--- canonical_url: https://lendb.ai/s/renovation/delaware last_verified: 2026-10-11 --- # Renovation loan officers in Delaware As of 2026-10-11, LenDb lists 23 loan officers licensed in or based in Delaware whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Scott Lacey (Guild Mortgage, Lincoln), Joan Kofsky (CrossCountry Mortgage, Wayne) and Ed Fallon (CrossCountry Mortgage, Philadelphia). Ranking is lender-neutral: specialty evidence first, then a license in DE, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 5, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 2. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 19, 2017 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 3. **[Ed Fallon](https://lendb.ai/lo/edward-fallon-144708)** (NMLS 144708), CrossCountry Mortgage, Philadelphia, PA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 20, 2014 (Florida), per state regulator 4. **[Mark Minadeo](https://lendb.ai/lo/mark-minadeo-330121)** (NMLS 330121), Acrisure Mortgage (formerly FBC Mortgage), Coconut Creek, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 13, 2010 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-09) 5. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 14, 2017 (Florida), per state regulator 6. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 3, 2021 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 7. **[Amy Altenburg](https://lendb.ai/lo/amy-altenburg-820600)** (NMLS 820600), Southern Trust Mortgage, Annapolis, MD - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 26, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 8. **[Brad Zerbe](https://lendb.ai/lo/bradley-zerbe-161236)** (NMLS 161236), NFM Lending, Haddonfield, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 28, 2025 (Florida), per state regulator 9. **[Tammi Printz](https://lendb.ai/lo/tammi-printz-455836)** (NMLS 455836), First Home Mortgage, Annapolis, MD - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 4, 2022 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 11. **[Ray Trolan](https://lendb.ai/lo/raymond-trolan-459769)** (NMLS 459769), First Heritage Mortgage - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 11, 2023 (Florida), per state regulator 12. **[Aaron Jacobson](https://lendb.ai/lo/aaron-jacobson-1329933)** (NMLS 1329933), CrossCountry Mortgage, Annapolis, MD - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 27, 2015 (Florida), per state regulator 13. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 27, 2018 (Florida), per state regulator 14. **[Lee Smith](https://lendb.ai/lo/lee-smith-188505)** (NMLS 188505), Fairway Independent Mortgage Corporation, Frederick, MD - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 22, 2017 (Florida), per state regulator 15. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 7, 2021 (Colorado), per state regulator 16. **[David Schley](https://lendb.ai/lo/david-schley-2292691)** (NMLS 2292691), CrossCountry Mortgage, Denville, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 7, 2022 (Florida), per state regulator 17. **[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) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 2, 2021 (Florida), per state regulator 18. **[Ann Blasko](https://lendb.ai/lo/ann-blasko-145516)** (NMLS 145516), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 5, 2024 (Florida), per state regulator 19. **[Chad Freeman](https://lendb.ai/lo/chad-freeman-453581)** (NMLS 453581), CrossCountry Mortgage, North Bethesda, MD - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 26, 2026 (Florida), per state regulator 20. **[Kelly Hagler](https://lendb.ai/lo/kelly-hagler-583063)** (NMLS 583063), CMG Home Loans, Napa , CA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-11) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Alicia Norwood](https://lendb.ai/lo/alicia-norwood-1440209)** (NMLS 1440209), CrossCountry Mortgage, Charlotte, NC - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Dirk Merrill](https://lendb.ai/lo/dirk-merrill-133480)** (NMLS 133480), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Sachaney Mills](https://lendb.ai/lo/sachaney-mills-1655431)** (NMLS 1655431), CrossCountry Mortgage, Philadelphia, PA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/delaware. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._