--- canonical_url: https://lendb.ai/s/renovation/alabama last_verified: 2026-10-09 --- # Renovation loan officers in Alabama As of 2026-10-09, LenDb lists 45 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. ## Ranked, with reasons 1. **[Wendy Seagle](https://lendb.ai/lo/wendy-seagle-194641)** (NMLS 194641), CrossCountry Mortgage, Fort Walton Beach, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 35 years of experience (lender page, 2026-10-09) 2. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL 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) 3. **[Scott Lacey](https://lendb.ai/lo/scott-lacey-8154)** (NMLS 8154), Guild Mortgage, Lincoln, RI - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL 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. **[Wendy Nelson](https://lendb.ai/lo/wendy-nelson-207665)** (NMLS 207665), CrossCountry Mortgage, Jasper, AL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Jasper, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 5. **[Michael Ali](https://lendb.ai/lo/shellie-ali-526283)** (NMLS 526283), CrossCountry Mortgage, Birmingham, AL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Birmingham, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 6. **[Jeanine Green](https://lendb.ai/lo/jeanine-green-334389)** (NMLS 334389), CrossCountry Mortgage, Jasper, AL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Jasper, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 7. **[Cissy Bacon](https://lendb.ai/lo/cecilia-bacon-36702)** (NMLS 36702), CrossCountry Mortgage, Mobile, AL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Mobile, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 8. **[Angie Gora Vincent](https://lendb.ai/lo/angela-vincent-103294)** (NMLS 103294), CrossCountry Mortgage, Bethlehem, GA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 9. **[Shannon Bradshaw](https://lendb.ai/lo/shannon-bradshaw-545211)** (NMLS 545211), CrossCountry Mortgage, Atlanta, GA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 10. **[Dustin Swigart](https://lendb.ai/lo/dustin-swigart-681479)** (NMLS 681479), CrossCountry Mortgage, Tampa, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 11. **[Matthew Brown](https://lendb.ai/lo/matthew-brown-1254520)** (NMLS 1254520), Loan Factory, Austin, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) 12. **[Joe Donovan](https://lendb.ai/lo/joe-donovan-1450210)** (NMLS 1450210), CrossCountry Mortgage, Suwanee, GA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 13. **[Jason Cota](https://lendb.ai/lo/jason-cota-232220)** (NMLS 232220), CrossCountry Mortgage, Winter Park, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 14. **[Fabiano Olmo](https://lendb.ai/lo/fabiano-goncalves-da-costa-olmo-2760701)** (NMLS 2760701), CrossCountry Mortgage, Cleveland, OH - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 15. **[Shelly Nickles](https://lendb.ai/lo/shelly-nickles-430123)** (NMLS 430123), CrossCountry Mortgage, Montgomery, AL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Montgomery, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 16. **[Greg Fearnley](https://lendb.ai/lo/gregory-fearnley-2643728)** (NMLS 2643728), CrossCountry Mortgage, Tampa, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 11 years of experience (lender page, 2026-10-09) 17. **[Rodney Mason](https://lendb.ai/lo/rodney-mason-151088)** (NMLS 151088), CrossCountry Mortgage, Atlanta, GA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 18. **[Clyde Bell](https://lendb.ai/lo/clyde-bell-1660787)** (NMLS 1660787), CrossCountry Mortgage, Birmingham, AL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Birmingham, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 19. **[Bill Rance](https://lendb.ai/lo/william-rance-2779120)** (NMLS 2779120), Loan Factory - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 20. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 21. **[Mya Sharp](https://lendb.ai/lo/mya-sharp-2721493)** (NMLS 2721493), CrossCountry Mortgage, Huntsville, AL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Huntsville, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 22. **[Richard Miller](https://lendb.ai/lo/richard-miller-1400130)** (NMLS 1400130), CrossCountry Mortgage, Cleveland, OH - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 23. **[Todd Nunis](https://lendb.ai/lo/roy-nunis-134294)** (NMLS 134294), Guild Mortgage, Colleyville, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) 24. **[Jennifer Marie Smith](https://lendb.ai/lo/jennifer-smith-1215018)** (NMLS 1215018), CrossCountry Mortgage, Orlando, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 25. **[Patton Gade](https://lendb.ai/lo/patton-gade-1243024)** (NMLS 1243024), CrossCountry Mortgage, Scottsdale, AZ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/renovation/alabama. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._