--- canonical_url: https://lendb.ai/s/renovation/colorado last_verified: 2026-10-11 --- # Renovation loan officers in Colorado As of 2026-10-11, 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. ## 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) - Licensed in CO: confirmed with the Colorado regulator (license 100536117), verified 2026-10-10 - Earliest state license record: January 27, 2023 (Florida), per state regulator - 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) - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 13, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 3. **[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) - Licensed in CO: confirmed with the Colorado regulator (license 100537070), verified 2026-10-10 - Earliest state license record: July 31, 2023 (Colorado), per state regulator - States 12 years of experience (lender page, 2026-10-09) 4. **[Susan van de Poll](https://lendb.ai/lo/susan-van-de-poll-831038)** (NMLS 831038), Xpert Home Lending - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100008071), verified 2026-10-10 - Earliest state license record: November 1, 2006 (Colorado), per state regulator 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) - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 13, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-10) 6. **[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) - Licensed in CO: confirmed with the Colorado regulator (license 100517687), verified 2026-10-10 - Earliest state license record: May 11, 2017 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 7. **[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) - Licensed in CO: confirmed with the Colorado regulator (license 100524008), verified 2026-10-10 - Earliest state license record: July 23, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 8. **[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) - Licensed in CO: confirmed with the Colorado regulator (license 100544968), verified 2026-10-10 - Earliest state license record: June 21, 2023 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 9. **[Philip Cyza](https://lendb.ai/lo/philip-cyza-1737448)** (NMLS 1737448), Newrez, Columbia, MD - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100512009), verified 2026-10-10 - Earliest state license record: June 26, 2018 (Florida), per state regulator 10. **[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) - Licensed in CO: confirmed with the Colorado regulator (license 100515194), verified 2026-10-10 - Earliest state license record: May 8, 2018 (Florida), per state regulator - States 17 years of experience (lender page, 2026-10-09) 11. **[Nathan Julius](https://lendb.ai/lo/nathan-julius-2613390)** (NMLS 2613390), Churchill Mortgage, Delafield, WI - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100545096), verified 2026-10-10 - Earliest state license record: April 14, 2026 (Colorado), per state regulator 12. **[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) - Licensed in CO: confirmed with the Colorado regulator (license 100544187), verified 2026-10-10 - Earliest state license record: January 15, 2026 (Colorado), per state regulator 13. **[Theresa Donohue](https://lendb.ai/lo/theresa-donohue-238591)** (NMLS 238591), Newrez, Yelm, WA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100542776), verified 2026-10-10 - Earliest state license record: August 11, 2022 (Florida), per state regulator 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) - CO 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. **[Joe Manglardi](https://lendb.ai/lo/joseph-manglardi-1128287)** (NMLS 1128287), CrossCountry Mortgage, Tampa, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100534293), verified 2026-10-10 - Earliest state license record: December 16, 2013 (Florida), per state regulator 16. **[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) - Licensed in CO: confirmed with the Colorado regulator (license 100044051), verified 2026-10-10 - Earliest state license record: May 22, 2013 (Colorado), per state regulator 17. **[Roy Montero](https://lendb.ai/lo/roy-montero-351403)** (NMLS 351403), CrossCountry Mortgage, Honolulu, HI - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100500425), verified 2026-10-10 - Earliest state license record: September 18, 2015 (Colorado), per state regulator 18. **[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) - Licensed in CO: confirmed with the Colorado regulator (license 100543732), verified 2026-10-10 - Earliest state license record: January 8, 2025 (Florida), per state regulator - States 11 years of experience (lender page, 2026-10-09) 19. **[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) - Licensed in CO: confirmed with the Colorado regulator (license 100538452), verified 2026-10-10 - Earliest state license record: September 15, 2017 (Florida), per state regulator 20. **[Larry Johnson](https://lendb.ai/lo/lawrence-johnson-489091)** (NMLS 489091), CrossCountry Mortgage, San Juan, PR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100539100), verified 2026-10-10 - Earliest state license record: June 10, 2016 (Florida), per state regulator 21. **[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) - Licensed in CO: confirmed with the Colorado regulator (license 100502629), verified 2026-10-10 - Earliest state license record: May 25, 2016 (Colorado), per state regulator 22. **[Tim Powell](https://lendb.ai/lo/timothy-powell-136749)** (NMLS 136749), Churchill Mortgage, Decatur, IN - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100525690), verified 2026-10-10 - Earliest state license record: November 27, 2018 (Florida), per state regulator 23. **[Dennis Vo](https://lendb.ai/lo/dennis-vo-202984)** (NMLS 202984), CMG Home Loans, Miami, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-11) - Licensed in CO: confirmed with the Colorado regulator (license 100545776), verified 2026-10-10 - Earliest state license record: March 5, 2018 (Florida), per state regulator 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) - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Damon Laylock](https://lendb.ai/lo/damon-laylock-973325)** (NMLS 973325), CrossCountry Mortgage, Melville, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100521516), verified 2026-10-10 - Earliest state license record: November 1, 2019 (Florida), per state regulator ## 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/colorado. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._