--- canonical_url: https://lendb.ai/s/refinance/virginia last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Rob Clark](https://lendb.ai/lo/rob-clark-182527)** (NMLS 182527), Guaranteed Rate Affinity, LLC, Alexandria, VA - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Alexandria, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 35 years of experience (lender page, 2026-10-21) 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) - VA 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. **[Jeremy Wetzel](https://lendb.ai/lo/jeremy-wetzel-3364)** (NMLS 3364), CrossCountry Mortgage, Louisville, KY - Lists Refinance on lender page (lender page, verified 2026-10-21) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 3, 2010 (Illinois), per state regulator - States 23 years of experience (lender page, 2026-10-21) 4. **[George Tabora](https://lendb.ai/lo/george-tabora-2049966)** (NMLS 2049966), American Pacific Mortgage, Reston, VA - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Reston, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 14, 2021 (Florida), per state regulator 5. **[James Conley](https://lendb.ai/lo/james-conley-2026522)** (NMLS 2026522), CrossCountry Mortgage, Columbia, MD - Lists Refinance on lender page (lender page, verified 2026-10-26) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 3, 2022 (Wisconsin), per state regulator - States 6 years of experience (lender page, 2026-10-26) 6. **[Reece Williams](https://lendb.ai/lo/reece-williams-1257647)** (NMLS 1257647), Guild Mortgage, Richmond, VA - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Richmond, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 7. **[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) - VA 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 8. **[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) - VA 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 9. **[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) - VA 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 10. **[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) - Office in Fairfax, VA - VA 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 11. **[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) - VA 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) 12. **[Tim Hand](https://lendb.ai/lo/john-hand-2399625)** (NMLS 2399625), First Home Mortgage, Dunkirk, MD - Lists Refinance on lender page (lender page, verified 2026-10-20) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 27, 2022 (Florida), per state regulator 13. **[Troy Weatherly](https://lendb.ai/lo/troy-weatherly-357207)** (NMLS 357207), Belem Servicing LLC, Las Vegas, NV - Lists Refinance on lender page (lender page, verified 2026-10-26) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-26) 14. **[Matt Fenster](https://lendb.ai/lo/matthew-fenster-21524)** (NMLS 21524), Guild Mortgage, Middletown, RI - Lists Refinance on lender page (lender page, verified 2026-10-26) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 15, 2026 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-20) 15. **[Michael Bush](https://lendb.ai/lo/michael-bush-67031)** (NMLS 67031), Guild Mortgage, North Attleboro, MA - Lists Refinance on lender page (lender page, verified 2026-10-26) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 15, 2023 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-19) 16. **[Ron Haddad](https://lendb.ai/lo/ronald-haddad-204443)** (NMLS 204443), Union Home Mortgage, Arlington Heights, IL - Lists Refinance on lender page (lender page, verified 2026-10-26) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 23, 2005 (Illinois), per state regulator - States 20 years of experience (lender page, 2026-10-14) 17. **[Mike Semo](https://lendb.ai/lo/mike-semo-2101766)** (NMLS 2101766), Trident Home Loans, Pensacola, FL - Lists Refinance on lender page (lender page, verified 2026-10-26) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[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) - VA 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 19. **[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) - VA 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) 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) - Office in Fairfax, VA - VA 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. **[Mina Boules](https://lendb.ai/lo/mina-boules-2790984)** (NMLS 2790984), CrossCountry Mortgage, Denville, NJ - Lists Refinance on lender page (lender page, verified 2026-10-26) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[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) - VA 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 23. **[Ashley Ortega](https://lendb.ai/lo/ashley-ortega-238561)** (NMLS 238561), CMG Home Loans, Coronado, CA - Lists Refinance on lender page (lender page, verified 2026-10-20) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 17, 2012 (California), per state regulator 24. **[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) - VA 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 25. **[Julie Ann Jackson](https://lendb.ai/lo/julie-ann-jackson-108829)** (NMLS 108829), CMG Home Loans, Oak Harbor, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._