Borrower situations · Pennsylvania
Loan officers for homeowners who are refinancing in Pennsylvania
As of 2026-10-26, LenDb lists 118 loan officers licensed in or based in Pennsylvania whose lender pages show Refinance work. The top-ranked are Rich Sachse (Guild Mortgage, Wilkes Barre), Jillian Faustino (Newrez, Fort Washington) and Jim Sarver (Newrez, Mount Pleasant). Ranking is lender-neutral: specialty evidence first, then a license in PA, 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
Rich SachseNMLS 132877
Guild Mortgage · Wilkes Barre, PA
- Refinance
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 21509), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Wilkes Barre, PA
- States 23 years of experience (lender page, 2026-10-20)
- 2
Jillian FaustinoNMLS 2748105
Newrez · Fort Washington, PA · licensed in 11 states
- Refinance
- HELOC
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 117241), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Fort Washington, PA
- Earliest state license record: October 2, 2025 (Illinois), per state regulator
- 3
Jim SarverNMLS 144473
Newrez · Mount Pleasant, SC · licensed in 4 states
- Refinance
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 31846), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: January 26, 2022 (Florida), per state regulator
- States 30 years of experience (lender page, 2026-10-26)
- 4
Amber HousholderNMLS 125836
Guaranteed Rate Affinity, LLC · Cranberry Township, PA · licensed in 2 states
- Refinance
- FHA loan
- Jumbo loan
- Non-QM loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 24539), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Cranberry Township, PA
- Earliest state license record: October 3, 2025 (Florida), per state regulator
- States 28 years of experience (lender page, 2026-10-21)
- 5
Jason InglishNMLS 934863
ALCOVA Mortgage · Cumberland, MD · licensed in 7 states
- Refinance
- FHA loan
- Real estate investor
- USDA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 69795), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: July 26, 2022 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 6
Keith SmithNMLS 903855
Xpert Home Lending · Mortgage broker · licensed in 2 states
- Refinance
- Real estate investor
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 122778), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: February 5, 2009 (Colorado), per state regulator
- States 25 years of experience (lender page, 2026-10-21)
- 7
Kris HermannNMLS 1247814
Lit Financial Corporation · licensed in 6 states
- Refinance
- HELOC
- VA loan
- FHA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 49540), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: February 17, 2015 (Colorado), per state regulator
- States 10 years of experience (lender page, 2026-10-19)
- 8
George TsemberlisNMLS 1760286
CrossCountry Mortgage · White Plains, NY · licensed in 6 states
- Refinance
- First-time buyer
- Real estate investor
- FHA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 91885), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: December 3, 2020 (Florida), per state regulator
- States 15 years of experience (lender page, 2026-10-26)
- 9
Jason StallworthNMLS 7577
Embrace Home Loans · Amityville, NY · licensed in 10 states
- Refinance
- FHA loan
- First-time buyer
- Non-QM loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 90216), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: November 24, 2021 (Florida), per state regulator
- 10
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 82862), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 26, 2021 (Illinois), per state regulator
- 11
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 74734), verified 2026-10-16
- 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)
- 12
David K. HarrelsonNMLS 2819765
ENSURE HOME LOANS LLC · licensed in 6 states
- Refinance
- Non-QM loan
- VA loan
- FHA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 122077), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 17, 2026 (Illinois), per state regulator
- States 35 years of experience (lender page, 2026-10-15)
- 13
Megan VenturaNMLS 2034097
Success Mortgage Partners · Ambler, PA · licensed in 3 states
- Refinance
- Real estate investor
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 105319), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Ambler, PA
- Earliest state license record: January 8, 2024 (Texas), per state regulator
- States 6 years of experience (lender page, 2026-10-21)
- 14
Steve VallanceNMLS 175801
The Mortgage Link, Inc. · Rockville, MD · licensed in 5 states
- Refinance
- FHA loan
- USDA loan
- VA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 96180), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: March 30, 2022 (Texas), per state regulator
- 15
James ConleyNMLS 2026522
CrossCountry Mortgage · Columbia, MD · licensed in 13 states
- Refinance
- FHA loan
- First-time buyer
- PA 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: August 3, 2022 (Wisconsin), per state regulator
- States 6 years of experience (lender page, 2026-10-26)
- 16
Bill WhiteNMLS 2268018
CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states
- Refinance
- HELOC
- FHA loan
- First-time buyer
- PA 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 13, 2021 (Illinois), per state regulator
- 17
Erich EarhartNMLS 143990
Union Home Mortgage · Royersford, PA
- Refinance
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 21419), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Royersford, PA
- 18
Matt FensterNMLS 21524
Guild Mortgage · Middletown, RI · licensed in 12 states
- Refinance
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 119779), verified 2026-10-16
- 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)
- 19
Mike SemoNMLS 2101766
Trident Home Loans · Pensacola, FL · licensed in 3 states
- Refinance
- VA loan
- Real estate investor
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 81640), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- 20
Devin HarrisNMLS 2848186
Lower · Columbus, OH · licensed in 7 states
- Refinance
- PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Focus: Refinance (from their bio on their lender page, verified 2026-10-21)
- Earliest state license record: August 5, 2026 (California), per state regulator
- 21
Nicholas Charles PagniniNMLS 1911943
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 10 states
- Refinance
- PA 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: February 14, 2020 (California), per state regulator
- 22
Jennifer BuckholzNMLS 265867
CMG Home Loans · Federal Way, WA · licensed in 28 states
- Refinance
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 66658), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 26, 2011 (Oregon), per state regulator
- 23
Troy WeatherlyNMLS 357207
Belem Servicing LLC · Las Vegas, NV · licensed in 3 states
- Refinance
- PA 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)
- States 20 years of experience (lender page, 2026-10-26)
- 24
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- PA 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
- 25
Britainy WilkersonNMLS 1137924
Xpert Home Lending · Mortgage broker · Roseville, CA · licensed in 16 states
- Refinance
- VA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 106865), verified 2026-10-16
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: December 4, 2023 (Iowa), per state regulator
- States 15 years of experience (lender page, 2026-10-21)
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?
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 PA license is confirmed with the state regulator (check mark), PA 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=PA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.