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Loan programs · Arizona

Renovation loan officers in Arizona

As of 2026-10-09, LenDb lists 88 loan officers licensed in or based in Arizona whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Shelley Covington (Intercap Lending, Kirkland), Shirley Clough (Newrez, Seattle) and Bill Gaylord (Guild Mortgage, Henderson). Ranking is lender-neutral: specialty evidence first, then a license in AZ, 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

    Shelley CovingtonNMLS 102076

    Intercap Lending · Kirkland, WA · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 25 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  2. 2

    Shirley CloughNMLS 175716

    Newrez · Seattle, WA

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • VA loan
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 30 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  3. 3

    Bill GaylordNMLS 680603

    Guild Mortgage · Henderson, NV · licensed in 7 states

    • Renovation loan (203k / HomeStyle)
    • DSCR loan
    • FHA loan
    • Jumbo loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 33 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  4. 4

    Davin CrowNMLS 1850024

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 6 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • VA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 5 years licensed
  5. 5

    Gilbert SalazarNMLS 344711

    Guild Mortgage · Irvine, CA · licensed in 7 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Michelle MuqtadirNMLS 143470

    CrossCountry Mortgage · Seattle, WA · licensed in 11 states

    • Renovation loan (203k / HomeStyle)
    • Jumbo loan
    • Low credit score
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Renee SaccoNMLS 453805

    Union Home Mortgage · Phoenix, AZ · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • Condo
    • FHA loan
    • Jumbo loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  8. 8

    Evan LuchacoNMLS 887608

    Churchill Mortgage · Portland, OR · licensed in 12 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Self-employed
    • VA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 12 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  9. 9

    Cassandra BajakNMLS 304653

    Guild Mortgage · Aurora, IL · licensed in 5 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Jumbo loan
    • Recent credit event
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    Heidi GreenNMLS 344768

    CrossCountry Mortgage · Seattle, WA · licensed in 5 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • Reverse mortgage
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  11. 11

    John SchwabNMLS 223945

    Guild Mortgage · Aurora, IL · licensed in 10 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Christina ClarkNMLS 413597

    Guild Mortgage · Scottsdale, AZ · licensed in 26 states

    • Renovation loan (203k / HomeStyle)
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  13. 13

    Patton GadeNMLS 1243024

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 41 states

    • Renovation loan (203k / HomeStyle)
    • VA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 4 years licensed
  14. 14

    Gregory James BrooksNMLS 151145

    Guild Mortgage · San Diego, CA · licensed in 9 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • Manufactured home
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Heidi GageNMLS 213769

    NFM Lending · Linthicum, MD · licensed in 27 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • VA loan
    • Jumbo loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Adam MillerNMLS 221065

    LeaderOne Financial · Oak Brook, IL · licensed in 13 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Beth PrickettNMLS 450053

    Guild Mortgage · Aurora, IL · licensed in 6 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Jumbo loan
    • USDA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Cari ZepedaNMLS 1939523

    Guild Mortgage · Aurora, IL · licensed in 11 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Theresa DonohueNMLS 238591

    Newrez · Yelm, WA · licensed in 4 states

    • Renovation loan (203k / HomeStyle)
    • VA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Martin MetzdorfNMLS 387719

    CrossCountry Mortgage · Gilbert, AZ · licensed in 10 states

    • Renovation loan (203k / HomeStyle)
    • Non-QM loan
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 1 years licensed
  21. 21

    Court CrofootNMLS 200175

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 11 states

    • Renovation loan (203k / HomeStyle)
    • Co-op
    • Condo
    • Construction loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 2 years licensed
  22. 22

    Matthew BrownNMLS 1254520

    Loan Factory · Mortgage broker · Austin, TX · licensed in 28 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • FHA loan
    • HELOC
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Beatriz VillalobosNMLS 2175864

    CrossCountry Mortgage · Sierra Vista, AZ · licensed in 7 states

    • Renovation loan (203k / HomeStyle)
    • Condo
    • Construction loan
    • Down payment assistance
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  24. 24

    Mark VargasNMLS 202496

    CrossCountry Mortgage · Tucson, AZ

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • Down payment assistance
    • Jumbo loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  25. 25

    Chris LeonNMLS 854517

    CrossCountry Mortgage · Sierra Vista, AZ

    • Renovation loan (203k / HomeStyle)
    • Co-op
    • Condo
    • Construction loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb

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?

More about Renovation loan (203k / HomeStyle)

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in AZ or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=renovation&state=AZ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.