---
canonical_url: https://lendb.ai/s/manufactured/minnesota
last_verified: 2026-10-09
---

# Manufactured home loan officers in Minnesota

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Minnesota whose lender pages show Manufactured home work. The top-ranked are Roy Montero (CrossCountry Mortgage, Honolulu), Denise Cuddeback Montgomery (American Pacific Mortgage, Eugene) and Siri Calamese (Guild Mortgage, Tampa). Ranking is lender-neutral: specialty evidence first, then a license in MN, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Roy Montero](https://lendb.ai/lo/roy-montero-351403)** (NMLS 351403), CrossCountry Mortgage, Honolulu, HI
   - Lists Manufactured home on lender page (lender page, verified 2026-10-09)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2015 (per Colorado records)
2. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR
   - Lists Manufactured home on lender page (lender page, verified 2026-10-09)
   - MN 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)
3. **[Siri Calamese](https://lendb.ai/lo/siri-calamese-2075460)** (NMLS 2075460), Guild Mortgage, Tampa, FL
   - Lists Manufactured home on lender page (lender page, verified 2026-10-09)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)

## Questions to ask

- Do you finance manufactured homes as real property, chattel, or both?
- What foundation certification and age requirements apply?
- Can the land and home be financed together?

Cite as: LenDb.ai, https://lendb.ai/s/manufactured/minnesota.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._