Loan programs · Texas
Renovation loan officers in Texas
As of 2026-10-09, LenDb lists 95 loan officers licensed in or based in Texas whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are James Ward (Fairway Independent Mortgage Corporation, Houston), Justin Boyd (Prosperity Bank, Austin) and Patty Porto (Loan Factory, Houston). Ranking is lender-neutral: specialty evidence first, then a license in TX, 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
James WardNMLS 168854
Fairway Independent Mortgage Corporation · Houston, TX · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- First-time buyer
- Jumbo loan
- TX 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 Houston, TX
- States 25 years of experience (lender page, 2026-10-09)
- 2
Justin BoydNMLS 219007
Prosperity Bank · Bank · Austin, TX
- Renovation loan (203k / HomeStyle)
- Construction loan
- TX 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 Austin, TX
- States 20 years of experience (lender page, 2026-10-09)
- 3
Patty PortoNMLS 275265
Loan Factory · Mortgage broker · Houston, TX
- Renovation loan (203k / HomeStyle)
- TX 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 Houston, TX
- States 20 years of experience (lender page, 2026-10-09)
- 4
Angel RodriguezNMLS 322455
Loan Factory · Mortgage broker · Texas
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- First-time buyer
- Real estate investor
- TX 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 Texas
- States 30 years of experience (lender page, 2026-10-09)
- 5
Michelle MuqtadirNMLS 143470
CrossCountry Mortgage · Seattle, WA · licensed in 11 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- Low credit score
- FHA loan
- TX 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)
- 6
Tracey RadinovicNMLS 997560
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states
- Renovation loan (203k / HomeStyle)
- Bank statement loan
- DSCR loan
- FHA loan
- TX 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 14 years of experience (lender page, 2026-10-09)
- 7
Evan LuchacoNMLS 887608
Churchill Mortgage · Portland, OR · licensed in 12 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Self-employed
- VA loan
- TX 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 Colorado records)
- States 12 years of experience (lender page, 2026-10-09)
- 8
Mitchell DunnNMLS 1378534
Loan Factory · Mortgage broker · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Asset-based qualifying
- DSCR loan
- Real estate investor
- TX 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 15 years of experience (lender page, 2026-10-09)
- 9
Candace CagleNMLS 878436
CrossCountry Mortgage · Houston, TX · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Construction loan
- Non-QM loan
- TX 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 Houston, TX
- States 20 years of experience (lender page, 2026-10-09)
- 10
Steve CrossmanNMLS 995551
CrossCountry Mortgage · McKinney, TX · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- Foreign national
- Jumbo loan
- Non-QM loan
- TX 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 McKinney, TX
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 11
Matthew BrownNMLS 1254520
Loan Factory · Mortgage broker · Austin, TX · licensed in 28 states
- Renovation loan (203k / HomeStyle)
- TX 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 Austin, TX
- Licensed since 2016 (per Florida records)
- 12
Adam MillerNMLS 221065
LeaderOne Financial · Oak Brook, IL · licensed in 13 states
- Renovation loan (203k / HomeStyle)
- TX 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)
- 13
Chris LoughlinNMLS 1537524
First Home Mortgage · Baltimore, MD · licensed in 18 states
- Renovation loan (203k / HomeStyle)
- TX 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)
- 14
Rob KaiserNMLS 146468
CrossCountry Mortgage · Sarasota, FL · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Down payment assistance
- Non-QM loan
- TX 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 22 years of experience (lender page, 2026-10-09)
- 15
Dan LarkinNMLS 258898
LeaderOne Financial · Oak Brook, IL · licensed in 18 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Real estate investor
- Construction loan
- TX 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)
- States 25 years of experience (lender page, 2026-10-09)
- 16
Martin MetzdorfNMLS 387719
CrossCountry Mortgage · Gilbert, AZ · licensed in 10 states
- Renovation loan (203k / HomeStyle)
- Non-QM loan
- Real estate investor
- TX 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)
- 17
Lisa UmbehauerNMLS 404383
CrossCountry Mortgage · Union, NJ · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- TX 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)
- 18
Shannon BradshawNMLS 545211
CrossCountry Mortgage · Atlanta, GA · licensed in 13 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Jumbo loan
- TX 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 21 years of experience (lender page, 2026-10-09)
- 19
Joe DonovanNMLS 1450210
CrossCountry Mortgage · Suwanee, GA · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Real estate investor
- VA loan
- TX 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 20 years of experience (lender page, 2026-10-09)
- 20
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
- TX 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 30 years of experience (lender page, 2026-10-09)
- 21
Jason CotaNMLS 232220
CrossCountry Mortgage · Winter Park, FL · licensed in 13 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- VA loan
- FHA loan
- TX 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 2018 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 22
Judelka DiazNMLS 2253012
Embrace Home Loans · Amityville, NY · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- VA loan
- TX 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)
- 23
Fabiano OlmoNMLS 2760701
CrossCountry Mortgage · Cleveland, OH · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- TX 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)
- 24
Brent SchreursNMLS 212462
CrossCountry Mortgage · Tequesta, FL · licensed in 11 states
- Renovation loan (203k / HomeStyle)
- Condo
- Construction loan
- Non-QM loan
- TX 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 15 years of experience (lender page, 2026-10-09)
- 25
Nathan FitzgeraldNMLS 369554
CrossCountry Mortgage · Orlando, FL · licensed in 15 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- VA loan
- HELOC
- TX 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 2022 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
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 TX license is confirmed with the state regulator (check mark), TX 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=TX. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.