Loan programs · Montana
Renovation loan officers in Montana
As of 2026-10-09, LenDb lists 15 loan officers licensed in or based in Montana whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Sandee Lutz (CrossCountry Mortgage, Romeo), Evan Luchaco (Churchill Mortgage, Portland) and Denise Cuddeback Montgomery (American Pacific Mortgage, Eugene). Ranking is lender-neutral: specialty evidence first, then a license in MT, 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 15
- 1
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- MT 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
Evan LuchacoNMLS 887608
Churchill Mortgage · Portland, OR · licensed in 12 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Self-employed
- VA loan
- MT 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 Colorado records)
- States 12 years of experience (lender page, 2026-10-09)
- 3
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
- MT 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)
- 4
Jared EvensonNMLS 104085
CrossCountry Mortgage · Spokane Valley, WA · licensed in 7 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- Non-QM loan
- MT 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)
- States 15 years of experience (lender page, 2026-10-09)
- 5
Tina ClarkNMLS 413597
Guild Mortgage · Scottsdale, AZ · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- MT 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)
- 6
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Renovation loan (203k / HomeStyle)
- Condo
- Down payment assistance
- FHA loan
- MT 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 Colorado records)
- 7
Dominique LoveNMLS 5953
American Pacific Mortgage · Garden City, ID · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Real estate investor
- First-time buyer
- MT 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
Carla WeberNMLS 487303
CrossCountry Mortgage · Whitefish, MT · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- VA loan
- FHA loan
- First-time buyer
- MT 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 Whitefish, MT
- Licensed since 2024 (per Florida records)
- 9
Patton GadeNMLS 1243024
CrossCountry Mortgage · Scottsdale, AZ · licensed in 41 states
- Renovation loan (203k / HomeStyle)
- VA loan
- First-time buyer
- MT 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)
- 10
Amy JamesNMLS 2088909
CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 11 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- VA loan
- MT 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)
- 11
Derek BickelNMLS 403845
CrossCountry Mortgage · Bend, OR · licensed in 10 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- VA loan
- MT 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)
- 12
Amy HerberNMLS 880954
American Pacific Mortgage · Eagle, ID · licensed in 9 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Down payment assistance
- FHA loan
- MT 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 Colorado records)
- 13
Stephanie MauldingNMLS 183546
CrossCountry Mortgage · Seattle, WA · licensed in 9 states
- Renovation loan (203k / HomeStyle)
- MT 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 2024 (per Colorado records)
- 14
Jett MillerNMLS 1706745
Guild Mortgage · Las Vegas, NV · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- MT 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)
- 15
Josh MoodyNMLS 139695
Highlands Residential Mortgage · Allen, TX · licensed in 37 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- First-time buyer
- Real estate investor
- MT 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 MT license is confirmed with the state regulator (check mark), MT 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=MT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.