Loan programs · Oregon
Renovation loan officers in Oregon
As of 2026-10-11, LenDb lists 41 loan officers licensed in or based in Oregon whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Bill Clark (Fairway Independent Mortgage Corporation, Clackamas), Michelle Muqtadir (CrossCountry Mortgage, Seattle) and Sandee Lutz (CrossCountry Mortgage, Romeo). Ranking is lender-neutral: specialty evidence first, then a license in OR, 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
Bill ClarkNMLS 220837
Fairway Independent Mortgage Corporation · Clackamas, OR · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- USDA loan
- VA loan
- OR 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 Clackamas, OR
- States 27 years of experience (lender page, 2026-10-09)
- 2
Michelle MuqtadirNMLS 143470
CrossCountry Mortgage · Seattle, WA · licensed in 11 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- Low credit score
- FHA loan
- OR 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 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- OR 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 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 4
Evan LuchacoNMLS 887608
Churchill Mortgage · Portland, OR · licensed in 12 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Self-employed
- VA loan
- OR 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 Portland, OR
- Licensed since 2023 (per Colorado records)
- States 12 years of experience (lender page, 2026-10-09)
- 5
Willie WilliamsNMLS 703211
Xpert Home Lending · Mortgage broker
- Renovation loan (203k / HomeStyle)
- OR 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)
- 6
Jessica SteenkolkNMLS 1743610
CrossCountry Mortgage · Newport, OR
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Jumbo loan
- Reverse mortgage
- OR 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 Newport, OR
- States 23 years of experience (lender page, 2026-10-09)
- 7
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Renovation loan (203k / HomeStyle)
- Bank statement loan
- Down payment assistance
- DSCR loan
- OR 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 Eugene, OR
- Licensed since 2023 (per Florida records)
- States 30 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
- OR 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
Heidi GreenNMLS 344768
CrossCountry Mortgage · Seattle, WA · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Reverse mortgage
- OR 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 20 years of experience (lender page, 2026-10-09)
- 10
Martin MetzdorfNMLS 387719
CrossCountry Mortgage · Gilbert, AZ · licensed in 10 states
- Renovation loan (203k / HomeStyle)
- Non-QM loan
- Real estate investor
- OR 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 23 years of experience (lender page, 2026-10-09)
- 11
Ricardo PachecoNMLS 454956
CrossCountry Mortgage · Charlotte, NC · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- VA loan
- Non-QM loan
- USDA loan
- OR 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 22 years of experience (lender page, 2026-10-09)
- 12
Matthew BrownNMLS 1254520
Loan Factory · Mortgage broker · Austin, TX · licensed in 28 states
- Renovation loan (203k / HomeStyle)
- OR 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
Keith CollinsNMLS 308355
Edge Home Finance · Mortgage broker · licensed in 8 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Real estate investor
- Self-employed
- OR 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 2026-10-11)
- States 20 years of experience (lender page, 2026-10-11)
- 14
Fabiano OlmoNMLS 2760701
CrossCountry Mortgage · Cleveland, OH · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- OR 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 2026 (per Colorado records)
- 15
Jared EvensonNMLS 104085
CrossCountry Mortgage · Spokane Valley, WA · licensed in 7 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- Non-QM loan
- OR 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 2026 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 16
Tina ClarkNMLS 413597
Guild Mortgage · Scottsdale, AZ · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- OR 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)
- 17
Roy MonteroNMLS 351403
CrossCountry Mortgage · Honolulu, HI · licensed in 11 states
- Renovation loan (203k / HomeStyle)
- Manufactured home
- Jumbo loan
- USDA loan
- OR 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 2015 (per Colorado records)
- 18
Derek BickelNMLS 403845
CrossCountry Mortgage · Bend, OR · licensed in 10 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- VA loan
- OR 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 Bend, OR
- Licensed since 2022 (per Florida records)
- 19
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Renovation loan (203k / HomeStyle)
- Condo
- Down payment assistance
- FHA loan
- OR 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 Colorado records)
- 20
Dominique LoveNMLS 5953
American Pacific Mortgage · Garden City, ID · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Real estate investor
- First-time buyer
- OR 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)
- 21
Ronald SmithNMLS 195565
CrossCountry Mortgage · Eugene, OR
- Renovation loan (203k / HomeStyle)
- Construction loan
- Reverse mortgage
- OR 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 Eugene, OR
- 22
Alan DierickxNMLS 286053
CrossCountry Mortgage · Portland, OR · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Down payment assistance
- Non-QM loan
- OR 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 Portland, OR
- 23
Vince Patrick KingstonNMLS 291740
Guild Mortgage · Clackamas, OR · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Real estate investor
- Jumbo loan
- OR 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 Clackamas, OR
- 24
Seth HaaseNMLS 2783537
CrossCountry Mortgage · Eugene, OR
- Renovation loan (203k / HomeStyle)
- OR 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 Eugene, OR
- 25
Patton GadeNMLS 1243024
CrossCountry Mortgage · Scottsdale, AZ · licensed in 41 states
- Renovation loan (203k / HomeStyle)
- VA loan
- First-time buyer
- OR 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 2021 (per Colorado 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 OR license is confirmed with the state regulator (check mark), OR 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=OR. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.