--- canonical_url: https://lendb.ai/s/fha/montana last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Jay Garvens](https://lendb.ai/lo/jay-garvens-368259)** (NMLS 368259), Churchill Mortgage, Colorado Springs, CO - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2007 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 3. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) - States 12 years of experience (lender page, 2026-10-09) 5. **[Devin Fahrner](https://lendb.ai/lo/devin-fahrner-399405)** (NMLS 399405), American Pacific Mortgage, Eagle, ID - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Colorado records) - States 30 years of experience (lender page, 2026-10-09) 6. **[Ashlie Roe](https://lendb.ai/lo/ashlie-roe-639380)** (NMLS 639380), CrossCountry Mortgage, Eden, UT - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 7. **[Mike Schuster](https://lendb.ai/lo/michael-schuster-1980879)** (NMLS 1980879), CrossCountry Mortgage, Columbia, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 8. **[James McMurrey](https://lendb.ai/lo/james-mcmurrey-2302283)** (NMLS 2302283), CrossCountry Mortgage, Lacey, WA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 9. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 10. **[Kolby Gibson](https://lendb.ai/lo/kolby-gibson-324487)** (NMLS 324487), American Pacific Mortgage, Encinitas, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 11. **[Josh Dalglish](https://lendb.ai/lo/josh-dalglish-569991)** (NMLS 569991), Guild Mortgage, Wilsonville, OR - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Colorado records) - States 13 years of experience (lender page, 2026-10-09) 12. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 13. **[Jeff Edwards](https://lendb.ai/lo/jeff-edwards-404522)** (NMLS 404522), Churchill Mortgage, Coeur d'Alene, ID - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Amy Herber](https://lendb.ai/lo/amy-herber-880954)** (NMLS 880954), American Pacific Mortgage, Eagle, ID - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) 15. **[Sandi Ann Milohov](https://lendb.ai/lo/sandi-milohov-114287)** (NMLS 114287), Guild Mortgage, Vancouver, WA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Kevin Holmes](https://lendb.ai/lo/kevin-holmes-193246)** (NMLS 193246), NFM Lending, Linthicum, MD - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 17. **[Arthur Buhrer](https://lendb.ai/lo/arthur-buhrer-114080)** (NMLS 114080), CrossCountry Mortgage, Sequim, WA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 18. **[Frank Cimperman](https://lendb.ai/lo/frank-cimperman-194237)** (NMLS 194237), CrossCountry Mortgage, Cleveland, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 19. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 20. **[Joe Walker](https://lendb.ai/lo/joe-walker-299499)** (NMLS 299499), CrossCountry Mortgage, Spokane Valley, WA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 24 years of experience (lender page, 2026-10-09) 21. **[Jared Paul](https://lendb.ai/lo/jared-paul-974114)** (NMLS 974114), CrossCountry Mortgage, Scottsdale, AZ - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 22. **[Joshua Ulmer](https://lendb.ai/lo/joshua-ulmer-217794)** (NMLS 217794), CrossCountry Mortgage, Tequesta, FL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 23. **[Scott Evans](https://lendb.ai/lo/scott-evans-256163)** (NMLS 256163), CrossCountry Mortgage, San Diego, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) 24. **[Betsy Santellano](https://lendb.ai/lo/elizabeth-santellano-493899)** (NMLS 493899), CrossCountry Mortgage, Deerfield, IL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 25. **[Brandon Taylor](https://lendb.ai/lo/brandon-taylor-429701)** (NMLS 429701), CrossCountry Mortgage, Reno, NV - Lists FHA loan on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 10 years of experience (lender page, 2026-10-09) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/fha/montana. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._