---
canonical_url: https://lendb.ai/s/renovation/florida
last_verified: 2026-10-10
---

# Renovation loan officers in Florida

As of 2026-10-10, LenDb lists 26 loan officers licensed in or based in Florida whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Todd Fogel (CrossCountry Mortgage, Sarasota), Trevor McFarland (Guild Mortgage, Worcester) and Rene Gonzalez (Fairway Independent Mortgage Corporation, Freeport). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Todd Fogel](https://lendb.ai/lo/todd-fogel-555332)** (NMLS 555332), CrossCountry Mortgage, Sarasota, FL
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Office in Sarasota, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO57654), verified 2026-10-09
   - Licensed since 2018 (per Florida records)
   - States 30 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)
   - Licensed in FL: confirmed with the Florida regulator (license LO67972), verified 2026-10-09
   - 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)
   - Licensed in FL: confirmed with the Florida regulator (license LO25423), verified 2026-10-09
   - Licensed since 2014 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
4. **[Roland Gomez](https://lendb.ai/lo/roland-gomez-133724)** (NMLS 133724), CrossCountry Mortgage, Orland Park, IL
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO22259), verified 2026-10-09
   - Licensed since 2013 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
5. **[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 FL: confirmed with the Florida regulator (license LO117004), verified 2026-10-09
   - Licensed since 2023 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
6. **[Wendy Seagle](https://lendb.ai/lo/wendy-seagle-194641)** (NMLS 194641), CrossCountry Mortgage, Fort Walton Beach, FL
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Office in Fort Walton Beach, FL
   - FL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 35 years of experience (lender page, 2026-10-09)
7. **[David Ischkum](https://lendb.ai/lo/david-ischkum-221466)** (NMLS 221466), CrossCountry Mortgage, Dardenne Prairie, MO
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO65202), verified 2026-10-09
   - Licensed since 2019 (per Florida records)
   - States 21 years of experience (lender page, 2026-10-09)
8. **[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)
   - Licensed in FL: confirmed with the Florida regulator (license LO67899), verified 2026-10-09
   - Licensed since 2020 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
9. **[Charlie Masse](https://lendb.ai/lo/charles-masse-23120)** (NMLS 23120), Total Mortgage Services, Milford, CT
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO128128), verified 2026-10-09
   - Licensed since 2024 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
10. **[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)
   - Office in Coconut Creek, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO673), verified 2026-10-09
   - Licensed since 2010 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
11. **[Wesley Graham](https://lendb.ai/lo/wesley-graham-465717)** (NMLS 465717), CrossCountry Mortgage, Delray Beach, FL
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Office in Delray Beach, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO83049), verified 2026-10-09
   - Licensed since 2021 (per Florida records)
   - States 12 years of experience (lender page, 2026-10-09)
12. **[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)
   - Licensed in FL: confirmed with the Florida regulator (license LO72680), verified 2026-10-09
   - Licensed since 2020 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
13. **[Beverly Liesy](https://lendb.ai/lo/beverly-liesy-241577)** (NMLS 241577), Newrez, Seattle, WA
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO130606), verified 2026-10-09
   - Licensed since 2024 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
14. **[Ed Ross](https://lendb.ai/lo/edward-ross-319652)** (NMLS 319652), Acrisure Mortgage (formerly FBC Mortgage), Orlando, FL
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Office in Orlando, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO238), verified 2026-10-09
   - Licensed since 2010 (per Florida records)
15. **[John Higdon](https://lendb.ai/lo/john-higdon-929683)** (NMLS 929683), Guild Mortgage, Waterloo, IA
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO64821), verified 2026-10-09
   - Licensed since 2019 (per Florida records)
   - States 14 years of experience (lender page, 2026-10-09)
16. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO143003), verified 2026-10-09
   - Licensed since 2025 (per Florida records)
   - States 14 years of experience (lender page, 2026-10-09)
17. **[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)
   - Licensed in FL: confirmed with the Florida regulator (license LO47762), verified 2026-10-09
   - Licensed since 2017 (per Florida records)
   - States 25 years of experience (lender page, 2026-10-09)
18. **[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)
   - Licensed in FL: confirmed with the Florida regulator (license LO77195), verified 2026-10-09
   - Licensed since 2020 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-10)
19. **[Rob Kaiser](https://lendb.ai/lo/robert-kaiser-146468)** (NMLS 146468), CrossCountry Mortgage, Sarasota, FL
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Office in Sarasota, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO140718), verified 2026-10-09
   - Licensed since 2025 (per Florida records)
   - States 22 years of experience (lender page, 2026-10-09)
20. **[Sandy Davis](https://lendb.ai/lo/alessandra-davis-172843)** (NMLS 172843), CrossCountry Mortgage, Aventura, FL
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Office in Aventura, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO19776), verified 2026-10-09
   - Licensed since 2013 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
21. **[Jeffrey Columbia](https://lendb.ai/lo/jeffrey-columbia-327568)** (NMLS 327568), CrossCountry Mortgage, Naples, FL
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Office in Naples, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO25894), verified 2026-10-09
   - Licensed since 2014 (per Florida records)
22. **[Chris Dahlgaard](https://lendb.ai/lo/eric-dahlgaard-337672)** (NMLS 337672), CrossCountry Mortgage, Tampa, FL
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Office in Tampa, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO9977), verified 2026-10-09
   - Licensed since 2011 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
23. **[Juanita Biles](https://lendb.ai/lo/juanita-biles-519964)** (NMLS 519964), Embrace Home Loans, Gainesville, FL
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Office in Gainesville, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO49320), verified 2026-10-09
   - Licensed since 2018 (per Florida records)
   - States 37 years of experience (lender page, 2026-10-09)
24. **[Dustin Swigart](https://lendb.ai/lo/dustin-swigart-681479)** (NMLS 681479), CrossCountry Mortgage, Tampa, FL
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Office in Tampa, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO144228), verified 2026-10-09
   - Licensed since 2026 (per Florida records)
   - States 25 years of experience (lender page, 2026-10-09)
25. **[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 FL: confirmed with the Florida regulator (license LO121260), verified 2026-10-09
   - Licensed since 2006 (per Colorado 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/florida.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._