--- canonical_url: https://lendb.ai/s/refinance/west-virginia last_verified: 2026-10-26 --- # Loan officers for homeowners who are refinancing in West Virginia As of 2026-10-26, LenDb lists 48 loan officers licensed in or based in West Virginia whose lender pages show Refinance work. The top-ranked are Jason Inglish (ALCOVA Mortgage, Cumberland), Mike Schuster (CrossCountry Mortgage, Columbia) and Tim Hand (First Home Mortgage, Dunkirk). Ranking is lender-neutral: specialty evidence first, then a license in WV, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - WV 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) 2. **[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) - WV 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 3. **[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) - WV 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 4. **[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) - WV 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 5. **[Mark Youmagul](https://lendb.ai/lo/phelotkhane-youmagul-319143)** (NMLS 319143), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 27, 2010 (California), per state regulator 6. **[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) - WV 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 7. **[Sarah Lathrop](https://lendb.ai/lo/sarah-lathrop-1611631)** (NMLS 1611631), Mortgage Solutions of Colorado, LLC, Colorado Springs, CO - Lists Refinance on lender page (lender page, verified 2026-10-21) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 4, 2018 (Colorado), per state regulator 8. **[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) - WV 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 9. **[Kevin Patrick](https://lendb.ai/lo/kevin-patrick-1036946)** (NMLS 1036946), CrossCountry Mortgage, Martinsburg, WV - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Martinsburg, WV - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 15, 2017 (Florida), per state regulator 10. **[Tom Hammond](https://lendb.ai/lo/tom-hammond-453399)** (NMLS 453399), CrossCountry Mortgage, Charlotte, NC - Lists Refinance on lender page (lender page, verified 2026-10-22) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 26, 2015 (California), per state regulator - States 20 years of experience (lender page, 2026-10-22) 11. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 3, 2011 (California), per state regulator - States 20 years of experience (lender page, 2026-10-26) 12. **[Peter Corum](https://lendb.ai/lo/peter-corum-189214)** (NMLS 189214), CrossCountry Mortgage, Martinsburg, WV - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Martinsburg, WV - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Mark Niosi](https://lendb.ai/lo/mark-niosi-216306)** (NMLS 216306), CrossCountry Mortgage, Dunkirk, MD - Lists Refinance on lender page (lender page, verified 2026-10-21) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 23, 2020 (Florida), per state regulator - States 24 years of experience (lender page, 2026-10-21) 14. **[Dave Mellott](https://lendb.ai/lo/dave-mellott-450659)** (NMLS 450659), CrossCountry Mortgage, Martinsburg, WV - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Martinsburg, WV - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Mike Filan](https://lendb.ai/lo/michael-filan-659409)** (NMLS 659409), CrossCountry Mortgage, Fairfax, VA - Lists Refinance on lender page (lender page, verified 2026-10-22) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 22, 2024 (Colorado), per state regulator - States 24 years of experience (lender page, 2026-10-22) 16. **[Terry Mumaw](https://lendb.ai/lo/terry-mumaw-1566641)** (NMLS 1566641), CrossCountry Mortgage, Martinsburg, WV - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Martinsburg, WV - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Aaron Denton](https://lendb.ai/lo/jeremiah-denton-370202)** (NMLS 370202), CrossCountry Mortgage, Batavia, OH - Lists Refinance on lender page (lender page, verified 2026-10-21) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 15, 2015 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-21) 18. **[Jason Wilbur](https://lendb.ai/lo/jason-wilbur-676414)** (NMLS 676414), CrossCountry Mortgage, Fort Walton Beach, FL - Lists Refinance on lender page (lender page, verified 2026-10-22) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 17, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-22) 19. **[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) - WV 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) 20. **[Joy Gumm](https://lendb.ai/lo/joy-gumm-2053304)** (NMLS 2053304), CrossCountry Mortgage, South Charleston, WV - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in South Charleston, WV - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Jennifer Wilson](https://lendb.ai/lo/jennifer-wilson-798613)** (NMLS 798613), CrossCountry Mortgage, Morgantown, WV - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Morgantown, WV - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Nathan Fitzgerald](https://lendb.ai/lo/nathan-fitzgerald-369554)** (NMLS 369554), CrossCountry Mortgage, Orlando, FL - Lists Refinance on lender page (lender page, verified 2026-10-21) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 4, 2022 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-21) 23. **[Lisa M. Zeller](https://lendb.ai/lo/lisa-m-zeller-415625)** (NMLS 415625), Truist Bank, Morgantown, WV - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Morgantown, WV - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 24. **[Samuel Cronin](https://lendb.ai/lo/samuel-cronin-179178)** (NMLS 179178), CrossCountry Mortgage, Zanesville, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 4, 2015 (Wisconsin), per state regulator 25. **[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) - WV 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 ## 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/west-virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._