--- canonical_url: https://lendb.ai/s/refinance/vermont last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[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) - VT 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) 2. **[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) - VT 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 3. **[Benjamin Williams](https://lendb.ai/lo/benjamin-williams-1025173)** (NMLS 1025173), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 4, 2013 (Oregon), per state regulator 4. **[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) - VT 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) 5. **[Jay Healy](https://lendb.ai/lo/john-healy-12905)** (NMLS 12905), Blue Water Mortgage, LLC - Lists Refinance on lender page (lender page, verified 2026-10-26) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 24, 2023 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-15) 6. **[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) - VT 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 7. **[George Koutsos](https://lendb.ai/lo/george-koutsos-29613)** (NMLS 29613), CrossCountry Mortgage, Beverly, MA - Lists Refinance on lender page (lender page, verified 2026-10-22) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 11, 2013 (Florida), per state regulator - States 35 years of experience (lender page, 2026-10-22) 8. **[Andrew Marquis](https://lendb.ai/lo/andrew-marquis-29861)** (NMLS 29861), CrossCountry Mortgage, Lexington, MA - Lists Refinance on lender page (lender page, verified 2026-10-22) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 14, 2019 (California), per state regulator - States 22 years of experience (lender page, 2026-10-22) 9. **[Chris Devin](https://lendb.ai/lo/christopher-devin-47305)** (NMLS 47305), CrossCountry Mortgage, Norwell, MA - Lists Refinance on lender page (lender page, verified 2026-10-22) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 3, 2018 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-22) 10. **[Sarena Talbert](https://lendb.ai/lo/sarena-talbert-1043739)** (NMLS 1043739), CrossCountry Mortgage, Newport Beach, CA - Lists Refinance on lender page (lender page, verified 2026-10-22) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 19, 2018 (California), per state regulator - States 28 years of experience (lender page, 2026-10-22) 11. **[Chuck Dindia](https://lendb.ai/lo/charles-dindia-43931)** (NMLS 43931), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-22) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 31, 2010 (Oregon), per state regulator 12. **[Tim Potempa](https://lendb.ai/lo/timothy-potempa-454708)** (NMLS 454708), CrossCountry Mortgage, Phoenix, AZ - Lists Refinance on lender page (lender page, verified 2026-10-26) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 9, 2015 (California), per state regulator 13. **[Andre Yarina](https://lendb.ai/lo/andre-yarina-1408534)** (NMLS 1408534), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 10, 2016 (Oregon), per state regulator 14. **[Nick Clarke](https://lendb.ai/lo/nicholas-clarke-998103)** (NMLS 998103), CrossCountry Mortgage, Marshfield, MA - Lists Refinance on lender page (lender page, verified 2026-10-22) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 26, 2019 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-22) 15. **[Dina Papantoniou](https://lendb.ai/lo/dina-papantoniou-45863)** (NMLS 45863), CrossCountry Mortgage, Beverly, MA - Lists Refinance on lender page (lender page, verified 2026-10-21) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 31, 2017 (Florida), per state regulator 16. **[Brian Weeks](https://lendb.ai/lo/brian-weeks-1557610)** (NMLS 1557610), CrossCountry Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-26) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 7, 2016 (Colorado), per state regulator 17. **[Peter Costakos](https://lendb.ai/lo/peter-costakos-139540)** (NMLS 139540), CrossCountry Mortgage, Purchase, NY - Lists Refinance on lender page (lender page, verified 2026-10-21) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 2, 2017 (Florida), per state regulator 18. **[Jay Tolisano](https://lendb.ai/lo/jason-tolisano-109296)** (NMLS 109296), CrossCountry Mortgage, Fairfield, CT - Lists Refinance on lender page (lender page, verified 2026-10-26) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 8, 2018 (Florida), per state regulator 19. **[Richard Miller](https://lendb.ai/lo/richard-miller-1400130)** (NMLS 1400130), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-22) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 11, 2018 (Wisconsin), per state regulator 20. **[Shea Ruthe](https://lendb.ai/lo/shea-ruthe-1529355)** (NMLS 1529355), CrossCountry Mortgage, Fairfield, CT - Lists Refinance on lender page (lender page, verified 2026-10-22) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 4, 2016 (Illinois), per state regulator 21. **[Bruce Brinkerhoff](https://lendb.ai/lo/bruce-brinkerhoff-639483)** (NMLS 639483), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-22) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 15, 2019 (Oregon), per state regulator 22. **[Nick Weeks](https://lendb.ai/lo/nicholas-weeks-415107)** (NMLS 415107), CrossCountry Mortgage, Overland Park, KS - Lists Refinance on lender page (lender page, verified 2026-10-26) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 9, 2023 (California), per state regulator 23. **[Noah Zdesar-Odorcic](https://lendb.ai/lo/noah-zdesar-odorcic-2555928)** (NMLS 2555928), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 18, 2024 (Florida), 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/vermont. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._