Loan programs · California

Renovation loan officers in California

As of 2026-10-09, LenDb lists 60 loan officers licensed in or based in California whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Michelle Muqtadir (CrossCountry Mortgage, Seattle), Sandee Lutz (CrossCountry Mortgage, Romeo) and Tracey Radinovic (Fairway Independent Mortgage Corporation, Overland Park). Ranking is lender-neutral: specialty evidence first, then a license in CA, 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

    Michelle MuqtadirNMLS 143470

    CrossCountry Mortgage · Seattle, WA · licensed in 11 states

    • Renovation loan (203k / HomeStyle)
    • Jumbo loan
    • Low credit score
    • FHA loan
    • CA 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 2023 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Sandee LutzNMLS 533656

    CrossCountry Mortgage · Romeo, MI · licensed in 29 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • CA 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. 3

    Tracey RadinovicNMLS 997560

    Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states

    • Renovation loan (203k / HomeStyle)
    • Bank statement loan
    • DSCR loan
    • FHA loan
    • CA 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 14 years of experience (lender page, 2026-10-09)
  4. 4

    Evan LuchacoNMLS 887608

    Churchill Mortgage · Portland, OR · licensed in 12 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Self-employed
    • VA loan
    • CA 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 2023 (per Colorado records)
    • States 12 years of experience (lender page, 2026-10-09)
  5. 5

    George KalisNMLS 270402

    CrossCountry Mortgage · Fairfield, CA · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • CA 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 Fairfield, CA
    • States 32 years of experience (lender page, 2026-10-09)
  6. 6

    Robert SaberiNMLS 377663

    CrossCountry Mortgage · Benicia, CA

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • Jumbo loan
    • Non-QM loan
    • CA 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 Benicia, CA
    • States 20 years of experience (lender page, 2026-10-09)
  7. 7

    Adam MillerNMLS 221065

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

    • Renovation loan (203k / HomeStyle)
    • CA 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)
  8. 8

    Billy McElroyNMLS 48244

    CrossCountry Mortgage · Sewell, NJ · licensed in 6 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • Non-QM loan
    • CA 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)
    • States 25 years of experience (lender page, 2026-10-09)
  9. 9

    Dan LarkinNMLS 258898

    LeaderOne Financial · Oak Brook, IL · licensed in 18 states

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Real estate investor
    • Construction loan
    • CA 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)
    • States 25 years of experience (lender page, 2026-10-09)
  10. 10

    Chris DahlgaardNMLS 337672

    CrossCountry Mortgage · Tampa, FL · licensed in 10 states

    • Renovation loan (203k / HomeStyle)
    • CA 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 2011 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  11. 11

    Heidi GreenNMLS 344768

    CrossCountry Mortgage · Seattle, WA · licensed in 5 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • Reverse mortgage
    • CA 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 20 years of experience (lender page, 2026-10-09)
  12. 12

    Martin MetzdorfNMLS 387719

    CrossCountry Mortgage · Gilbert, AZ · licensed in 10 states

    • Renovation loan (203k / HomeStyle)
    • Non-QM loan
    • Real estate investor
    • CA 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 23 years of experience (lender page, 2026-10-09)
  13. 13

    Ricardo PachecoNMLS 454956

    CrossCountry Mortgage · Charlotte, NC · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • VA loan
    • Non-QM loan
    • USDA loan
    • CA 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 22 years of experience (lender page, 2026-10-09)
  14. 14

    Steve CrossmanNMLS 995551

    CrossCountry Mortgage · McKinney, TX · licensed in 6 states

    • Renovation loan (203k / HomeStyle)
    • Foreign national
    • Jumbo loan
    • Non-QM loan
    • CA 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)
  15. 15

    Denise Cuddeback MontgomeryNMLS 57734

    American Pacific Mortgage · Eugene, OR · licensed in 11 states

    • Renovation loan (203k / HomeStyle)
    • Bank statement loan
    • Down payment assistance
    • DSCR loan
    • CA 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 2023 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-09)
  16. 16

    Jason CotaNMLS 232220

    CrossCountry Mortgage · Winter Park, FL · licensed in 13 states

    • Renovation loan (203k / HomeStyle)
    • Jumbo loan
    • VA loan
    • FHA loan
    • CA 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)
  17. 17

    Renee SaccoNMLS 453805

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

    • Renovation loan (203k / HomeStyle)
    • Condo
    • Jumbo loan
    • New construction
    • CA 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)
  18. 18

    Fabiano OlmoNMLS 2760701

    CrossCountry Mortgage · Cleveland, OH · licensed in 26 states

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • CA 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)
  19. 19

    Jared EvensonNMLS 104085

    CrossCountry Mortgage · Spokane Valley, WA · licensed in 7 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • Non-QM loan
    • CA 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 15 years of experience (lender page, 2026-10-09)
  20. 20

    Nathan FitzgeraldNMLS 369554

    CrossCountry Mortgage · Orlando, FL · licensed in 15 states

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • VA loan
    • HELOC
    • CA 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 15 years of experience (lender page, 2026-10-09)
  21. 21

    Lindsay WitterNMLS 700709

    American Pacific Mortgage · Roseville, CA · licensed in 36 states

    • Renovation loan (203k / HomeStyle)
    • Condo
    • Down payment assistance
    • FHA loan
    • CA 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 Roseville, CA
    • Licensed since 2016 (per Colorado records)
  22. 22

    Tina ClarkNMLS 413597

    Guild Mortgage · Scottsdale, AZ · licensed in 26 states

    • Renovation loan (203k / HomeStyle)
    • CA 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)
  23. 23

    Roy MonteroNMLS 351403

    CrossCountry Mortgage · Honolulu, HI · licensed in 11 states

    • Renovation loan (203k / HomeStyle)
    • Manufactured home
    • Jumbo loan
    • USDA loan
    • CA 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 2015 (per Colorado records)
  24. 24

    Greg FearnleyNMLS 2643728

    CrossCountry Mortgage · Tampa, FL · licensed in 26 states

    • Renovation loan (203k / HomeStyle)
    • Real estate investor
    • VA loan
    • First-time buyer
    • CA 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)
  25. 25

    Stephanie BjorgeNMLS 1445028

    Xpert Home Lending · Mortgage broker

    • Renovation loan (203k / HomeStyle)
    • Manufactured home
    • Down payment assistance
    • Real estate investor
    • CA 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)

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 are listed when a CA license is confirmed with the state regulator (check mark), CA 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=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.