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Loan programs · Florida

Renovation loan officers in Florida

As of 2026-10-09, LenDb lists 37 loan officers licensed in or based in Florida whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Mark Minadeo (Acrisure Mortgage (formerly FBC Mortgage), Coconut Creek), Ed Ross (Acrisure Mortgage (formerly FBC Mortgage), Orlando) and Dianne Perkins (Embrace Home Loans, Inverness). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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

    Mark MinadeoNMLS 330121

    Acrisure Mortgage (formerly FBC Mortgage) · Coconut Creek, FL · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Foreign national
    • New construction
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 15 years licensed
  2. 2

    Ed RossNMLS 319652

    Acrisure Mortgage (formerly FBC Mortgage) · Orlando, FL

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 15 years licensed
  3. 3

    Dianne PerkinsNMLS 1410743

    Embrace Home Loans · Inverness, FL · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 9 years licensed
  4. 4

    David G BoltonNMLS 786184

    CrossCountry Mortgage · Tampa, FL

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • Jumbo loan
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 13 years licensed
  5. 5

    Rene GonzalezNMLS 62315

    Fairway Independent Mortgage Corporation · Freeport, NY · licensed in 5 states

    • Renovation loan (203k / HomeStyle)
    • Reverse mortgage
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Wesley GrahamNMLS 465717

    CrossCountry Mortgage · Delray Beach, FL

    • Renovation loan (203k / HomeStyle)
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 5 years licensed
  7. 7

    Shameika HuffNMLS 1722170

    Embrace Home Loans · Tampa, FL

    • Renovation loan (203k / HomeStyle)
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 5 years licensed
  8. 8

    Zach SchwartzNMLS 894131

    LeaderOne Financial · Oak Brook, IL · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • Down payment assistance
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 13 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Todd FogelNMLS 555332

    CrossCountry Mortgage · Sarasota, FL

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • VA loan
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 7 years licensed
  10. 10

    Roland GomezNMLS 133724

    CrossCountry Mortgage · Orland Park, IL · licensed in 5 states

    • Renovation loan (203k / HomeStyle)
    • VA loan
    • Condo
    • Non-QM loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Gilbert SalazarNMLS 344711

    Guild Mortgage · Irvine, CA · licensed in 7 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Maria RedenteNMLS 117367

    Total Mortgage Services · Ashland City, TN · licensed in 2 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Jumbo loan
    • Reverse mortgage
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 11 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Chris MartoranoNMLS 130044

    Guild Mortgage · Chicago, IL · licensed in 10 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    Carl MelbyNMLS 201079

    Guild Mortgage · Aurora, IL · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Matt MierasNMLS 245686

    Guild Mortgage · Charleston, SC · licensed in 8 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Cassandra BajakNMLS 304653

    Guild Mortgage · Aurora, IL · licensed in 5 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Jumbo loan
    • Recent credit event
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Chris DahlgaardNMLS 337672

    CrossCountry Mortgage · Tampa, FL · licensed in 10 states

    • Renovation loan (203k / HomeStyle)
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 15 years licensed
  18. 18

    Ariana HolnessNMLS 2585230

    Loan Factory · Florida

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • First-time buyer
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 1 years licensed
  19. 19

    Terry T. TerzakisNMLS 110369

    Homestead Funding · North Haven, CT · licensed in 12 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Jumbo loan
    • USDA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Kelly TaylorNMLS 316993

    Acrisure Mortgage (formerly FBC Mortgage) · Orlando, FL

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • FHA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 15 years licensed
  21. 21

    John SchwabNMLS 223945

    Guild Mortgage · Aurora, IL · licensed in 10 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Lourdes AlonsoNMLS 323182

    Highlands Residential Mortgage · Coral Gables, FL

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 15 years licensed
  23. 23

    Quentin HardyNMLS 420639

    CrossCountry Mortgage · Charlotte, NC

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • HELOC
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Sandy DavisNMLS 172843

    CrossCountry Mortgage · Aventura, FL · licensed in 4 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • Branch in Florida
    • 13 years licensed
  25. 25

    Scott EisgrauNMLS 139186

    Atlantic Coast Mortgage · Owings Mills, MD · licensed in 6 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Jumbo loan
    • Reverse mortgage
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in FL (state license, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb

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 must be licensed in FL or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=renovation&state=FL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.