Loan programs · North Dakota
Renovation loan officers in North Dakota
As of 2026-10-09, LenDb lists 12 loan officers licensed in or based in North Dakota whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Sandee Lutz (CrossCountry Mortgage, Romeo), Fabiano Olmo (CrossCountry Mortgage, Cleveland) and Matt Goodrich (CrossCountry Mortgage, Columbus). Ranking is lender-neutral: specialty evidence first, then a license in ND, 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 12
- 1
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ND (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 2
Fabiano OlmoNMLS 2760701
CrossCountry Mortgage · Cleveland, OH · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ND (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 3
Matt GoodrichNMLS 118253
CrossCountry Mortgage · Columbus, OH · licensed in 19 states
- Renovation loan (203k / HomeStyle)
- VA loan
- FHA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ND (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 4
Jason CotaNMLS 232220
CrossCountry Mortgage · Winter Park, FL · licensed in 13 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- VA loan
- FHA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ND (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 5
Kim WoodworthNMLS 474485
Guild Mortgage · Casper, WY · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- First-time buyer
- Reverse mortgage
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ND (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 6
Christina ClarkNMLS 413597
Guild Mortgage · Scottsdale, AZ · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ND (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Patton GadeNMLS 1243024
CrossCountry Mortgage · Scottsdale, AZ · licensed in 41 states
- Renovation loan (203k / HomeStyle)
- VA loan
- First-time buyer
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ND (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 8
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Renovation loan (203k / HomeStyle)
- Condo
- Down payment assistance
- FHA loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ND (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 9
Tracy BolenNMLS 1734508
American Pacific Mortgage · Roseville, CA · licensed in 51 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Jumbo loan
- New construction
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ND (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 10
Kevin JaunichNMLS 348636
Guild Mortgage · Delano, MN · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ND (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 11
Tim PowellNMLS 136749
Churchill Mortgage · Decatur, IN · licensed in 29 states
- Renovation loan (203k / HomeStyle)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ND (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 12
Chris MillerNMLS 891520
Xpert Home Lending · Mortgage broker · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- Jumbo loan
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed in ND (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
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 must be licensed in ND or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=renovation&state=ND. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.