Loan programs · Colorado

Renovation loan officers in Colorado

As of 2026-10-10, LenDb lists 25 loan officers licensed in or based in Colorado whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Michelle Muqtadir (CrossCountry Mortgage, Seattle), Sandee Lutz (CrossCountry Mortgage, Romeo) and Evan Luchaco (Churchill Mortgage, Portland). Ranking is lender-neutral: specialty evidence first, then a license in CO, 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
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100536117), verified 2026-10-10
    • 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
    • CO 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

    Evan LuchacoNMLS 887608

    Churchill Mortgage · Portland, OR · licensed in 12 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Self-employed
    • VA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100537070), verified 2026-10-10
    • 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)
  4. 4

    Susan van de PollNMLS 831038

    Xpert Home Lending · Mortgage broker · licensed in 4 states

    • Renovation loan (203k / HomeStyle)
    • Real estate investor
    • First-time buyer
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100008071), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2006 (per Colorado records)
  5. 5

    Archie E. VetterNMLS 203614

    Neighborhood Loans · licensed in 20 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Jumbo loan
    • Non-QM loan
    • CO 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 2026-10-10)
    • Licensed since 2020 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-10)
  6. 6

    Dan LarkinNMLS 258898

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

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Real estate investor
    • Construction loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100517687), verified 2026-10-10
    • 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)
  7. 7

    Steve CrossmanNMLS 995551

    CrossCountry Mortgage · McKinney, TX · licensed in 6 states

    • Renovation loan (203k / HomeStyle)
    • Foreign national
    • Jumbo loan
    • Non-QM loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100524008), verified 2026-10-10
    • 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)
  8. 8

    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
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100544968), verified 2026-10-10
    • 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)
  9. 9

    Philip CyzaNMLS 1737448

    Newrez · Columbia, MD · licensed in 2 states

    • Renovation loan (203k / HomeStyle)
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100512009), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
  10. 10

    Jason CotaNMLS 232220

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

    • Renovation loan (203k / HomeStyle)
    • Jumbo loan
    • VA loan
    • FHA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100515194), verified 2026-10-10
    • 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)
  11. 11

    Nathan JuliusNMLS 2613390

    Churchill Mortgage · Delafield, WI · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • USDA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100545096), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2026 (per Colorado records)
  12. 12

    Fabiano OlmoNMLS 2760701

    CrossCountry Mortgage · Cleveland, OH · licensed in 26 states

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100544187), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2026 (per Colorado records)
  13. 13

    Theresa DonohueNMLS 238591

    Newrez · Yelm, WA · licensed in 4 states

    • Renovation loan (203k / HomeStyle)
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100542776), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
  14. 14

    Ricardo PachecoNMLS 454956

    CrossCountry Mortgage · Charlotte, NC · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • VA loan
    • Non-QM loan
    • USDA loan
    • CO 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)
  15. 15

    Joe ManglardiNMLS 1128287

    CrossCountry Mortgage · Tampa, FL · licensed in 5 states

    • Renovation loan (203k / HomeStyle)
    • Real estate investor
    • HELOC
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100534293), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2013 (per Florida records)
  16. 16

    Court CrofootNMLS 200175

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 11 states

    • Renovation loan (203k / HomeStyle)
    • Co-op
    • Condo
    • Construction loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100044051), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2013 (per Colorado records)
  17. 17

    Roy MonteroNMLS 351403

    CrossCountry Mortgage · Honolulu, HI · licensed in 11 states

    • Renovation loan (203k / HomeStyle)
    • Manufactured home
    • Jumbo loan
    • USDA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100500425), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2015 (per Colorado records)
  18. 18

    Greg FearnleyNMLS 2643728

    CrossCountry Mortgage · Tampa, FL · licensed in 26 states

    • Renovation loan (203k / HomeStyle)
    • Real estate investor
    • VA loan
    • First-time buyer
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100543732), verified 2026-10-10
    • 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. 19

    Rodney MasonNMLS 151088

    CrossCountry Mortgage · Atlanta, GA · licensed in 11 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • Jumbo loan
    • Non-QM loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100538452), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
  20. 20

    Larry JohnsonNMLS 489091

    CrossCountry Mortgage · San Juan, PR · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • VA loan
    • FHA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100539100), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Florida records)
  21. 21

    Lindsay WitterNMLS 700709

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

    • Renovation loan (203k / HomeStyle)
    • Condo
    • Down payment assistance
    • FHA loan
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100502629), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Colorado records)
  22. 22

    Tim PowellNMLS 136749

    Churchill Mortgage · Decatur, IN · licensed in 29 states

    • Renovation loan (203k / HomeStyle)
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100525690), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
  23. 23

    Tina ClarkNMLS 413597

    Guild Mortgage · Scottsdale, AZ · licensed in 26 states

    • Renovation loan (203k / HomeStyle)
    • CO 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)
  24. 24

    Damon LaylockNMLS 973325

    CrossCountry Mortgage · Melville, NY · licensed in 17 states

    • Renovation loan (203k / HomeStyle)
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100521516), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
  25. 25

    Patton GadeNMLS 1243024

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 41 states

    • Renovation loan (203k / HomeStyle)
    • VA loan
    • First-time buyer
    • ✓Licensed in CO: confirmed with the Colorado regulator (license 100527708), verified 2026-10-10
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Colorado records)

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