Loan programs · Montana

FHA loan officers in Montana

As of 2026-10-09, LenDb lists 59 loan officers licensed in or based in Montana whose lender pages show FHA loan work. The top-ranked are Scott Reese (CrossCountry Mortgage, Cleveland), Jay Garvens (Churchill Mortgage, Colorado Springs) and Sandee Lutz (CrossCountry Mortgage, Romeo). Ranking is lender-neutral: specialty evidence first, then a license in MT, 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. 1

    Scott ReeseNMLS 86512

    CrossCountry Mortgage · Cleveland, OH · licensed in 17 states

    • FHA loan
    • VA loan
    • First-time buyer
    • HELOC
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Jay GarvensNMLS 368259

    Churchill Mortgage · Colorado Springs, CO · licensed in 11 states

    • FHA loan
    • First-time buyer
    • VA loan
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2007 (per Colorado records)
    • States 25 years of experience (lender page, 2026-10-09)
  3. 3

    Sandee LutzNMLS 533656

    CrossCountry Mortgage · Romeo, MI · licensed in 29 states

    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  4. 4

    Evan LuchacoNMLS 887608

    Churchill Mortgage · Portland, OR · licensed in 12 states

    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • Self-employed
    • VA loan
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Colorado records)
    • States 12 years of experience (lender page, 2026-10-09)
  5. 5

    Devin FahrnerNMLS 399405

    American Pacific Mortgage · Eagle, ID · licensed in 17 states

    • FHA loan
    • VA loan
    • First-time buyer
    • Real estate investor
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2024 (per Colorado records)
    • States 30 years of experience (lender page, 2026-10-09)
  6. 6

    Ashlie RoeNMLS 639380

    CrossCountry Mortgage · Eden, UT · licensed in 11 states

    • FHA loan
    • Real estate investor
    • VA loan
    • Construction loan
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Colorado records)
  7. 7

    Mike SchusterNMLS 1980879

    CrossCountry Mortgage · Columbia, MD · licensed in 22 states

    • FHA loan
    • VA loan
    • First-time buyer
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
  8. 8

    James McMurreyNMLS 2302283

    CrossCountry Mortgage · Lacey, WA · licensed in 25 states

    • FHA loan
    • USDA loan
    • VA loan
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
  9. 9

    Denise Cuddeback MontgomeryNMLS 57734

    American Pacific Mortgage · Eugene, OR · licensed in 11 states

    • FHA loan
    • Bank statement loan
    • Down payment assistance
    • DSCR loan
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-09)
  10. 10

    Kolby GibsonNMLS 324487

    American Pacific Mortgage · Encinitas, CA · licensed in 9 states

    • FHA loan
    • VA loan
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
  11. 11

    Josh DalglishNMLS 569991

    Guild Mortgage · Wilsonville, OR · licensed in 7 states

    • FHA loan
    • VA loan
    • Jumbo loan
    • Down payment assistance
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2026 (per Colorado records)
    • States 13 years of experience (lender page, 2026-10-09)
  12. 12

    Lindsay WitterNMLS 700709

    American Pacific Mortgage · Roseville, CA · licensed in 36 states

    • FHA loan
    • Condo
    • Down payment assistance
    • Jumbo loan
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Colorado records)
  13. 13

    Jeff EdwardsNMLS 404522

    Churchill Mortgage · Coeur d'Alene, ID · licensed in 5 states

    • FHA loan
    • Construction loan
    • VA loan
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
  14. 14

    Amy HerberNMLS 880954

    American Pacific Mortgage · Eagle, ID · licensed in 9 states

    • FHA loan
    • Construction loan
    • Down payment assistance
    • Renovation loan (203k / HomeStyle)
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Colorado records)
  15. 15

    Sandi Ann MilohovNMLS 114287

    Guild Mortgage · Vancouver, WA · licensed in 4 states

    • FHA loan
    • First-time buyer
    • Self-employed
    • VA loan
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
  16. 16

    Kevin HolmesNMLS 193246

    NFM Lending · Linthicum, MD · licensed in 23 states

    • FHA loan
    • First-time buyer
    • Jumbo loan
    • USDA loan
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2026 (per Florida records)
  17. 17

    Arthur BuhrerNMLS 114080

    CrossCountry Mortgage · Sequim, WA · licensed in 14 states

    • FHA loan
    • Down payment assistance
    • Real estate investor
    • Reverse mortgage
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Colorado records)
    • States 20 years of experience (lender page, 2026-10-09)
  18. 18

    Frank CimpermanNMLS 194237

    CrossCountry Mortgage · Cleveland, OH · licensed in 50 states

    • FHA loan
    • First-time buyer
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2012 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  19. 19

    Coley RauNMLS 256481

    CrossCountry Mortgage · Bryan, OH · licensed in 26 states

    • FHA loan
    • Down payment assistance
    • Jumbo loan
    • Real estate investor
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
    • States 21 years of experience (lender page, 2026-10-09)
  20. 20

    Joe WalkerNMLS 299499

    CrossCountry Mortgage · Spokane Valley, WA · licensed in 4 states

    • FHA loan
    • New construction
    • Manufactured home
    • First-time buyer
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • States 24 years of experience (lender page, 2026-10-09)
  21. 21

    Jared PaulNMLS 974114

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 21 states

    • FHA loan
    • Non-QM loan
    • VA loan
    • First-time buyer
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Colorado records)
    • States 20 years of experience (lender page, 2026-10-09)
  22. 22

    Joshua UlmerNMLS 217794

    CrossCountry Mortgage · Tequesta, FL · licensed in 7 states

    • FHA loan
    • Non-QM loan
    • VA loan
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2011 (per Florida records)
  23. 23

    Scott EvansNMLS 256163

    CrossCountry Mortgage · San Diego, CA · licensed in 38 states

    • FHA loan
    • VA loan
    • Jumbo loan
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2013 (per Florida records)
  24. 24

    Betsy SantellanoNMLS 493899

    CrossCountry Mortgage · Deerfield, IL · licensed in 32 states

    • FHA loan
    • First-time buyer
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2014 (per Florida records)
  25. 25

    Brandon TaylorNMLS 429701

    CrossCountry Mortgage · Reno, NV · licensed in 4 states

    • FHA loan
    • First-time buyer
    • MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • States 10 years of experience (lender page, 2026-10-09)

Before you choose

Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.

  • What minimum credit score do you accept for FHA, with or without overlays?
  • How do you handle FHA appraisal repair requirements?
  • What will mortgage insurance cost over the life of the loan?

More about FHA loan

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 MT license is confirmed with the state regulator (check mark), MT 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 (licensed since, per the regulator records we hold) 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=fha&state=MT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.