--- canonical_url: https://lendb.ai/s/renovation/district-of-columbia last_verified: 2026-10-11 --- # Renovation loan officers in District of Columbia As of 2026-10-11, LenDb lists 21 loan officers licensed in or based in District of Columbia whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are James F. Gaudiosi (Atlantic Coast Mortgage, Fairfax), Scott Lacey (Guild Mortgage, Lincoln) and Adam Backes (CMG Home Loans, Annapolis). Ranking is lender-neutral: specialty evidence first, then a license in DC, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[James F. Gaudiosi](https://lendb.ai/lo/james-f-gaudiosi-474088)** (NMLS 474088), Atlantic Coast Mortgage, Fairfax, VA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-09) 2. **[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) - DC 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) 3. **[Adam Backes](https://lendb.ai/lo/adam-backes-653829)** (NMLS 653829), CMG Home Loans, Annapolis, MD - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-11) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 28, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-11) 4. **[Bryan Sumardi](https://lendb.ai/lo/bryan-sumardi-1984869)** (NMLS 1984869), CrossCountry Mortgage, North Bethesda, MD - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 13, 2020 (Florida), per state regulator 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) - DC 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. **[Vince Curcio](https://lendb.ai/lo/vincent-curcio-102096)** (NMLS 102096), First Heritage Mortgage - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 27, 2021 (Florida), per state regulator 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) - DC 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. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[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) - DC 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) 10. **[Chris Norwood](https://lendb.ai/lo/chris-norwood-248771)** (NMLS 248771), TowneBank Mortgage, Chesterfield, VA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 8, 2025 (Florida), per state regulator - States 11 years of experience (lender page, 2026-10-09) 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) - DC 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. **[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) - DC 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 14. **[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) - DC 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 15. **[JJ Ellong](https://lendb.ai/lo/jean-jacques-ellong-660192)** (NMLS 660192), CrossCountry Mortgage, Orlando, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 25, 2022 (Florida), per state regulator 16. **[Peter A. Brock II, MBA](https://lendb.ai/lo/peter-brock-905596)** (NMLS 905596), CrossCountry Mortgage, Greenville, SC - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 29, 2025 (Florida), per state regulator 17. **[Patrick Cunningham](https://lendb.ai/lo/patrick-cunningham-192864)** (NMLS 192864), CrossCountry Mortgage, Fairfax, VA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 19, 2026 (Florida), per state regulator 18. **[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) - DC 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 19. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Eliel Banegas](https://lendb.ai/lo/eliel-banegas-1967263)** (NMLS 1967263), American Pacific Mortgage, Gaithersburg, MD - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Paul Denmon](https://lendb.ai/lo/paul-denmon-280766)** (NMLS 280766), First Heritage Mortgage - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - DC 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/district-of-columbia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._