{ "canonical_url": "https://lendb.ai/s/renovation/maine", "summary": "As of 2026-10-09, LenDb lists 16 loan officers licensed in or based in Maine whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Trevor McFarland (Guild Mortgage, Worcester), Sandee Lutz (CrossCountry Mortgage, Romeo) and Scott Lacey (Guild Mortgage, Lincoln). Ranking is lender-neutral: specialty evidence first, then a license in ME, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "renovation", "state": "ME", "total": 16, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 59.8, "loan_officer": { "nmls_id": 38803, "slug": "trevor-mcfarland-38803", "full_name": "Trevor McFarland", "canonical_url": "https://lendb.ai/lo/trevor-mcfarland-38803", "json_url": "https://lendb.ai/lo/trevor-mcfarland-38803.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Worcester", "state": "MA" }, "licensed_states": [ "FL", "CT", "MA", "ME", "NH", "RI", "SC" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/ma/worcester/trevor-mcfarland-765-rgtmcf.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "ME 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)" ], "canonical_url": "https://lendb.ai/lo/trevor-mcfarland-38803", "license_check": { "state": "ME", "confidence": "lender_reported", "eligible": true, "label": "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/ma/worcester/trevor-mcfarland-765-rgtmcf.html" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 59.8, "loan_officer": { "nmls_id": 533656, "slug": "sandra-lutz-533656", "full_name": "Sandee Lutz", "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656", "json_url": "https://lendb.ai/lo/sandra-lutz-533656.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Romeo", "state": "MI" }, "licensed_states": [ "FL", "AL", "AR", "CA", "CO", "CT", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "ME", "MI", "MN", "MO", "MT", "ND", "OH", "OK", "OR", "SD", "TN", "VA", "WA", "WI", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "ME 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)" ], "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656", "license_check": { "state": "ME", "confidence": "lender_reported", "eligible": true, "label": "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 57.8, "loan_officer": { "nmls_id": 8154, "slug": "scott-lacey-8154", "full_name": "Scott Lacey", "canonical_url": "https://lendb.ai/lo/scott-lacey-8154", "json_url": "https://lendb.ai/lo/scott-lacey-8154.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Lincoln", "state": "RI" }, "licensed_states": [ "FL", "PA", "AL", "CT", "DC", "DE", "GA", "IN", "KY", "MA", "MD", "ME", "MI", "MS", "NC", "NH", "NJ", "RI", "SC", "TN", "VA", "VT" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/ri/lincoln/scott-lacey-522-rgsla.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "ME 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)" ], "canonical_url": "https://lendb.ai/lo/scott-lacey-8154", "license_check": { "state": "ME", "confidence": "lender_reported", "eligible": true, "label": "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/ri/lincoln/scott-lacey-522-rgsla.html" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 56, "loan_officer": { "nmls_id": 155198, "slug": "charlie-napolitano-155198", "full_name": "Charlie Napolitano", "canonical_url": "https://lendb.ai/lo/charlie-napolitano-155198", "json_url": "https://lendb.ai/lo/charlie-napolitano-155198.json", "lender": { "nmls_id": 1686046, "name": "Revolution Mortgage", "canonical_url": "https://lendb.ai/lender/revolution-mortgage-1686046", "type": "imb" }, "branch": { "city": "Westerville", "state": "OH" }, "licensed_states": [ "CT", "ME", "NH" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://www.revolutionmortgage.com/loan-officer/155198", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/charlie-napolitano-155198", "license_check": { "state": "ME", "confidence": "lender_reported", "eligible": true, "label": "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/charlie-napolitano-155198" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 54.8, "loan_officer": { "nmls_id": 1181982, "slug": "sara-wescott-1181982", "full_name": "Sara Wescott", "canonical_url": "https://lendb.ai/lo/sara-wescott-1181982", "json_url": "https://lendb.ai/lo/sara-wescott-1181982.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "South Portland", "state": "ME" }, "licensed_states": [ "FL", "MA", "ME", "NH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/south-portland-me-3182/sara-wescott/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in South Portland, ME", "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sara-wescott-1181982", "license_check": { "state": "ME", "confidence": "lender_reported", "eligible": true, "label": "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/south-portland-me-3182/sara-wescott/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 51.8, "loan_officer": { "nmls_id": 337672, "slug": "eric-dahlgaard-337672", "full_name": "Chris Dahlgaard", "canonical_url": "https://lendb.ai/lo/eric-dahlgaard-337672", "json_url": "https://lendb.ai/lo/eric-dahlgaard-337672.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Tampa", "state": "FL" }, "licensed_states": [ "FL", "CA", "GA", "IL", "MD", "ME", "NH", "PA", "SC", "VA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-8265/eric-dahlgaard/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2011 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/eric-dahlgaard-337672", "license_check": { "state": "ME", "confidence": "lender_reported", "eligible": true, "label": "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/tampa-fl-8265/eric-dahlgaard/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 51.8, "loan_officer": { "nmls_id": 706769, "slug": "leo-turco-706769", "full_name": "Leo Turco", "canonical_url": "https://lendb.ai/lo/leo-turco-706769", "json_url": "https://lendb.ai/lo/leo-turco-706769.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Topsfield", "state": "MA" }, "licensed_states": [ "FL", "MA", "ME", "NH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/topsfield-ma-4754/leo-turco/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/leo-turco-706769", "license_check": { "state": "ME", "confidence": "lender_reported", "eligible": true, "label": "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/topsfield-ma-4754/leo-turco/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 51.8, "loan_officer": { "nmls_id": 1254520, "slug": "matthew-brown-1254520", "full_name": "Matthew Brown", "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520", "json_url": "https://lendb.ai/lo/matthew-brown-1254520.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": "Austin", "state": "TX" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "GA", "IA", "IL", "KS", "KY", "LA", "MD", "ME", "MI", "MN", "MO", "NC", "NH", "NM", "NV", "OH", "OK", "OR", "TN", "TX", "UT", "VA", "VT", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/matthew-brown-1254520", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2016 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520", "license_check": { "state": "ME", "confidence": "lender_reported", "eligible": true, "label": "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/matthew-brown-1254520" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 48.3, "loan_officer": { "nmls_id": 1216345, "slug": "erik-ferm-1216345", "full_name": "Erik Ferm", "canonical_url": "https://lendb.ai/lo/erik-ferm-1216345", "json_url": "https://lendb.ai/lo/erik-ferm-1216345.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Norwell", "state": "MA" }, "licensed_states": [ "MA", "ME", "NH" ], "licenses": [ { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 13, "lender_profile_url": "https://crosscountrymortgage.com/norwell-ma-4814/erik-ferm/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "ME listed on their lender page (not yet checked with the state regulator; 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