Loan programs · Maryland
Renovation loan officers in Maryland
As of 2026-10-09, LenDb lists 53 loan officers licensed in or based in Maryland whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are James F. Gaudiosi (Atlantic Coast Mortgage, Fairfax), Scott Lacey (Guild Mortgage, Lincoln) and Joan Kofsky (CrossCountry Mortgage, Wayne). Ranking is lender-neutral: specialty evidence first, then a license in MD, 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
James F. GaudiosiNMLS 474088
Atlantic Coast Mortgage · Fairfax, VA · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- VA loan
- MD 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)
- States 23 years of experience (lender page, 2026-10-09)
- 2
Scott LaceyNMLS 8154
Guild Mortgage · Lincoln, RI · licensed in 22 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- MD 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)
- 3
Joan KofskyNMLS 133361
CrossCountry Mortgage · Wayne, PA · licensed in 7 states
- Renovation loan (203k / HomeStyle)
- Real estate investor
- First-time buyer
- MD 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)
- States 25 years of experience (lender page, 2026-10-09)
- 4
Bryan SumardiNMLS 1984869
CrossCountry Mortgage · North Bethesda, MD · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Real estate investor
- VA loan
- First-time buyer
- MD 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 North Bethesda, MD
- Licensed since 2020 (per Florida records)
- 5
Chris LoughlinNMLS 1537524
First Home Mortgage · Baltimore, MD · licensed in 18 states
- Renovation loan (203k / HomeStyle)
- MD 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 Baltimore, MD
- Licensed since 2017 (per Florida records)
- 6
Susan van de PollNMLS 831038
Xpert Home Lending · Mortgage broker · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Real estate investor
- First-time buyer
- MD 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 2006 (per Colorado records)
- 7
Amy AltenburgNMLS 820600
Southern Trust Mortgage · Annapolis, MD · licensed in 7 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- USDA loan
- VA loan
- MD 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 Annapolis, MD
- Licensed since 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 8
Daniel SolisNMLS 1407785
CrossCountry Mortgage · Midlothian, VA · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- VA loan
- MD 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 2019 (per Florida records)
- 9
Tammi PrintzNMLS 455836
First Home Mortgage · Annapolis, MD · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- MD 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 Annapolis, MD
- 10
Marc SilvermanNMLS 128534
CrossCountry Mortgage · Plymouth Meeting, PA · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- VA loan
- FHA loan
- MD 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 Florida records)
- States 34 years of experience (lender page, 2026-10-09)
- 11
Matt MierasNMLS 245686
Guild Mortgage · Charleston, SC · licensed in 8 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Jumbo loan
- USDA loan
- MD 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)
- States 23 years of experience (lender page, 2026-10-09)
- 12
Dan LarkinNMLS 258898
LeaderOne Financial · Oak Brook, IL · licensed in 18 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Real estate investor
- Construction loan
- MD 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)
- States 25 years of experience (lender page, 2026-10-09)
- 13
Chris DahlgaardNMLS 337672
CrossCountry Mortgage · Tampa, FL · licensed in 10 states
- Renovation loan (203k / HomeStyle)
- MD 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 2011 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 14
Matthew BrownNMLS 1254520
Loan Factory · Mortgage broker · Austin, TX · licensed in 28 states
- Renovation loan (203k / HomeStyle)
- MD 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)
- 15
Scott EisgrauNMLS 139186
Atlantic Coast Mortgage · Owings Mills, MD · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- MD 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 Owings Mills, MD
- Licensed since 2026 (per Florida records)
- 16
Vince CurcioNMLS 102096
First Heritage Mortgage · licensed in 8 states
- Renovation loan (203k / HomeStyle)
- Condo
- Construction loan
- MD 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 Florida records)
- 17
Marilyn MikanNMLS 589352
Southern Trust Mortgage · Fayetteville, NC · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- MD 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)
- States 25 years of experience (lender page, 2026-10-09)
- 18
Jeanne BidwellNMLS 313615
First Heritage Mortgage · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- VA loan
- New construction
- MD 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 Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 19
Brad ZerbeNMLS 161236
NFM Lending · Haddonfield, NJ · licensed in 7 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- USDA loan
- MD 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)
- 20
Fabiano OlmoNMLS 2760701
CrossCountry Mortgage · Cleveland, OH · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- MD 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)
- 21
Aaron JacobsonNMLS 1329933
CrossCountry Mortgage · Annapolis, MD · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- VA loan
- MD 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 Annapolis, MD
- Licensed since 2015 (per Florida records)
- 22
Nathan FitzgeraldNMLS 369554
CrossCountry Mortgage · Orlando, FL · licensed in 15 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- VA loan
- HELOC
- MD 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 2022 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 23
Lee SmithNMLS 188505
Fairway Independent Mortgage Corporation · Frederick, MD · licensed in 9 states
- Renovation loan (203k / HomeStyle)
- MD 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 Frederick, MD
- Licensed since 2017 (per Florida records)
- 24
Ray TrolanNMLS 459769
First Heritage Mortgage · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- MD 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 Florida records)
- 25
Chris NorwoodNMLS 248771
TowneBank Mortgage · Bank · Chesterfield, VA · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Construction loan
- FHA loan
- MD 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)
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 MD license is confirmed with the state regulator (check mark), MD 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=MD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.