Borrower situations · Virginia
Loan officers for homeowners who are refinancing in Virginia
As of 2026-10-26, LenDb lists 259 loan officers licensed in or based in Virginia whose lender pages show Refinance work. The top-ranked are Rob Clark (Guaranteed Rate Affinity, LLC, Alexandria), Jason Inglish (ALCOVA Mortgage, Cumberland) and Jeremy Wetzel (CrossCountry Mortgage, Louisville). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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 25
- 1
Rob ClarkNMLS 182527
Guaranteed Rate Affinity, LLC · Alexandria, VA · licensed in 3 states
- Refinance
- FHA loan
- Jumbo loan
- VA loan
- VA 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)
- Office in Alexandria, VA
- States 35 years of experience (lender page, 2026-10-21)
- 2
Jason InglishNMLS 934863
ALCOVA Mortgage · Cumberland, MD · licensed in 7 states
- Refinance
- FHA loan
- Real estate investor
- USDA loan
- VA 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: July 26, 2022 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 3
Jeremy WetzelNMLS 3364
CrossCountry Mortgage · Louisville, KY · licensed in 10 states
- Refinance
- First-time buyer
- FHA loan
- VA 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 3, 2010 (Illinois), per state regulator
- States 23 years of experience (lender page, 2026-10-21)
- 4
George TaboraNMLS 2049966
American Pacific Mortgage · Reston, VA · licensed in 2 states
- Refinance
- Down payment assistance
- DSCR loan
- FHA loan
- VA 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)
- Office in Reston, VA
- Earliest state license record: October 14, 2021 (Florida), per state regulator
- 5
James ConleyNMLS 2026522
CrossCountry Mortgage · Columbia, MD · licensed in 13 states
- Refinance
- FHA loan
- First-time buyer
- VA 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: August 3, 2022 (Wisconsin), per state regulator
- States 6 years of experience (lender page, 2026-10-26)
- 6
Reece WilliamsNMLS 1257647
Guild Mortgage · Richmond, VA · licensed in 2 states
- Refinance
- FHA loan
- First-time buyer
- Real estate investor
- VA 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)
- Office in Richmond, VA
- 7
Jason StallworthNMLS 7577
Embrace Home Loans · Amityville, NY · licensed in 10 states
- Refinance
- FHA loan
- First-time buyer
- Non-QM loan
- VA 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 24, 2021 (Florida), per state regulator
- 8
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- VA 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 26, 2021 (Illinois), per state regulator
- 9
Bill WhiteNMLS 2268018
CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states
- Refinance
- HELOC
- FHA loan
- First-time buyer
- VA 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 13, 2021 (Illinois), per state regulator
- 10
Mike EastmanNMLS 21108
First Heritage Mortgage · Fairfax, VA · licensed in 12 states
- Refinance
- Real estate investor
- VA 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)
- Office in Fairfax, VA
- Earliest state license record: June 26, 2025 (Florida), per state regulator
- 11
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- VA 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)
- 12
Tim HandNMLS 2399625
First Home Mortgage · Dunkirk, MD · licensed in 6 states
- Refinance
- First-time buyer
- VA 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: December 27, 2022 (Florida), per state regulator
- 13
Troy WeatherlyNMLS 357207
Belem Servicing LLC · Las Vegas, NV · licensed in 3 states
- Refinance
- VA 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)
- States 20 years of experience (lender page, 2026-10-26)
- 14
Matt FensterNMLS 21524
Guild Mortgage · Middletown, RI · licensed in 12 states
- Refinance
- First-time buyer
- VA 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 15, 2026 (Florida), per state regulator
- States 22 years of experience (lender page, 2026-10-20)
- 15
Michael BushNMLS 67031
Guild Mortgage · North Attleboro, MA · licensed in 8 states
- Refinance
- Jumbo loan
- Down payment assistance
- First-time buyer
- VA 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 15, 2023 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-19)
- 16
Ron HaddadNMLS 204443
Union Home Mortgage · Arlington Heights, IL · licensed in 8 states
- Refinance
- Down payment assistance
- Vacation home
- VA 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 23, 2005 (Illinois), per state regulator
- States 20 years of experience (lender page, 2026-10-14)
- 17
Mike SemoNMLS 2101766
Trident Home Loans · Pensacola, FL · licensed in 3 states
- Refinance
- VA loan
- Real estate investor
- VA 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)
- 18
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Refinance
- Vacation home
- Bank statement loan
- DSCR loan
- VA 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 23, 2016 (California), per state regulator
- 19
Michael ColellaNMLS 1466855
Embrace Home Loans · Marlton, NJ · licensed in 9 states
- Refinance
- FHA loan
- HELOC
- Jumbo loan
- VA 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: February 9, 2026 (Florida), per state regulator
- States 10 years of experience (lender page, 2026-10-21)
- 20
Sarah PichardoNMLS 229120
CMG Home Loans · Fairfax, VA · licensed in 39 states
- Refinance
- VA 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)
- Office in Fairfax, VA
- Earliest state license record: August 15, 2022 (Florida), per state regulator
- 21
Mina BoulesNMLS 2790984
CrossCountry Mortgage · Denville, NJ
- Refinance
- FHA loan
- First-time buyer
- HELOC
- VA 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)
- 22
Jennifer BuckholzNMLS 265867
CMG Home Loans · Federal Way, WA · licensed in 28 states
- Refinance
- First-time buyer
- VA 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: July 26, 2011 (Oregon), per state regulator
- 23
Ashley OrtegaNMLS 238561
CMG Home Loans · Coronado, CA · licensed in 11 states
- Refinance
- HELOC
- Jumbo loan
- FHA loan
- VA 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: July 17, 2012 (California), per state regulator
- 24
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- VA 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
- 25
Julie Ann JacksonNMLS 108829
CMG Home Loans · Oak Harbor, WA · licensed in 9 states
- Refinance
- Renovation loan (203k / HomeStyle)
- VA 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)
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?
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 VA license is confirmed with the state regulator (check mark), VA 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=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.