--- canonical_url: https://lendb.ai/s/refinance/south-carolina last_verified: 2026-10-26 --- # Loan officers for homeowners who are refinancing in South Carolina As of 2026-10-26, LenDb lists 208 loan officers licensed in or based in South Carolina whose lender pages show Refinance work. The top-ranked are Jim Sarver (Newrez, Mount Pleasant), Jason Inglish (ALCOVA Mortgage, Cumberland) and Jason Stallworth (Embrace Home Loans, Amityville). Ranking is lender-neutral: specialty evidence first, then a license in SC, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - Office in Mount Pleasant, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 26, 2022 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-26) 2. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 26, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-21) 3. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 24, 2021 (Florida), per state regulator 4. **[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) - SC 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 5. **[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) - SC 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 6. **[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) - SC 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) 7. **[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) - SC 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 8. **[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) - SC 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 9. **[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) - SC 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 10. **[Michael Colella](https://lendb.ai/lo/michael-colella-1466855)** (NMLS 1466855), Embrace Home Loans, Marlton, NJ - Lists Refinance on lender page (lender page, verified 2026-10-21) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 9, 2026 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-21) 11. **[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) - SC 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 12. **[Mark Youmagul](https://lendb.ai/lo/phelotkhane-youmagul-319143)** (NMLS 319143), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 27, 2010 (California), per state regulator 13. **[Andrew Bocci](https://lendb.ai/lo/andrew-bocci-2056968)** (NMLS 2056968), First Heritage Mortgage, Tampa, FL - Lists Refinance on lender page (lender page, verified 2026-10-20) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 10, 2021 (Florida), per state regulator 14. **[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) - SC 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) 15. **[Daniela Rhein](https://lendb.ai/lo/daniela-rhein-2576476)** (NMLS 2576476), Guild Mortgage, Evans, GA - Lists Refinance on lender page (lender page, verified 2026-10-26) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[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) - SC 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 17. **[Andy Price](https://lendb.ai/lo/william-price-175742)** (NMLS 175742), Price Mortgage - Lists Refinance on lender page (lender page, verified 2026-10-21) - SC 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) 18. **[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) - SC 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 19. **[Dinky Warr](https://lendb.ai/lo/dinky-warr-2353237)** (NMLS 2353237), CrossCountry Mortgage, Lexington, SC - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Lexington, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 18 years of experience (lender page, 2026-10-22) 20. **[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) - SC 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 21. **[Roman Rodriguez](https://lendb.ai/lo/roman-rodriguez-971824)** (NMLS 971824), Truist Bank, Beaufort, SC - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Beaufort, SC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Earliest state license record: December 14, 2006 (Colorado), per state regulator 22. **[Chris Odiorne](https://lendb.ai/lo/christopher-odiorne-381169)** (NMLS 381169), CrossCountry Mortgage, Daniel Island, SC - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Daniel Island, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 23, 2011 (Illinois), per state regulator 23. **[Kevin Urbansky](https://lendb.ai/lo/kevin-urbansky-2826032)** (NMLS 2826032), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 2, 2026 (Florida), per state regulator 24. **[Brian Prahl](https://lendb.ai/lo/brian-prahl-279339)** (NMLS 279339), CrossCountry Mortgage, Lexington, SC - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Lexington, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 29, 2015 (Texas), per state regulator 25. **[Korbin Causey](https://lendb.ai/lo/korbin-causey-1514513)** (NMLS 1514513), CrossCountry Mortgage, Myrtle Beach, SC - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Myrtle Beach, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 3, 2020 (Florida), per state regulator - States 10 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/south-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._