---
canonical_url: https://lendb.ai/s/refinance/pennsylvania
last_verified: 2026-10-26
---

# 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.

## Ranked, with reasons

1. **[Rich Sachse](https://lendb.ai/lo/rich-sachse-132877)** (NMLS 132877), Guild Mortgage, Wilkes Barre, PA
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Wilkes Barre, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 21509), verified 2026-10-16
   - States 23 years of experience (lender page, 2026-10-20)
2. **[Jillian Faustino](https://lendb.ai/lo/jillian-faustino-2748105)** (NMLS 2748105), Newrez, Fort Washington, PA
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Fort Washington, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 117241), verified 2026-10-16
   - Earliest state license record: October 2, 2025 (Illinois), per state regulator
3. **[Jim Sarver](https://lendb.ai/lo/james-sarver-144473)** (NMLS 144473), Newrez, Mount Pleasant, SC
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 31846), verified 2026-10-16
   - Earliest state license record: January 26, 2022 (Florida), per state regulator
   - States 30 years of experience (lender page, 2026-10-26)
4. **[Amber Housholder](https://lendb.ai/lo/amber-housholder-125836)** (NMLS 125836), Guaranteed Rate Affinity, LLC, Cranberry Township, PA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in Cranberry Township, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 24539), verified 2026-10-16
   - Earliest state license record: October 3, 2025 (Florida), per state regulator
   - States 28 years of experience (lender page, 2026-10-21)
5. **[Jason Inglish](https://lendb.ai/lo/jason-inglish-934863)** (NMLS 934863), ALCOVA Mortgage, Cumberland, MD
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 69795), verified 2026-10-16
   - Earliest state license record: July 26, 2022 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-21)
6. **[Keith Smith](https://lendb.ai/lo/keith-smith-903855)** (NMLS 903855), Xpert Home Lending
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 122778), verified 2026-10-16
   - Earliest state license record: February 5, 2009 (Colorado), per state regulator
   - States 25 years of experience (lender page, 2026-10-21)
7. **[Kris Hermann](https://lendb.ai/lo/kris-hermann-1247814)** (NMLS 1247814), Lit Financial Corporation
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 49540), verified 2026-10-16
   - Earliest state license record: February 17, 2015 (Colorado), per state regulator
   - States 10 years of experience (lender page, 2026-10-19)
8. **[George Tsemberlis](https://lendb.ai/lo/george-tsemberlis-1760286)** (NMLS 1760286), CrossCountry Mortgage, White Plains, NY
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 91885), verified 2026-10-16
   - Earliest state license record: December 3, 2020 (Florida), per state regulator
   - States 15 years of experience (lender page, 2026-10-26)
9. **[Jason Stallworth](https://lendb.ai/lo/jason-stallworth-7577)** (NMLS 7577), Embrace Home Loans, Amityville, NY
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 90216), verified 2026-10-16
   - Earliest state license record: November 24, 2021 (Florida), per state regulator
10. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 82862), verified 2026-10-16
   - Earliest state license record: April 26, 2021 (Illinois), per state regulator
11. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 74734), verified 2026-10-16
   - Earliest state license record: August 27, 2014 (Colorado), per state regulator
   - States 20 years of experience (lender page, 2026-10-20)
12. **[David K. Harrelson](https://lendb.ai/lo/david-harrelson-2819765)** (NMLS 2819765), ENSURE HOME LOANS LLC
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 122077), verified 2026-10-16
   - Earliest state license record: June 17, 2026 (Illinois), per state regulator
   - States 35 years of experience (lender page, 2026-10-15)
13. **[Megan Ventura](https://lendb.ai/lo/megan-ventura-2034097)** (NMLS 2034097), Success Mortgage Partners, Ambler, PA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in Ambler, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 105319), verified 2026-10-16
   - Earliest state license record: January 8, 2024 (Texas), per state regulator
   - States 6 years of experience (lender page, 2026-10-21)
14. **[Steve Vallance](https://lendb.ai/lo/stephen-vallance-175801)** (NMLS 175801), The Mortgage Link, Inc., Rockville, MD
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 96180), verified 2026-10-16
   - Earliest state license record: March 30, 2022 (Texas), per state regulator
15. **[James Conley](https://lendb.ai/lo/james-conley-2026522)** (NMLS 2026522), CrossCountry Mortgage, Columbia, MD
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: August 3, 2022 (Wisconsin), per state regulator
   - States 6 years of experience (lender page, 2026-10-26)
16. **[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)
   - PA 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
17. **[Erich Earhart](https://lendb.ai/lo/erich-earhart-143990)** (NMLS 143990), Union Home Mortgage, Royersford, PA
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Royersford, PA
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 21419), verified 2026-10-16
18. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 119779), verified 2026-10-16
   - Earliest state license record: April 15, 2026 (Florida), per state regulator
   - States 22 years of experience (lender page, 2026-10-20)
19. **[Mike Semo](https://lendb.ai/lo/mike-semo-2101766)** (NMLS 2101766), Trident Home Loans, Pensacola, FL
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 81640), verified 2026-10-16
20. **[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)
   - PA 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
21. **[Nicholas Charles Pagnini](https://lendb.ai/lo/nicholas-pagnini-1911943)** (NMLS 1911943), Barrett Financial Group, Chandler, AZ
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: February 14, 2020 (California), per state regulator
22. **[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)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 66658), verified 2026-10-16
   - Earliest state license record: July 26, 2011 (Oregon), per state regulator
23. **[Troy Weatherly](https://lendb.ai/lo/troy-weatherly-357207)** (NMLS 357207), Belem Servicing LLC, Las Vegas, NV
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 20 years of experience (lender page, 2026-10-26)
24. **[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)
   - PA 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
25. **[Britainy Wilkerson](https://lendb.ai/lo/britainy-wilkerson-1137924)** (NMLS 1137924), Xpert Home Lending, Roseville, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 106865), verified 2026-10-16
   - Earliest state license record: December 4, 2023 (Iowa), per state regulator
   - States 15 years of experience (lender page, 2026-10-21)

## 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/pennsylvania.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._