--- canonical_url: https://lendb.ai/s/renovation/iowa last_verified: 2026-10-11 --- # Renovation loan officers in Iowa As of 2026-10-11, 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. ## Ranked, with reasons 1. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 13, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 2. **[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) - Office in Waterloo, IA - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 11, 2019 (Florida), per state regulator - States 14 years of experience (lender page, 2026-10-09) 3. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 31, 2023 (Colorado), per state regulator - States 12 years of experience (lender page, 2026-10-09) 4. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 13, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-10) 5. **[Adam Miller](https://lendb.ai/lo/adam-miller-221065)** (NMLS 221065), LeaderOne Financial, Oak Brook, IL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 3, 2017 (Florida), per state regulator 6. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 11, 2017 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 7. **[Matthew Brown](https://lendb.ai/lo/matthew-brown-1254520)** (NMLS 1254520), Loan Factory, Austin, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 5, 2016 (Florida), per state regulator 8. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 15, 2026 (Colorado), per state regulator 9. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Greg Fearnley](https://lendb.ai/lo/gregory-fearnley-2643728)** (NMLS 2643728), CrossCountry Mortgage, Tampa, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 8, 2025 (Florida), per state regulator - States 11 years of experience (lender page, 2026-10-09) 11. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 25, 2016 (Colorado), per state regulator 12. **[Tim Powell](https://lendb.ai/lo/timothy-powell-136749)** (NMLS 136749), Churchill Mortgage, Decatur, IN - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 27, 2018 (Florida), per state regulator 13. **[Todd Nunis](https://lendb.ai/lo/roy-nunis-134294)** (NMLS 134294), Guild Mortgage, Colleyville, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 10, 2012 (Florida), per state regulator 14. **[Michael Chiodo](https://lendb.ai/lo/michael-chiodo-378308)** (NMLS 378308), CrossCountry Mortgage, Austin, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 3, 2020 (Florida), per state regulator 15. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 7, 2021 (Colorado), per state regulator 16. **[Desiree' Byrne](https://lendb.ai/lo/desiree-byrne-2122934)** (NMLS 2122934), Xpert Home Lending - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 21, 2021 (Colorado), per state regulator 17. **[Kelly Hagler](https://lendb.ai/lo/kelly-hagler-583063)** (NMLS 583063), CMG Home Loans, Napa , CA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-11) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Alicia Norwood](https://lendb.ai/lo/alicia-norwood-1440209)** (NMLS 1440209), CrossCountry Mortgage, Charlotte, NC - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 18, 2020 (Colorado), per state regulator 20. **[Josh Moody](https://lendb.ai/lo/joshua-moody-139695)** (NMLS 139695), Highlands Residential Mortgage, Allen, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 14, 2021 (Colorado), per state regulator ## 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/iowa. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._