--- canonical_url: https://lendb.ai/s/renovation/california last_verified: 2026-10-11 --- # Renovation loan officers in California As of 2026-10-11, LenDb lists 62 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. ## Ranked, with reasons 1. **[Michelle Muqtadir](https://lendb.ai/lo/michelle-muqtadir-143470)** (NMLS 143470), CrossCountry Mortgage, Seattle, WA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 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) - CA 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. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 4. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) - States 12 years of experience (lender page, 2026-10-09) 5. **[Archie E. Vetter](https://lendb.ai/lo/archie-vetter-203614)** (NMLS 203614), Neighborhood Loans - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-10) - CA 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, 2026-10-10) 6. **[George Kalis](https://lendb.ai/lo/george-kalis-270402)** (NMLS 270402), CrossCountry Mortgage, Fairfield, CA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Fairfield, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 32 years of experience (lender page, 2026-10-09) 7. **[Robert Saberi](https://lendb.ai/lo/robert-saberi-377663)** (NMLS 377663), CrossCountry Mortgage, Benicia, CA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Benicia, CA - CA 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) 8. **[Adam Miller](https://lendb.ai/lo/adam-miller-221065)** (NMLS 221065), LeaderOne Financial, Oak Brook, IL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 9. **[Billy McElroy](https://lendb.ai/lo/william-mcelroy-48244)** (NMLS 48244), CrossCountry Mortgage, Sewell, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 10. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 11. **[Chris Dahlgaard](https://lendb.ai/lo/eric-dahlgaard-337672)** (NMLS 337672), CrossCountry Mortgage, Tampa, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 12. **[Heidi Green](https://lendb.ai/lo/heidi-green-344768)** (NMLS 344768), CrossCountry Mortgage, Seattle, WA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA 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) 13. **[Martin Metzdorf](https://lendb.ai/lo/martin-metzdorf-387719)** (NMLS 387719), CrossCountry Mortgage, Gilbert, AZ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 14. **[Ricardo Pacheco](https://lendb.ai/lo/ricardo-pacheco-454956)** (NMLS 454956), CrossCountry Mortgage, Charlotte, NC - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 22 years of experience (lender page, 2026-10-09) 15. **[Steve Crossman](https://lendb.ai/lo/steven-crossman-995551)** (NMLS 995551), CrossCountry Mortgage, McKinney, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA 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) 16. **[Keith Collins](https://lendb.ai/lo/keith-collins-308355)** (NMLS 308355), Edge Home Finance - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-11) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-11) 17. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA 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) 18. **[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) - CA 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) 19. **[Renee Sacco](https://lendb.ai/lo/renee-sacco-453805)** (NMLS 453805), Union Home Mortgage, Phoenix, AZ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[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) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Colorado records) 21. **[Jared Evenson](https://lendb.ai/lo/jared-evenson-104085)** (NMLS 104085), CrossCountry Mortgage, Spokane Valley, WA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 22. **[Nathan Fitzgerald](https://lendb.ai/lo/nathan-fitzgerald-369554)** (NMLS 369554), CrossCountry Mortgage, Orlando, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 23. **[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) - Office in Roseville, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 24. **[Tina Clark](https://lendb.ai/lo/christina-clark-413597)** (NMLS 413597), Guild Mortgage, Scottsdale, AZ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Court Crofoot](https://lendb.ai/lo/court-crofoot-200175)** (NMLS 200175), CrossCountry Mortgage, Scottsdale, AZ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (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/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._