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Loan programs · Rhode Island

Renovation loan officers in Rhode Island

As of 2026-10-09, LenDb lists 7 loan officers licensed in or based in Rhode Island whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Scott Lacey (Guild Mortgage, Lincoln), Trevor McFarland (Guild Mortgage, Worcester) and Derick Andrade (First Home Mortgage, Seekonk). Ranking is lender-neutral: specialty evidence first, then a license in RI, 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 7

  1. 1

    Scott LaceyNMLS 8154

    Guild Mortgage · Lincoln, RI · licensed in 22 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • RI 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 Lincoln, RI
    • Licensed since 2020 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Trevor McFarlandNMLS 38803

    Guild Mortgage · Worcester, MA · licensed in 7 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Down payment assistance
    • RI 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)
  3. 3

    Derick AndradeNMLS 2051827

    First Home Mortgage · Seekonk, MA · licensed in 4 states

    • Renovation loan (203k / HomeStyle)
    • RI 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 12 years of experience (lender page, 2026-10-09)
  4. 4

    Chris LoughlinNMLS 1537524

    First Home Mortgage · Baltimore, MD · licensed in 18 states

    • Renovation loan (203k / HomeStyle)
    • RI 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 2017 (per Florida records)
  5. 5

    Barry KovenNMLS 404510

    CrossCountry Mortgage · Brooklyn, NY · licensed in 6 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • FHA loan
    • VA loan
    • RI 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 2019 (per Florida records)
    • States 18 years of experience (lender page, 2026-10-09)
  6. 6

    Terry T. TerzakisNMLS 110369

    Homestead Funding · North Haven, CT · licensed in 12 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Jumbo loan
    • USDA loan
    • RI 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)
  7. 7

    Alyssa CaliendoNMLS 1849915

    CrossCountry Mortgage · San Diego, CA · licensed in 8 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • Jumbo loan
    • Non-QM loan
    • RI 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)

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?

More about Renovation loan (203k / HomeStyle)

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 RI license is confirmed with the state regulator (check mark), RI 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=RI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.