--- canonical_url: https://lendb.ai/s/renovation/idaho last_verified: 2026-10-09 --- # Renovation loan officers in Idaho As of 2026-10-09, LenDb lists 26 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), Michelle Muqtadir (CrossCountry Mortgage, Seattle) and Sandee Lutz (CrossCountry Mortgage, Romeo). Ranking is lender-neutral: specialty evidence first, then a license in ID, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Robert Hall](https://lendb.ai/lo/robert-hall-41584)** (NMLS 41584), Churchill Mortgage, Nampa, ID - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Nampa, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 2. **[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) - ID 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) 3. **[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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) - States 12 years of experience (lender page, 2026-10-09) 5. **[Heidi Green](https://lendb.ai/lo/heidi-green-344768)** (NMLS 344768), CrossCountry Mortgage, Seattle, WA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 6. **[Martin Metzdorf](https://lendb.ai/lo/martin-metzdorf-387719)** (NMLS 387719), CrossCountry Mortgage, Gilbert, AZ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 7. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 8. **[Jason Cota](https://lendb.ai/lo/jason-cota-232220)** (NMLS 232220), CrossCountry Mortgage, Winter Park, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 9. **[Fabiano Olmo](https://lendb.ai/lo/fabiano-goncalves-da-costa-olmo-2760701)** (NMLS 2760701), CrossCountry Mortgage, Cleveland, OH - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Colorado records) 10. **[Jared Evenson](https://lendb.ai/lo/jared-evenson-104085)** (NMLS 104085), CrossCountry Mortgage, Spokane Valley, WA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 11. **[Tara Nicole Gonzalez](https://lendb.ai/lo/tara-gonzalez-1591964)** (NMLS 1591964), Guild Mortgage, Elko, NV - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 14 years of experience (lender page, 2026-10-09) 12. **[Dominique Love](https://lendb.ai/lo/dominique-love-5953)** (NMLS 5953), American Pacific Mortgage, Garden City, ID - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Garden City, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Colorado records) 15. **[Bill Young](https://lendb.ai/lo/bill-young-66330)** (NMLS 66330), American Pacific Mortgage, Bellingham, WA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 17. **[Amy Herber](https://lendb.ai/lo/amy-herber-880954)** (NMLS 880954), American Pacific Mortgage, Eagle, ID - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Eagle, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) 18. **[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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) 19. **[Leon L. Baker](https://lendb.ai/lo/leon-l-baker-103195)** (NMLS 103195), Guild Mortgage, Nampa, ID - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Nampa, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) 21. **[Derek Bickel](https://lendb.ai/lo/derek-bickel-403845)** (NMLS 403845), CrossCountry Mortgage, Bend, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 22. **[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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 23. **[Tyler Winegar](https://lendb.ai/lo/tyler-winegar-1992601)** (NMLS 1992601), CrossCountry Mortgage, South Jordan, UT - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[Traci Putnam](https://lendb.ai/lo/traci-putnam-111736)** (NMLS 111736), CrossCountry Mortgage, Salem, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Jett Miller](https://lendb.ai/lo/jett-miller-1706745)** (NMLS 1706745), Guild Mortgage, Las Vegas, NV - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (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/idaho. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._