---
canonical_url: https://lendb.ai/s/renovation/hawaii
last_verified: 2026-10-09
---

# Renovation loan officers in Hawaii

As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in Hawaii whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Michelle Muqtadir (CrossCountry Mortgage, Seattle), Roy Montero (CrossCountry Mortgage, Honolulu) and Tina Clark (Guild Mortgage, Scottsdale). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[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)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Roy Montero](https://lendb.ai/lo/roy-montero-351403)** (NMLS 351403), CrossCountry Mortgage, Honolulu, HI
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - Office in Honolulu, HI
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2015 (per Colorado records)
3. **[Tina Clark](https://lendb.ai/lo/christina-clark-413597)** (NMLS 413597), Guild Mortgage, Scottsdale, AZ
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
4. **[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)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2016 (per Colorado records)
5. **[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)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Colorado records)
6. **[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)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Colorado records)
7. **[Ryan Buckholdt](https://lendb.ai/lo/ryan-buckholdt-319442)** (NMLS 319442), CrossCountry Mortgage, Santa Cruz, CA
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Colorado records)
8. **[Clay Schmeisser](https://lendb.ai/lo/clayton-schmeisser-404275)** (NMLS 404275), CrossCountry Mortgage, Las Vegas, NV
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (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/hawaii.

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