Loan programs · Minnesota
Renovation loan officers in Minnesota
As of 2026-10-09, LenDb lists 26 loan officers licensed in or based in Minnesota whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Sandee Lutz (CrossCountry Mortgage, Romeo), Gail Vinje (CrossCountry Mortgage, Bloomington) and Candace Cagle (CrossCountry Mortgage, Houston). Ranking is lender-neutral: specialty evidence first, then a license in MN, 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
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- MN 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
Gail VinjeNMLS 335942
CrossCountry Mortgage · Bloomington, MN
- Renovation loan (203k / HomeStyle)
- Construction loan
- First-time buyer
- MN 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 Bloomington, MN
- States 30 years of experience (lender page, 2026-10-09)
- 3
Candace CagleNMLS 878436
CrossCountry Mortgage · Houston, TX · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Construction loan
- Non-QM loan
- MN 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 20 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)
- MN 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
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Renovation loan (203k / HomeStyle)
- Bank statement loan
- Down payment assistance
- DSCR loan
- MN 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)
- States 30 years of experience (lender page, 2026-10-09)
- 6
Fabiano OlmoNMLS 2760701
CrossCountry Mortgage · Cleveland, OH · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- MN 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)
- 7
Tina ClarkNMLS 413597
Guild Mortgage · Scottsdale, AZ · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- MN 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
Roy MonteroNMLS 351403
CrossCountry Mortgage · Honolulu, HI · licensed in 11 states
- Renovation loan (203k / HomeStyle)
- Manufactured home
- Jumbo loan
- USDA loan
- MN 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 2015 (per Colorado records)
- 9
Jeff HammelNMLS 162437
Ruoff Mortgage · licensed in 17 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- HELOC
- VA loan
- MN 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
Nathan JuliusNMLS 2613390
Churchill Mortgage · Delafield, WI · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- First-time buyer
- USDA loan
- MN 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 Colorado records)
- 11
Dawson RosenowNMLS 2248516
CrossCountry Mortgage · White Bear Lake, MN · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Down payment assistance
- Non-QM loan
- MN 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 White Bear Lake, MN
- Licensed since 2025 (per Florida records)
- 12
Todd NunisNMLS 134294
Guild Mortgage · Colleyville, TX · licensed in 32 states
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- MN 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)
- 13
Bart BaxterNMLS 2647593
CrossCountry Mortgage · Oakdale, MN
- Renovation loan (203k / HomeStyle)
- MN 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 Oakdale, MN
- 14
Patton GadeNMLS 1243024
CrossCountry Mortgage · Scottsdale, AZ · licensed in 41 states
- Renovation loan (203k / HomeStyle)
- VA loan
- First-time buyer
- MN 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)
- 15
Chris VolnerNMLS 84706
CrossCountry Mortgage · Bloomington, MN · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- Non-QM loan
- Reverse mortgage
- MN 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 Bloomington, MN
- 16
Josh NumbersNMLS 218459
CrossCountry Mortgage · Cleveland, OH · licensed in 17 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- VA loan
- FHA loan
- MN 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)
- 17
Matt GoodrichNMLS 118253
CrossCountry Mortgage · Columbus, OH · licensed in 19 states
- Renovation loan (203k / HomeStyle)
- VA loan
- FHA loan
- MN 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)
- 18
Kim GhanemNMLS 191143
Assurance Financial · Austin, TX · licensed in 14 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- USDA loan
- MN 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)
- 19
Desiree' ByrneNMLS 2122934
Xpert Home Lending · Mortgage broker · licensed in 16 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- MN 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)
- 20
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
- MN 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)
- 21
Tony FalboNMLS 1071550
Homeowners Financial Group · Santa Rosa, CA · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- Bank statement loan
- Construction loan
- Down payment assistance
- MN 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)
- 22
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
- MN 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)
- 23
Chris MillerNMLS 891520
Xpert Home Lending · Mortgage broker · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- Jumbo loan
- MN 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)
- 24
Jett MillerNMLS 1706745
Guild Mortgage · Las Vegas, NV · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- MN 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)
- 25
Josh MoodyNMLS 139695
Highlands Residential Mortgage · Allen, TX · licensed in 37 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- First-time buyer
- Real estate investor
- MN 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)
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 MN license is confirmed with the state regulator (check mark), MN 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=MN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.