--- canonical_url: https://lendb.ai/s/renovation/montana last_verified: 2026-10-11 --- # Renovation loan officers in Montana As of 2026-10-11, LenDb lists 16 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 Keith Collins (Edge Home Finance). Ranking is lender-neutral: specialty evidence first, then a license in MT, 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) - MT 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. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) - States 12 years of experience (lender page, 2026-10-09) 3. **[Keith Collins](https://lendb.ai/lo/keith-collins-308355)** (NMLS 308355), Edge Home Finance - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-11) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-11) 4. **[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) - MT 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) 5. **[Jared Evenson](https://lendb.ai/lo/jared-evenson-104085)** (NMLS 104085), CrossCountry Mortgage, Spokane Valley, WA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 6. **[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) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 7. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 8. **[Dominique Love](https://lendb.ai/lo/dominique-love-5953)** (NMLS 5953), American Pacific Mortgage, Garden City, ID - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[Carla Weber](https://lendb.ai/lo/carla-weber-487303)** (NMLS 487303), CrossCountry Mortgage, Whitefish, MT - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Whitefish, MT - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 10. **[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) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) 11. **[Amy James](https://lendb.ai/lo/amy-james-2088909)** (NMLS 2088909), CrossCountry Mortgage, Fort Walton Beach, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 12. **[Derek Bickel](https://lendb.ai/lo/derek-bickel-403845)** (NMLS 403845), CrossCountry Mortgage, Bend, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 13. **[Amy Herber](https://lendb.ai/lo/amy-herber-880954)** (NMLS 880954), American Pacific Mortgage, Eagle, ID - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) 14. **[Stephanie Maulding](https://lendb.ai/lo/stephanie-maulding-183546)** (NMLS 183546), CrossCountry Mortgage, Seattle, WA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Colorado records) 15. **[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) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Colorado records) 16. **[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) - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado 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/montana. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._