--- canonical_url: https://lendb.ai/s/renovation/connecticut last_verified: 2026-10-09 --- # Renovation loan officers in Connecticut As of 2026-10-09, LenDb lists 31 loan officers licensed in or based in Connecticut whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Eric Billings (Fairway Independent Mortgage Corporation, Hartford), Trevor McFarland (Guild Mortgage, Worcester) and Rene Gonzalez (Fairway Independent Mortgage Corporation, Freeport). Ranking is lender-neutral: specialty evidence first, then a license in CT, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Eric Billings](https://lendb.ai/lo/eric-billings-98410)** (NMLS 98410), Fairway Independent Mortgage Corporation, Hartford, CT - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Hartford, CT - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 26 years of experience (lender page, 2026-10-09) 2. **[Trevor McFarland](https://lendb.ai/lo/trevor-mcfarland-38803)** (NMLS 38803), Guild Mortgage, Worcester, MA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT 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. **[Rene Gonzalez](https://lendb.ai/lo/rene-gonzalez-62315)** (NMLS 62315), Fairway Independent Mortgage Corporation, Freeport, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 4. **[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) - CT 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) 5. **[Scott Lacey](https://lendb.ai/lo/scott-lacey-8154)** (NMLS 8154), Guild Mortgage, Lincoln, RI - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT 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) 6. **[Charlie Napolitano](https://lendb.ai/lo/charlie-napolitano-155198)** (NMLS 155198), Revolution Mortgage, Westerville, OH - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 7. **[Joan Kofsky](https://lendb.ai/lo/joan-zeruld-kofsky-133361)** (NMLS 133361), CrossCountry Mortgage, Wayne, PA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT 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) 8. **[Derick Andrade](https://lendb.ai/lo/derick-andrade-2051827)** (NMLS 2051827), First Home Mortgage, Seekonk, MA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 12 years of experience (lender page, 2026-10-09) 9. **[Quentin Hardy](https://lendb.ai/lo/quentin-hardy-420639)** (NMLS 420639), CrossCountry Mortgage, Charlotte, NC - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 10. **[Chris Loughlin](https://lendb.ai/lo/christopher-loughlin-1537524)** (NMLS 1537524), First Home Mortgage, Baltimore, MD - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 11. **[Tom Gates](https://lendb.ai/lo/tom-gates-61691)** (NMLS 61691), CrossCountry Mortgage, Montvale, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 12. **[Barry Koven](https://lendb.ai/lo/barry-koven-404510)** (NMLS 404510), CrossCountry Mortgage, Brooklyn, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 13. **[Judelka Diaz](https://lendb.ai/lo/judelka-diaz-2253012)** (NMLS 2253012), Embrace Home Loans, Amityville, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[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) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 11 years of experience (lender page, 2026-10-09) 15. **[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) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 16. **[Erik Johnson](https://lendb.ai/lo/erik-johnson-729262)** (NMLS 729262), CrossCountry Mortgage, White Plains, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 17. **[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) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 18. **[Jennifer Marie Smith](https://lendb.ai/lo/jennifer-smith-1215018)** (NMLS 1215018), CrossCountry Mortgage, Orlando, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 19. **[Patton Gade](https://lendb.ai/lo/patton-gade-1243024)** (NMLS 1243024), CrossCountry Mortgage, Scottsdale, AZ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) 20. **[Josh Numbers](https://lendb.ai/lo/joshua-numbers-218459)** (NMLS 218459), CrossCountry Mortgage, Cleveland, OH - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 21. **[Zak Raffel](https://lendb.ai/lo/zak-raffel-1470292)** (NMLS 1470292), CrossCountry Mortgage, Montvale, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 22. **[Chris Falbo, CRMP, CMA](https://lendb.ai/lo/christopher-falbo-2224020)** (NMLS 2224020), CrossCountry Mortgage, Beverly, MA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 23. **[Amy James](https://lendb.ai/lo/amy-james-2088909)** (NMLS 2088909), CrossCountry Mortgage, Fort Walton Beach, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 24. **[Etienne Bernstein](https://lendb.ai/lo/etienne-bernstein-165961)** (NMLS 165961), CrossCountry Mortgage, Brooklyn, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Alyssa Caliendo](https://lendb.ai/lo/alyssa-caliendo-1849915)** (NMLS 1849915), CrossCountry Mortgage, San Diego, CA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - CT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida 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/connecticut. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._