--- canonical_url: https://lendb.ai/s/renovation/minnesota last_verified: 2026-10-09 --- # Renovation loan officers in Minnesota As of 2026-10-09, LenDb lists 20 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 Dan Larkin (LeaderOne Financial, Oak Brook). Ranking is lender-neutral: specialty evidence first, then a license in MN, 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) - MN 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) 2. **[Gail Vinje](https://lendb.ai/lo/gail-vinje-335942)** (NMLS 335942), CrossCountry Mortgage, Bloomington, MN - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Bloomington, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 3. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 4. **[Candace Cagle](https://lendb.ai/lo/candace-cagle-878436)** (NMLS 878436), CrossCountry Mortgage, Houston, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 5. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) 6. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 7. **[Nathan Julius](https://lendb.ai/lo/nathan-julius-2613390)** (NMLS 2613390), Churchill Mortgage, Delafield, WI - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Colorado records) 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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Roy Montero](https://lendb.ai/lo/roy-montero-351403)** (NMLS 351403), CrossCountry Mortgage, Honolulu, HI - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Colorado records) 11. **[Dawson Rosenow](https://lendb.ai/lo/dawson-rosenow-2248516)** (NMLS 2248516), CrossCountry Mortgage, White Bear Lake, MN - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in White Bear Lake, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 12. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) 13. **[Bart Baxter](https://lendb.ai/lo/bart-baxter-2647593)** (NMLS 2647593), CrossCountry Mortgage, Oakdale, MN - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Oakdale, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) 15. **[Chris Volner](https://lendb.ai/lo/chris-volner-84706)** (NMLS 84706), CrossCountry Mortgage, Bloomington, MN - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Bloomington, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Josh Numbers](https://lendb.ai/lo/joshua-numbers-218459)** (NMLS 218459), CrossCountry Mortgage, Cleveland, OH - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 17. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) 18. **[Matt Goodrich](https://lendb.ai/lo/matthew-goodrich-118253)** (NMLS 118253), CrossCountry Mortgage, Columbus, OH - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) ## 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/minnesota. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._