---
canonical_url: https://lendb.ai/s/renovation/north-dakota
last_verified: 2026-10-09
---

# Renovation loan officers in North Dakota

As of 2026-10-09, LenDb lists 8 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), Jason Cota (CrossCountry Mortgage, Winter Park) and Fabiano Olmo (CrossCountry Mortgage, Cleveland). Ranking is lender-neutral: specialty evidence first, then a license in ND, 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)
   - ND 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. **[Jason Cota](https://lendb.ai/lo/jason-cota-232220)** (NMLS 232220), CrossCountry Mortgage, Winter Park, FL
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
   - States 17 years of experience (lender page, 2026-10-09)
3. **[Fabiano Olmo](https://lendb.ai/lo/fabiano-goncalves-da-costa-olmo-2760701)** (NMLS 2760701), CrossCountry Mortgage, Cleveland, OH
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)
4. **[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)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
5. **[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)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2016 (per Colorado records)
6. **[Tim Powell](https://lendb.ai/lo/timothy-powell-136749)** (NMLS 136749), Churchill Mortgage, Decatur, IN
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
7. **[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)
   - ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Colorado records)
8. **[Matt Goodrich](https://lendb.ai/lo/matthew-goodrich-118253)** (NMLS 118253), CrossCountry Mortgage, Columbus, OH
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - ND 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/north-dakota.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._