Loan programs · New York
Renovation loan officers in New York
As of 2026-10-09, LenDb lists 30 loan officers licensed in or based in New York whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Rene Gonzalez (Fairway Independent Mortgage Corporation, Freeport), Joe Delorenzo (Homestead Funding, Albany) and David Smith (CrossCountry Mortgage, Syracuse). Ranking is lender-neutral: specialty evidence first, then a license in NY, 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
Rene GonzalezNMLS 62315
Fairway Independent Mortgage Corporation · Freeport, NY · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- NY 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 Freeport, NY
- Licensed since 2014 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 2
Joe DelorenzoNMLS 57244
Homestead Funding · Albany, NY
- Renovation loan (203k / HomeStyle)
- NY 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 Albany, NY
- States 20 years of experience (lender page, 2026-10-09)
- 3
David SmithNMLS 1579719
CrossCountry Mortgage · Syracuse, NY
- Renovation loan (203k / HomeStyle)
- First-time buyer
- VA loan
- NY 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 Syracuse, NY
- States 10 years of experience (lender page, 2026-10-09)
- 4
Karin GaglianoNMLS 1737007
CrossCountry Mortgage · Pittsford, NY · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- VA loan
- Construction loan
- NY 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 Pittsford, NY
- Licensed since 2026 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 5
Barry KovenNMLS 404510
CrossCountry Mortgage · Brooklyn, NY · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- VA loan
- NY 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 Brooklyn, NY
- Licensed since 2019 (per Florida records)
- States 18 years of experience (lender page, 2026-10-09)
- 6
Quentin HardyNMLS 420639
CrossCountry Mortgage · Charlotte, NC · licensed in 7 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- First-time buyer
- NY 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)
- 7
Emily McVayNMLS 1586340
Homestead Funding · Williamsville, NY · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- NY 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 Williamsville, NY
- States 8 years of experience (lender page, 2026-10-09)
- 8
Tom GatesNMLS 61691
CrossCountry Mortgage · Montvale, NJ · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- First-time buyer
- NY 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 30 years of experience (lender page, 2026-10-09)
- 9
Rob KaiserNMLS 146468
CrossCountry Mortgage · Sarasota, FL · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Down payment assistance
- Non-QM loan
- NY 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)
- States 22 years of experience (lender page, 2026-10-09)
- 10
Sandy DavisNMLS 172843
CrossCountry Mortgage · Aventura, FL · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- First-time buyer
- NY 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 2013 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 11
Todd McDermottNMLS 63690
Homestead Funding · Goshen, NY · licensed in 9 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- First-time buyer
- USDA loan
- NY 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 Goshen, NY
- Licensed since 2019 (per Florida records)
- 12
Terry T. TerzakisNMLS 110369
Homestead Funding · North Haven, CT · licensed in 12 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Jumbo loan
- USDA loan
- NY 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)
- 13
Judelka DiazNMLS 2253012
Embrace Home Loans · Amityville, NY · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- VA loan
- First-time buyer
- NY 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 Amityville, NY
- 14
Erik JohnsonNMLS 729262
CrossCountry Mortgage · White Plains, NY · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- Non-QM loan
- First-time buyer
- NY 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 Plains, NY
- Licensed since 2017 (per Florida records)
- 15
Damon LaylockNMLS 973325
CrossCountry Mortgage · Melville, NY · licensed in 17 states
- Renovation loan (203k / HomeStyle)
- NY 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 Melville, NY
- Licensed since 2019 (per Florida records)
- 16
Greg FearnleyNMLS 2643728
CrossCountry Mortgage · Tampa, FL · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- Real estate investor
- VA loan
- First-time buyer
- NY 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)
- States 11 years of experience (lender page, 2026-10-09)
- 17
Etienne BernsteinNMLS 165961
CrossCountry Mortgage · Brooklyn, NY · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- First-time buyer
- NY 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 Brooklyn, NY
- 18
Scott FingerNMLS 460183
CrossCountry Mortgage · White Plains, NY · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- VA loan
- FHA loan
- NY 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 Plains, NY
- Licensed since 2026 (per Florida records)
- 19
Vincent Van VoorhisNMLS 420600
CrossCountry Mortgage · New Windsor, NY · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- Condo
- VA loan
- First-time buyer
- NY 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 New Windsor, NY
- Licensed since 2025 (per Florida records)
- 20
Susan AzzarelloNMLS 66532
CrossCountry Mortgage · Jericho, NY
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- Non-QM loan
- FHA loan
- NY 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 Jericho, NY
- 21
Josh NumbersNMLS 218459
CrossCountry Mortgage · Cleveland, OH · licensed in 17 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- VA loan
- FHA loan
- NY 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)
- 22
Zak RaffelNMLS 1470292
CrossCountry Mortgage · Montvale, NJ · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Condo
- Down payment assistance
- Non-QM loan
- NY 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)
- 23
Sonny WebbNMLS 404763
CrossCountry Mortgage · Union, NJ · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- Jumbo loan
- Non-QM loan
- NY 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 Florida records)
- 24
Kunle AlliNMLS 1764667
CrossCountry Mortgage · Denville, NJ · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- NY 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)
- 25
Christina ThluaiNMLS 1471916
CrossCountry Mortgage · Indianapolis, IN · licensed in 15 states
- Renovation loan (203k / HomeStyle)
- Condo
- Construction loan
- Down payment assistance
- NY 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)
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 NY license is confirmed with the state regulator (check mark), NY 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=NY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.