--- canonical_url: https://lendb.ai/s/renovation/oregon last_verified: 2026-10-11 --- # Renovation loan officers in Oregon As of 2026-10-11, LenDb lists 48 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. ## Ranked, with reasons 1. **[Bill Clark](https://lendb.ai/lo/bill-clark-220837)** (NMLS 220837), Fairway Independent Mortgage Corporation, Clackamas, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Clackamas, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 27 years of experience (lender page, 2026-10-09) 2. **[Michelle Muqtadir](https://lendb.ai/lo/michelle-muqtadir-143470)** (NMLS 143470), CrossCountry Mortgage, Seattle, WA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 27, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 3. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 13, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 4. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Portland, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 31, 2023 (Colorado), per state regulator - States 12 years of experience (lender page, 2026-10-09) 5. **[Mark Hedman](https://lendb.ai/lo/mark-hedman-582895)** (NMLS 582895), CMG Home Loans, Mill Creek, WA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-11) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 19 years of experience (lender page, 2026-10-11) 6. **[Willie Williams](https://lendb.ai/lo/willie-williams-703211)** (NMLS 703211), Xpert Home Lending - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - OR 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) 7. **[Jessica Steenkolk](https://lendb.ai/lo/jessica-steenkolk-1743610)** (NMLS 1743610), CrossCountry Mortgage, Newport, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Newport, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-09) 8. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Eugene, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 21, 2023 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 9. **[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) - OR 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) 10. **[Heidi Green](https://lendb.ai/lo/heidi-green-344768)** (NMLS 344768), CrossCountry Mortgage, Seattle, WA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - OR 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) 11. **[Martin Metzdorf](https://lendb.ai/lo/martin-metzdorf-387719)** (NMLS 387719), CrossCountry Mortgage, Gilbert, AZ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 17, 2025 (Florida), per state regulator - States 23 years of experience (lender page, 2026-10-09) 12. **[Ricardo Pacheco](https://lendb.ai/lo/ricardo-pacheco-454956)** (NMLS 454956), CrossCountry Mortgage, Charlotte, NC - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 22 years of experience (lender page, 2026-10-09) 13. **[Matthew Brown](https://lendb.ai/lo/matthew-brown-1254520)** (NMLS 1254520), Loan Factory, Austin, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 5, 2016 (Florida), per state regulator 14. **[Keith Collins](https://lendb.ai/lo/keith-collins-308355)** (NMLS 308355), Edge Home Finance - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-11) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-11) 15. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 15, 2026 (Colorado), per state regulator 16. **[Jared Evenson](https://lendb.ai/lo/jared-evenson-104085)** (NMLS 104085), CrossCountry Mortgage, Spokane Valley, WA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 10, 2026 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 17. **[Nick Prohaska](https://lendb.ai/lo/nick-prohaska-876326)** (NMLS 876326), CMG Home Loans, Lake Oswego, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-11) - Office in Lake Oswego, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-11) 18. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Roy Montero](https://lendb.ai/lo/roy-montero-351403)** (NMLS 351403), CrossCountry Mortgage, Honolulu, HI - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 18, 2015 (Colorado), per state regulator 20. **[Derek Bickel](https://lendb.ai/lo/derek-bickel-403845)** (NMLS 403845), CrossCountry Mortgage, Bend, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Bend, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 1, 2022 (Florida), per state regulator 21. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 25, 2016 (Colorado), per state regulator 22. **[Dominique Love](https://lendb.ai/lo/dominique-love-5953)** (NMLS 5953), American Pacific Mortgage, Garden City, ID - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Ronald Smith](https://lendb.ai/lo/ronald-smith-195565)** (NMLS 195565), CrossCountry Mortgage, Eugene, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Eugene, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[Alan Dierickx](https://lendb.ai/lo/alan-dierickx-286053)** (NMLS 286053), CrossCountry Mortgage, Portland, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Portland, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Vince Patrick Kingston](https://lendb.ai/lo/vince-kingston-291740)** (NMLS 291740), Guild Mortgage, Clackamas, OR - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Clackamas, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/oregon. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._