--- canonical_url: https://lendb.ai/s/renovation/new-york last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[Rene Gonzalez](https://lendb.ai/lo/rene-gonzalez-62315)** (NMLS 62315), Fairway Independent Mortgage Corporation, Freeport, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Freeport, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 2. **[Joe Delorenzo](https://lendb.ai/lo/joe-delorenzo-57244)** (NMLS 57244), Homestead Funding, Albany, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Albany, NY - NY 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) 3. **[David Smith](https://lendb.ai/lo/david-smith-1579719)** (NMLS 1579719), CrossCountry Mortgage, Syracuse, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Syracuse, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 10 years of experience (lender page, 2026-10-09) 4. **[Karin Gagliano](https://lendb.ai/lo/karin-gagliano-1737007)** (NMLS 1737007), CrossCountry Mortgage, Pittsford, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Pittsford, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 5. **[Barry Koven](https://lendb.ai/lo/barry-koven-404510)** (NMLS 404510), CrossCountry Mortgage, Brooklyn, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Brooklyn, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 6. **[Quentin Hardy](https://lendb.ai/lo/quentin-hardy-420639)** (NMLS 420639), CrossCountry Mortgage, Charlotte, NC - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 7. **[Emily McVay](https://lendb.ai/lo/emily-mcvay-1586340)** (NMLS 1586340), Homestead Funding, Williamsville, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Williamsville, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 8 years of experience (lender page, 2026-10-09) 8. **[Tom Gates](https://lendb.ai/lo/tom-gates-61691)** (NMLS 61691), CrossCountry Mortgage, Montvale, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NY 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) 9. **[Rob Kaiser](https://lendb.ai/lo/robert-kaiser-146468)** (NMLS 146468), CrossCountry Mortgage, Sarasota, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 10. **[Sandy Davis](https://lendb.ai/lo/alessandra-davis-172843)** (NMLS 172843), CrossCountry Mortgage, Aventura, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 11. **[Todd McDermott](https://lendb.ai/lo/todd-mcdermott-63690)** (NMLS 63690), Homestead Funding, Goshen, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Goshen, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 12. **[Terry T. Terzakis](https://lendb.ai/lo/terry-terzakis-110369)** (NMLS 110369), Homestead Funding, North Haven, CT - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) 13. **[Judelka Diaz](https://lendb.ai/lo/judelka-diaz-2253012)** (NMLS 2253012), Embrace Home Loans, Amityville, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Amityville, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Erik Johnson](https://lendb.ai/lo/erik-johnson-729262)** (NMLS 729262), CrossCountry Mortgage, White Plains, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in White Plains, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 15. **[Damon Laylock](https://lendb.ai/lo/damon-laylock-973325)** (NMLS 973325), CrossCountry Mortgage, Melville, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Melville, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 16. **[Greg Fearnley](https://lendb.ai/lo/gregory-fearnley-2643728)** (NMLS 2643728), CrossCountry Mortgage, Tampa, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 11 years of experience (lender page, 2026-10-09) 17. **[Etienne Bernstein](https://lendb.ai/lo/etienne-bernstein-165961)** (NMLS 165961), CrossCountry Mortgage, Brooklyn, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Brooklyn, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Scott Finger](https://lendb.ai/lo/scott-finger-460183)** (NMLS 460183), CrossCountry Mortgage, White Plains, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in White Plains, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 19. **[Vincent Van Voorhis](https://lendb.ai/lo/vincent-van-voorhis-420600)** (NMLS 420600), CrossCountry Mortgage, New Windsor, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in New Windsor, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 20. **[Susan Azzarello](https://lendb.ai/lo/susan-azzarello-66532)** (NMLS 66532), CrossCountry Mortgage, Jericho, NY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Jericho, NY - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[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) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 22. **[Zak Raffel](https://lendb.ai/lo/zak-raffel-1470292)** (NMLS 1470292), CrossCountry Mortgage, Montvale, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 23. **[Sonny Webb](https://lendb.ai/lo/edgar-webb-404763)** (NMLS 404763), CrossCountry Mortgage, Union, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 24. **[Kunle Alli](https://lendb.ai/lo/kunle-alli-1764667)** (NMLS 1764667), CrossCountry Mortgage, Denville, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Christina Thluai](https://lendb.ai/lo/christina-thluai-1471916)** (NMLS 1471916), CrossCountry Mortgage, Indianapolis, IN - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (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/new-york. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._