--- canonical_url: https://lendb.ai/s/refinance/texas last_verified: 2026-10-26 --- # Loan officers for homeowners who are refinancing in Texas As of 2026-10-26, LenDb lists 107 loan officers licensed in or based in Texas whose lender pages show Refinance work. The top-ranked are Zinnia Galindo (CrossCountry Mortgage, Plano), Kellie Buchanan (Highlands Residential Mortgage, Allen) and Sabrena Hughes (Highlands Residential Mortgage, Texarkana). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Zinnia Galindo](https://lendb.ai/lo/zinnia-galindo-2014688)** (NMLS 2014688), CrossCountry Mortgage, Plano, TX - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Plano, TX - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: March 5, 2021 (Texas), per state regulator 2. **[Kellie Buchanan](https://lendb.ai/lo/kellie-buchanan-744052)** (NMLS 744052), Highlands Residential Mortgage, Allen, TX - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Allen, TX - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: January 6, 2012 (Texas), per state regulator - States 34 years of experience (lender page, 2026-10-20) 3. **[Sabrena Hughes](https://lendb.ai/lo/sabrena-hughes-1305351)** (NMLS 1305351), Highlands Residential Mortgage, Texarkana, TX - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Texarkana, TX - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: May 4, 2015 (Texas), per state regulator - States 20 years of experience (lender page, 2026-10-20) 4. **[Kim Shuey](https://lendb.ai/lo/kimberly-shuey-410338)** (NMLS 410338), Mutual of Omaha Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: July 22, 2011 (Texas), per state regulator - States 20 years of experience (lender page, 2026-10-20) 5. **[Sharon Conner](https://lendb.ai/lo/sharon-conner-2465316)** (NMLS 2465316), Barrett Financial Group, Eagle River, AK - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: November 7, 2025 (Texas), per state regulator - States 20 years of experience (lender page, 2026-10-20) 6. **[Beverly Liesy](https://lendb.ai/lo/beverly-liesy-241577)** (NMLS 241577), Newrez, Seattle, WA - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: April 30, 2019 (Oregon), per state regulator - States 20 years of experience (lender page, 2026-10-26) 7. **[Rob Ellis](https://lendb.ai/lo/rob-ellis-292336)** (NMLS 292336), CrossCountry Mortgage, Lewisville, TX - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Lewisville, TX - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: July 9, 2026 (Texas), per state regulator 8. **[Stephanie O'Farrell](https://lendb.ai/lo/stephanie-o-farrell-95809)** (NMLS 95809), Mutual of Omaha Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: November 17, 2008 (Illinois), per state regulator - States 20 years of experience (lender page, 2026-10-20) 9. **[Dick Dunbar](https://lendb.ai/lo/richard-martin-dunbar-309276)** (NMLS 309276), Guild Mortgage, Austin, TX - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Austin, TX - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: September 14, 2009 (Texas), per state regulator - States 20 years of experience (lender page, 2026-10-20) 10. **[Steve Hochrein](https://lendb.ai/lo/steven-hochrein-133559)** (NMLS 133559), Newrez, Columbia, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: February 21, 2011 (Florida), per state regulator - States 14 years of experience (lender page, 2026-10-14) 11. **[Ryan Perrenoud](https://lendb.ai/lo/ryan-perrenoud-250511)** (NMLS 250511), Bayshore Mortgage Funding, LLC - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: July 26, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-21) 12. **[Jason Smith](https://lendb.ai/lo/jason-smith-1030753)** (NMLS 1030753), Ladera Lending, Inc., Lake Forest, CA - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: June 21, 2013 (Oregon), per state regulator 13. **[Chris Carney](https://lendb.ai/lo/chris-carney-1721392)** (NMLS 1721392), Guild Mortgage, Southlake, TX - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Southlake, TX - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: June 5, 2018 (Texas), per state regulator 14. **[Torrey Hammond](https://lendb.ai/lo/torrey-hammond-2143764)** (NMLS 2143764), The Mortgage Link, Inc., Dallas, TX - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Dallas, TX - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: June 17, 2025 (Texas), per state regulator 15. **[Harold Perkins](https://lendb.ai/lo/harold-perkins-227298)** (NMLS 227298), Galaxy Lending Group LLC - Lists Refinance on lender page (lender page, verified 2026-10-22) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: May 31, 2016 (Oregon), per state regulator - States 20 years of experience (lender page, 2026-10-22) 16. **[Christopher Arnold](https://lendb.ai/lo/christopher-arnold-1702764)** (NMLS 1702764), Newrez, Fort Washington, PA - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: January 30, 2018 (Wisconsin), per state regulator 17. **[Tim Tallis](https://lendb.ai/lo/timothy-tallis-339303)** (NMLS 339303), Veterans United Home Loans, Columbia, MO - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: June 30, 2011 (California), per state regulator 18. **[Brandi Langford](https://lendb.ai/lo/brandi-langford-2311171)** (NMLS 2311171), Highlands Residential Mortgage, Texarkana, TX - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Texarkana, TX - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: May 9, 2022 (Texas), per state regulator 19. **[Kristin Bailey](https://lendb.ai/lo/kristin-bailey-1160161)** (NMLS 1160161), LoanPeople - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: August 9, 2019 (Texas), per state regulator 20. **[Amy Cummings](https://lendb.ai/lo/amy-cummings-882893)** (NMLS 882893), Highlands Residential Mortgage, Texarkana, TX - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Texarkana, TX - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: December 18, 2023 (Texas), per state regulator 21. **[David Wexler](https://lendb.ai/lo/david-wexler-1473447)** (NMLS 1473447), The Federal Savings Bank - Focus: Refinance (from their bio on their lender page, verified 2026-10-26) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: August 22, 2025 (Florida), per state regulator - States 8 years of experience (lender page, 2026-10-16) 22. **[Eric Haffner](https://lendb.ai/lo/eric-haffner-1915766)** (NMLS 1915766), Adaxa, LLC - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: December 2, 2019 (Iowa), per state regulator 23. **[Ashton Pereida-Rice](https://lendb.ai/lo/ashton-pereida-rice-2022873)** (NMLS 2022873), Ladera Lending, Inc., Ladera Ranch, CA - Lists Refinance on lender page (lender page, verified 2026-10-21) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: September 14, 2020 (Iowa), per state regulator - States 5 years of experience (lender page, 2026-10-21) 24. **[Jim Simpson](https://lendb.ai/lo/james-simpson-420787)** (NMLS 420787), Mutual of Omaha Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-20) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: January 15, 2015 (Colorado), per state regulator - States 22 years of experience (lender page, 2026-10-20) 25. **[Megan Curtis](https://lendb.ai/lo/megan-curtis-1621681)** (NMLS 1621681), Pennymac, Pasadena, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13 - Earliest state license record: September 12, 2017 (Colorado), per state regulator ## 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/texas. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._