Loan programs · Alabama
Renovation loan officers in Alabama
As of 2026-10-09, LenDb lists 83 loan officers licensed in or based in Alabama whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Wendy Seagle (CrossCountry Mortgage, Fort Walton Beach), Sandee Lutz (CrossCountry Mortgage, Romeo) and Scott Lacey (Guild Mortgage, Lincoln). Ranking is lender-neutral: specialty evidence first, then a license in AL, 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
Wendy SeagleNMLS 194641
CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Bank statement loan
- Construction loan
- DSCR loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- States 35 years of experience (lender page, 2026-10-09)
- 2
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) 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)
- 3
Scott LaceyNMLS 8154
Guild Mortgage · Lincoln, RI · licensed in 22 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) 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
Wendy NelsonNMLS 207665
CrossCountry Mortgage · Jasper, AL
- Renovation loan (203k / HomeStyle)
- Construction loan
- USDA loan
- VA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Office in Jasper, AL
- States 20 years of experience (lender page, 2026-10-09)
- 5
Michael AliNMLS 526283
CrossCountry Mortgage · Birmingham, AL · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Down payment assistance
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Office in Birmingham, AL
- Licensed since 2024 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 6
Jeanine GreenNMLS 334389
CrossCountry Mortgage · Jasper, AL
- Renovation loan (203k / HomeStyle)
- VA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Office in Jasper, AL
- States 15 years of experience (lender page, 2026-10-09)
- 7
Cissy BaconNMLS 36702
CrossCountry Mortgage · Mobile, AL · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- Jumbo loan
- Non-QM loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Office in Mobile, AL
- Licensed since 2010 (per Florida records)
- 8
Angie Gora VincentNMLS 103294
CrossCountry Mortgage · Bethlehem, GA · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Non-QM loan
- VA loan
- FHA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 9
Shannon BradshawNMLS 545211
CrossCountry Mortgage · Atlanta, GA · licensed in 13 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Jumbo loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 10
Dustin SwigartNMLS 681479
CrossCountry Mortgage · Tampa, FL · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Non-QM loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 11
Matthew BrownNMLS 1254520
Loan Factory · Mortgage broker · Austin, TX · licensed in 28 states
- Renovation loan (203k / HomeStyle)
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Florida records)
- 12
Joe DonovanNMLS 1450210
CrossCountry Mortgage · Suwanee, GA · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Real estate investor
- VA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 13
Jason CotaNMLS 232220
CrossCountry Mortgage · Winter Park, FL · licensed in 13 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- VA loan
- FHA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 14
Fabiano OlmoNMLS 2760701
CrossCountry Mortgage · Cleveland, OH · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- 15
Lisa ChauvinNMLS 112403
Assurance Financial · Baton Rouge, LA · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Down payment assistance
- FHA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- States 25 years of experience (lender page, 2026-10-09)
- 16
Tyler CainNMLS 118156
Embrace Home Loans · Temple Terrace, FL · licensed in 9 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Jumbo loan
- Non-QM loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 17
Shelly NicklesNMLS 430123
CrossCountry Mortgage · Montgomery, AL · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Down payment assistance
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Office in Montgomery, AL
- Licensed since 2019 (per Florida records)
- 18
Greg FearnleyNMLS 2643728
CrossCountry Mortgage · Tampa, FL · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- Real estate investor
- VA loan
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 11 years of experience (lender page, 2026-10-09)
- 19
Jeff HammelNMLS 162437
Ruoff Mortgage · licensed in 17 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- HELOC
- VA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 32 years of experience (lender page, 2026-10-09)
- 20
Blake MaggioNMLS 109536
GMFS Mortgage · Prairieville, LA · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- DSCR loan
- FHA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 21
Rodney MasonNMLS 151088
CrossCountry Mortgage · Atlanta, GA · licensed in 11 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- Jumbo loan
- Non-QM loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- 22
Clyde BellNMLS 1660787
CrossCountry Mortgage · Birmingham, AL · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Jumbo loan
- USDA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Office in Birmingham, AL
- Licensed since 2023 (per Florida records)
- 23
Bill RanceNMLS 2779120
Loan Factory · Mortgage broker · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Real estate investor
- Vacation home
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- 24
Brad JohnsonNMLS 92925
GMFS Mortgage · Baton Rouge, LA · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Down payment assistance
- FHA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- States 26 years of experience (lender page, 2026-10-09)
- 25
Randi BarrettNMLS 111677
GMFS Mortgage · Covington, LA · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Construction loan
- Down payment assistance
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) 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)
Before you choose
Contractor bids, consultants, draw schedules and as-completed appraisals add steps many loan officers avoid.
- How many renovation loans have you closed, and which programs?
- How do contractor draws and inspections work?
- What happens if the renovation runs over budget?
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 AL license is confirmed with the state regulator (check mark), AL 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=renovation&state=AL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.