Loan programs · Iowa
Renovation loan officers in Iowa
As of 2026-10-09, LenDb lists 20 loan officers licensed in or based in Iowa whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Sandee Lutz (CrossCountry Mortgage, Romeo), John Higdon (Guild Mortgage, Waterloo) and Evan Luchaco (Churchill Mortgage, Portland). Ranking is lender-neutral: specialty evidence first, then a license in IA, 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 20
- 1
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
John HigdonNMLS 929683
Guild Mortgage · Waterloo, IA · licensed in 8 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- First-time buyer
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Office in Waterloo, IA
- Licensed since 2019 (per Florida records)
- States 14 years of experience (lender page, 2026-10-09)
- 3
Evan LuchacoNMLS 887608
Churchill Mortgage · Portland, OR · licensed in 12 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Self-employed
- VA loan
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Colorado records)
- States 12 years of experience (lender page, 2026-10-09)
- 4
Matthew BrownNMLS 1254520
Loan Factory · Mortgage broker · Austin, TX · licensed in 28 states
- Renovation loan (203k / HomeStyle)
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Florida records)
- 5
Fabiano OlmoNMLS 2760701
CrossCountry Mortgage · Cleveland, OH · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- 6
Adam MillerNMLS 221065
LeaderOne Financial · Oak Brook, IL · licensed in 13 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- First-time buyer
- Real estate investor
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- 7
Tina ClarkNMLS 413597
Guild Mortgage · Scottsdale, AZ · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- 8
Greg FearnleyNMLS 2643728
CrossCountry Mortgage · Tampa, FL · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- Real estate investor
- VA loan
- First-time buyer
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 11 years of experience (lender page, 2026-10-09)
- 9
Jeff HammelNMLS 162437
Ruoff Mortgage · licensed in 17 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- HELOC
- VA loan
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 32 years of experience (lender page, 2026-10-09)
- 10
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Renovation loan (203k / HomeStyle)
- Condo
- Down payment assistance
- FHA loan
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Colorado records)
- 11
Todd NunisNMLS 134294
Guild Mortgage · Colleyville, TX · licensed in 32 states
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- 12
Michael ChiodoNMLS 378308
CrossCountry Mortgage · Austin, TX · licensed in 8 states
- Renovation loan (203k / HomeStyle)
- VA loan
- FHA loan
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- 13
Patton GadeNMLS 1243024
CrossCountry Mortgage · Scottsdale, AZ · licensed in 41 states
- Renovation loan (203k / HomeStyle)
- VA loan
- First-time buyer
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Colorado records)
- 14
Alicia NorwoodNMLS 1440209
CrossCountry Mortgage · Charlotte, NC · licensed in 14 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Down payment assistance
- First-time buyer
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- 15
Desiree' ByrneNMLS 2122934
Xpert Home Lending · Mortgage broker · licensed in 16 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Colorado records)
- 16
Tim PowellNMLS 136749
Churchill Mortgage · Decatur, IN · licensed in 29 states
- Renovation loan (203k / HomeStyle)
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- 17
Manen PanNMLS 1006352
First Citizens Bank · Bank · Pasadena, CA · licensed in 32 states
- Renovation loan (203k / HomeStyle)
- Real estate investor
- Construction loan
- Down payment assistance
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- 18
Teyona StewartNMLS 2215853
First Citizens Bank · Bank · La Jolla, CA · licensed in 35 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Down payment assistance
- FHA loan
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- 19
Chris MillerNMLS 891520
Xpert Home Lending · Mortgage broker · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- Jumbo loan
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- 20
Jett MillerNMLS 1706745
Guild Mortgage · Las Vegas, NV · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Colorado records)
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 are listed when a IA license is confirmed with the state regulator (check mark), IA is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) 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=IA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.