state regulator 24. **[Eswara Prasad Kakkera](https://lendb.ai/lo/eswara-kakkera-1692638)** (NMLS 1692638), ENSURE HOME LOANS LLC - Lists Refinance on lender page (lender page, verified 2026-10-26) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 6, 2019 (Texas), per state regulator 25. **[Patrick Stoy](https://lendb.ai/lo/patrick-stoy-39527)** (NMLS 39527), CrossCountry Mortgage, Wilmington, NC - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Wilmington, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 9, 2022 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-26) ## 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/north-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._