Borrower situations · Vermont

Loan officers for homeowners who are refinancing in Vermont

As of 2026-10-26, LenDb lists 23 loan officers licensed in or based in Vermont whose lender pages show Refinance work. The top-ranked are Eric Raso (CMG Home Loans, Tempe), Roger Odoardi (Blue Water Mortgage, LLC) and Benjamin Williams (Guild Mortgage, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in VT, 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 23

  1. 1

    Eric RasoNMLS 457108

    CMG Home Loans · Tempe, AZ · licensed in 40 states

    • Refinance
    • 2 to 4 unit property
    • Low credit score
    • Non-QM loan
    • VT 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: August 27, 2014 (Colorado), per state regulator
    • States 20 years of experience (lender page, 2026-10-20)
  2. 2

    Roger OdoardiNMLS 12906

    Blue Water Mortgage, LLC · licensed in 9 states

    • Refinance
    • First-time buyer
    • Construction loan
    • HELOC
    • VT 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: May 21, 2018 (Florida), per state regulator
  3. 3

    Benjamin WilliamsNMLS 1025173

    Guild Mortgage · San Diego, CA · licensed in 45 states

    • Refinance
    • VT 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: June 4, 2013 (Oregon), per state regulator
  4. 4

    Ron LuttrullNMLS 274181

    Guild Mortgage · San Diego, CA · licensed in 44 states

    • Refinance
    • VT 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: May 19, 2010 (California), per state regulator
    • States 20 years of experience (lender page, 2026-10-19)
  5. 5

    Jay HealyNMLS 12905

    Blue Water Mortgage, LLC · licensed in 6 states

    • Refinance
    • First-time buyer
    • VT 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: April 24, 2023 (Florida), per state regulator
    • States 25 years of experience (lender page, 2026-10-15)
  6. 6

    Sarah PichardoNMLS 229120

    CMG Home Loans · Fairfax, VA · licensed in 39 states

    • Refinance
    • VT 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: August 15, 2022 (Florida), per state regulator
  7. 7

    George KoutsosNMLS 29613

    CrossCountry Mortgage · Beverly, MA · licensed in 15 states

    • Refinance
    • Down payment assistance
    • Jumbo loan
    • First-time buyer
    • VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: April 11, 2013 (Florida), per state regulator
    • States 35 years of experience (lender page, 2026-10-22)
  8. 8

    Andrew MarquisNMLS 29861

    CrossCountry Mortgage · Lexington, MA · licensed in 25 states

    • Refinance
    • Jumbo loan
    • Non-QM loan
    • VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: November 14, 2019 (California), per state regulator
    • States 22 years of experience (lender page, 2026-10-22)
  9. 9

    Chris DevinNMLS 47305

    CrossCountry Mortgage · Norwell, MA · licensed in 22 states

    • Refinance
    • Jumbo loan
    • VA loan
    • First-time buyer
    • VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: January 3, 2018 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-22)
  10. 10

    Sarena TalbertNMLS 1043739

    CrossCountry Mortgage · Newport Beach, CA · licensed in 50 states

    • Refinance
    • Jumbo loan
    • Non-QM loan
    • Reverse mortgage
    • VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: December 19, 2018 (California), per state regulator
    • States 28 years of experience (lender page, 2026-10-22)
  11. 11

    Chuck DindiaNMLS 43931

    CrossCountry Mortgage · Cleveland, OH · licensed in 41 states

    • Refinance
    • FHA loan
    • First-time buyer
    • VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: July 31, 2010 (Oregon), per state regulator
  12. 12

    Tim PotempaNMLS 454708

    CrossCountry Mortgage · Phoenix, AZ · licensed in 47 states

    • Refinance
    • FHA loan
    • First-time buyer
    • VT 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: July 9, 2015 (California), per state regulator
  13. 13

    Andre YarinaNMLS 1408534

    CrossCountry Mortgage · Cleveland, OH · licensed in 35 states

    • Refinance
    • Down payment assistance
    • HELOC
    • VT 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: March 10, 2016 (Oregon), per state regulator
  14. 14

    Nick ClarkeNMLS 998103

    CrossCountry Mortgage · Marshfield, MA · licensed in 11 states

    • Refinance
    • First-time buyer
    • FHA loan
    • HELOC
    • VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: April 26, 2019 (Florida), per state regulator
    • States 10 years of experience (lender page, 2026-10-22)
  15. 15

    Dina PapantoniouNMLS 45863

    CrossCountry Mortgage · Beverly, MA · licensed in 14 states

    • Refinance
    • VA loan
    • FHA loan
    • VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-21)
    • Earliest state license record: January 31, 2017 (Florida), per state regulator
  16. 16

    Brian WeeksNMLS 1557610

    CrossCountry Mortgage · Overland Park, KS · licensed in 46 states

    • Refinance
    • FHA loan
    • First-time buyer
    • VT 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 7, 2016 (Colorado), per state regulator
  17. 17

    Peter CostakosNMLS 139540

    CrossCountry Mortgage · Purchase, NY · licensed in 25 states

    • Refinance
    • Jumbo loan
    • Non-QM loan
    • First-time buyer
    • VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-21)
    • Earliest state license record: November 2, 2017 (Florida), per state regulator
  18. 18

    Jay TolisanoNMLS 109296

    CrossCountry Mortgage · Fairfield, CT · licensed in 22 states

    • Refinance
    • Jumbo loan
    • Non-QM loan
    • First-time buyer
    • VT 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: February 8, 2018 (Florida), per state regulator
  19. 19

    Richard MillerNMLS 1400130

    CrossCountry Mortgage · Cleveland, OH · licensed in 25 states

    • Refinance
    • Renovation loan (203k / HomeStyle)
    • VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: April 11, 2018 (Wisconsin), per state regulator
  20. 20

    Shea RutheNMLS 1529355

    CrossCountry Mortgage · Fairfield, CT · licensed in 16 states

    • Refinance
    • FHA loan
    • First-time buyer
    • VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: November 4, 2016 (Illinois), per state regulator
  21. 21

    Bruce BrinkerhoffNMLS 639483

    CrossCountry Mortgage · Cleveland, OH · licensed in 50 states

    • Refinance
    • Construction loan
    • FHA loan
    • First-time buyer
    • VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: August 15, 2019 (Oregon), per state regulator
  22. 22

    Nick WeeksNMLS 415107

    CrossCountry Mortgage · Overland Park, KS · licensed in 47 states

    • Refinance
    • Jumbo loan
    • VA loan
    • VT 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: June 9, 2023 (California), per state regulator
  23. 23

    Noah Zdesar-OdorcicNMLS 2555928

    CrossCountry Mortgage · Cleveland, OH · licensed in 21 states

    • Refinance
    • FHA loan
    • First-time buyer
    • VT 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: January 18, 2024 (Florida), per state regulator

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?

More about Refinance

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 VT license is confirmed with the state regulator (check mark), VT 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=VT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.