Loan programs · Idaho
Renovation loan officers in Idaho
As of 2026-10-09, LenDb lists 40 loan officers licensed in or based in Idaho whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Robert Hall (Churchill Mortgage, Nampa), Sandee Lutz (CrossCountry Mortgage, Romeo) and Michelle Muqtadir (CrossCountry Mortgage, Seattle). Ranking is lender-neutral: specialty evidence first, then a license in ID, 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
Robert HallNMLS 41584
Churchill Mortgage · Nampa, ID
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- VA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 20 years experience (stated on lender page, 2026-10-09)
- 2
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 6 years licensed
- 3
Michelle MuqtadirNMLS 143470
CrossCountry Mortgage · Seattle, WA · licensed in 11 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- Low credit score
- FHA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 3 years licensed
- 4
Christine ReinoNMLS 896237
Churchill Mortgage · McCall, ID · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- HELOC
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 0 years licensed
- 5
Evan LuchacoNMLS 887608
Churchill Mortgage · Portland, OR · licensed in 12 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Self-employed
- VA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 12 years experience (stated on lender page, 2026-10-09)
- 6
Charles StevensonNMLS 694755
Fairway Independent Mortgage Corporation · Garden City, ID
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Real estate investor
- VA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 11 years experience (stated on lender page, 2026-10-09)
- 7
Heidi GreenNMLS 344768
CrossCountry Mortgage · Seattle, WA · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Reverse mortgage
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- 8
Fabiano OlmoNMLS 2760701
CrossCountry Mortgage · Cleveland, OH · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 0 years licensed
- 9
Tina ClarkNMLS 413597
Guild Mortgage · Scottsdale, AZ · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 10
Tara Nicole GonzalezNMLS 1591964
Guild Mortgage · Elko, NV · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- Manufactured home
- Down payment assistance
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 14 years experience (stated on lender page, 2026-10-09)
- 11
Roy MonteroNMLS 351403
CrossCountry Mortgage · Honolulu, HI · licensed in 11 states
- Renovation loan (203k / HomeStyle)
- Manufactured home
- Jumbo loan
- USDA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 9 years licensed
- 12
Dominique LoveNMLS 5953
American Pacific Mortgage · Garden City, ID · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- FHA loan
- VA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 13
Leon L. BakerNMLS 103195
Guild Mortgage · Nampa, ID · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- Down payment assistance
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 14
Jason CotaNMLS 232220
CrossCountry Mortgage · Winter Park, FL · licensed in 13 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- VA loan
- FHA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 15
Emilee BaineNMLS 11160
Fairway Independent Mortgage Corporation · Boise, ID · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- VA loan
- FHA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 16
Brent RoseNMLS 308611
Intercap Lending · Pleasant Grove, UT · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Bank statement loan
- Down payment assistance
- Jumbo loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 14 years licensed
- 17
Patton GadeNMLS 1243024
CrossCountry Mortgage · Scottsdale, AZ · licensed in 41 states
- Renovation loan (203k / HomeStyle)
- VA loan
- First-time buyer
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 4 years licensed
- 18
Ryan BuckholdtNMLS 319442
CrossCountry Mortgage · Santa Cruz, CA · licensed in 11 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- Non-QM loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 4 years licensed
- 19
Derek BickelNMLS 403845
CrossCountry Mortgage · Bend, OR · licensed in 10 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- VA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 3 years licensed
- 20
Clay SchmeisserNMLS 404275
CrossCountry Mortgage · Las Vegas, NV · licensed in 13 states
- Renovation loan (203k / HomeStyle)
- VA loan
- FHA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 3 years licensed
- 21
Bill YoungNMLS 66330
American Pacific Mortgage · Bellingham, WA · licensed in 3 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 ID (listed on lender page, verified 2026-10-09)
- 22
Martin MetzdorfNMLS 387719
CrossCountry Mortgage · Gilbert, AZ · licensed in 10 states
- Renovation loan (203k / HomeStyle)
- Non-QM loan
- Real estate investor
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 1 years licensed
- 23
Joseph AnthonyNMLS 5190
American Pacific Mortgage · Eagle, ID · licensed in 3 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 ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 24
Jane MayNMLS 173614
American Pacific Mortgage · Meridian, ID · licensed in 3 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 ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 25
Shawn DurantNMLS 221971
American Pacific Mortgage · Roseville, CA · licensed in 45 states
- 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 ID (listed on lender page, verified 2026-10-09)
- 2 years licensed
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?
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 ID or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=renovation&state=ID. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.