--- canonical_url: https://lendb.ai/s/renovation/pennsylvania last_verified: 2026-10-10 --- # Renovation loan officers in Pennsylvania As of 2026-10-10, LenDb lists 29 loan officers licensed in or based in Pennsylvania whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Joan Kofsky (CrossCountry Mortgage, Wayne), Ed Fallon (CrossCountry Mortgage, Philadelphia) and Scott Lacey (Guild Mortgage, Lincoln). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Joan Kofsky](https://lendb.ai/lo/joan-zeruld-kofsky-133361)** (NMLS 133361), CrossCountry Mortgage, Wayne, PA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Wayne, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 22713), verified 2026-10-10 - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 2. **[Ed Fallon](https://lendb.ai/lo/edward-fallon-144708)** (NMLS 144708), CrossCountry Mortgage, Philadelphia, PA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Philadelphia, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 60151), verified 2026-10-10 - Licensed since 2014 (per Florida records) 3. **[Scott Lacey](https://lendb.ai/lo/scott-lacey-8154)** (NMLS 8154), Guild Mortgage, Lincoln, RI - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 27794), verified 2026-10-10 - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[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) - PA 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) 5. **[James Ward](https://lendb.ai/lo/james-ward-168854)** (NMLS 168854), Fairway Independent Mortgage Corporation, Houston, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 6. **[Mark Minadeo](https://lendb.ai/lo/mark-minadeo-330121)** (NMLS 330121), Acrisure Mortgage (formerly FBC Mortgage), Coconut Creek, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 119150), verified 2026-10-10 - Licensed since 2010 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 7. **[Tina Gring](https://lendb.ai/lo/tina-gring-98983)** (NMLS 98983), Guild Mortgage, Lancaster, PA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Lancaster, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 35936), verified 2026-10-10 - States 25 years of experience (lender page, 2026-10-09) 8. **[Marc Silverman](https://lendb.ai/lo/marc-silverman-128534)** (NMLS 128534), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Plymouth Meeting, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 23272), verified 2026-10-10 - Licensed since 2021 (per Florida records) - States 34 years of experience (lender page, 2026-10-09) 9. **[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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 80909), verified 2026-10-10 - Licensed since 2018 (per Florida records) 10. **[Chris Loughlin](https://lendb.ai/lo/christopher-loughlin-1537524)** (NMLS 1537524), First Home Mortgage, Baltimore, MD - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 62668), verified 2026-10-10 - Licensed since 2017 (per Florida records) 11. **[Billy McElroy](https://lendb.ai/lo/william-mcelroy-48244)** (NMLS 48244), CrossCountry Mortgage, Sewell, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 54441), verified 2026-10-10 - Licensed since 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 12. **[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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 20432), verified 2026-10-10 - States 30 years of experience (lender page, 2026-10-09) 13. **[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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 27321), verified 2026-10-10 - Licensed since 2025 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 14. **[Lisa Umbehauer](https://lendb.ai/lo/lisa-umbehauer-404383)** (NMLS 404383), CrossCountry Mortgage, Union, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 104994), verified 2026-10-10 - States 30 years of experience (lender page, 2026-10-09) 15. **[Vince Curcio](https://lendb.ai/lo/vincent-curcio-102096)** (NMLS 102096), First Heritage Mortgage - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 117531), verified 2026-10-10 - Licensed since 2021 (per Florida records) 16. **[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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 70437), verified 2026-10-10 - Licensed since 2019 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 17. **[Brad Zerbe](https://lendb.ai/lo/bradley-zerbe-161236)** (NMLS 161236), NFM Lending, Haddonfield, NJ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 29854), verified 2026-10-10 - Licensed since 2025 (per Florida records) 18. **[John Lippello](https://lendb.ai/lo/john-lippello-142164)** (NMLS 142164), CrossCountry Mortgage, Pittsburgh, PA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Pittsburgh, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 40855), verified 2026-10-10 19. **[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) - PA 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) 20. **[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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 121963), verified 2026-10-10 21. **[Nathan Fitzgerald](https://lendb.ai/lo/nathan-fitzgerald-369554)** (NMLS 369554), CrossCountry Mortgage, Orlando, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 63943), verified 2026-10-10 - Licensed since 2022 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 22. **[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) - PA 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) 23. **[Chris Dahlgaard](https://lendb.ai/lo/eric-dahlgaard-337672)** (NMLS 337672), CrossCountry Mortgage, Tampa, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 24. **[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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 116820), verified 2026-10-10 - Licensed since 2025 (per Florida records) - States 11 years of experience (lender page, 2026-10-09) 25. **[Ann Blasko](https://lendb.ai/lo/ann-blasko-145516)** (NMLS 145516), CrossCountry Mortgage, Plymouth Meeting, PA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Plymouth Meeting, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 24179), verified 2026-10-10 - Licensed since 2024 (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/pennsylvania. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._