--- canonical_url: https://lendb.ai/s/refinance/washington last_verified: 2026-10-26 --- # Loan officers for homeowners who are refinancing in Washington As of 2026-10-26, LenDb lists 212 loan officers licensed in or based in Washington whose lender pages show Refinance work. The top-ranked are Ron Hanson (Guild Mortgage, Tumwater), Samantha Lindley (American Pacific Mortgage, Kennewick) and Kathleen Spicuzza (CrossCountry Mortgage, Las Vegas). Ranking is lender-neutral: specialty evidence first, then a license in WA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Ron Hanson](https://lendb.ai/lo/ron-hanson-112619)** (NMLS 112619), Guild Mortgage, Tumwater, WA - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Tumwater, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-20) 2. **[Samantha Lindley](https://lendb.ai/lo/samantha-lindley-1210610)** (NMLS 1210610), American Pacific Mortgage, Kennewick, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Kennewick, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 11, 2014 (Oregon), per state regulator - States 9 years of experience (lender page, 2026-10-20) 3. **[Kathleen Spicuzza](https://lendb.ai/lo/kathleen-spicuzza-865895)** (NMLS 865895), CrossCountry Mortgage, Las Vegas, NV - Lists Refinance on lender page (lender page, verified 2026-10-22) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 18, 2019 (California), per state regulator - States 20 years of experience (lender page, 2026-10-22) 4. **[Joe Villarreal](https://lendb.ai/lo/joe-villarreal-1781568)** (NMLS 1781568), Barrett Financial Group, Camas, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Camas, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 10, 2018 (Oregon), per state regulator 5. **[Rimma Israyelyan](https://lendb.ai/lo/rimma-israyelyan-157213)** (NMLS 157213), American Pacific Mortgage, Bellevue, WA - Focus: Refinance (from their own specialty list on their lender page, verified 2026-10-20) - Office in Bellevue, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 6. **[Gail Bean](https://lendb.ai/lo/gail-bean-583000)** (NMLS 583000), CMG Home Loans, Mill Creek, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Mill Creek, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 14, 2020 (Oregon), per state regulator - States 25 years of experience (lender page, 2026-10-11) 7. **[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) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 31, 2016 (Oregon), per state regulator - States 20 years of experience (lender page, 2026-10-22) 8. **[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) - Office in Federal Way, WA - WA 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 9. **[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) - Office in Oak Harbor, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Nick Carter](https://lendb.ai/lo/nick-carter-200547)** (NMLS 200547), Directors Mortgage, Eugene, OR - Lists Refinance on lender page (lender page, verified 2026-10-21) - WA 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 11. **[Nadia Raknai](https://lendb.ai/lo/nadia-raknai-484350)** (NMLS 484350), CrossCountry Mortgage, Seattle, WA - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Seattle, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 23, 2025 (Florida), per state regulator - States 28 years of experience (lender page, 2026-10-26) 12. **[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) - WA 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) 13. **[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) - WA 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 14. **[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) - WA 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) 15. **[DJ Joyce](https://lendb.ai/lo/dj-joyce-2540027)** (NMLS 2540027), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 21, 2023 (Oregon), per state regulator 16. **[Evan Jansen](https://lendb.ai/lo/evan-jansen-128384)** (NMLS 128384), Summit Mortgage Corporation, Lakewood, CO - Lists Refinance on lender page (lender page, verified 2026-10-26) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 29, 2008 (Wisconsin), per state regulator 17. **[Devin Harris](https://lendb.ai/lo/devin-harris-2848186)** (NMLS 2848186), Lower, Columbus, OH - Focus: Refinance (from their bio on their lender page, verified 2026-10-21) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 5, 2026 (California), per state regulator 18. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Refinance on lender page (lender page, verified 2026-10-20) - WA 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 19. **[Nicholas Charles Pagnini](https://lendb.ai/lo/nicholas-pagnini-1911943)** (NMLS 1911943), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 14, 2020 (California), per state regulator 20. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Refinance on lender page (lender page, verified 2026-10-20) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 26, 2012 (Oregon), per state regulator 21. **[Steve Bloom](https://lendb.ai/lo/steven-bloom-130998)** (NMLS 130998), A & N Mortgage Services, Inc., Chicago, IL - Lists Refinance on lender page (lender page, verified 2026-10-21) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 10, 2006 (Illinois), per state regulator 22. **[Carmel Perez](https://lendb.ai/lo/carmel-perez-1933170)** (NMLS 1933170), CrossCountry Mortgage, Kennewick, WA - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Kennewick, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 17, 2022 (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) - WA 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) - WA 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. **[Mike Gillett](https://lendb.ai/lo/michael-gillett-362285)** (NMLS 362285), Mortgage Marketplace LLC, Salem, OR - Lists Refinance on lender page (lender page, verified 2026-10-22) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 27, 2015 (California), per state regulator - States 30 years of experience (lender page, 2026-10-22) ## 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/washington. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._