--- canonical_url: https://lendb.ai/s/renovation/texas last_verified: 2026-10-09 --- # Renovation loan officers in Texas As of 2026-10-09, LenDb lists 94 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. ## Ranked, with reasons 1. **[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) - Office in Houston, TX - TX 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) 2. **[Justin Boyd](https://lendb.ai/lo/justin-boyd-219007)** (NMLS 219007), Prosperity Bank, Austin, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Austin, TX - TX 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) 3. **[Patty Porto](https://lendb.ai/lo/patty-porto-275265)** (NMLS 275265), Loan Factory, Houston, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Houston, TX - TX 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) 4. **[Angel Rodriguez](https://lendb.ai/lo/angel-rodriguez-322455)** (NMLS 322455), Loan Factory, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Texas - TX 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) 5. **[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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 6. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 7. **[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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) - States 12 years of experience (lender page, 2026-10-09) 8. **[Mitchell Dunn](https://lendb.ai/lo/mitchell-dunn-1378534)** (NMLS 1378534), Loan Factory - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 9. **[Candace Cagle](https://lendb.ai/lo/candace-cagle-878436)** (NMLS 878436), CrossCountry Mortgage, Houston, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Houston, TX - TX 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) 10. **[Steve Crossman](https://lendb.ai/lo/steven-crossman-995551)** (NMLS 995551), CrossCountry Mortgage, McKinney, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in McKinney, TX - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 11. **[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) - Office in Austin, TX - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) 12. **[Adam Miller](https://lendb.ai/lo/adam-miller-221065)** (NMLS 221065), LeaderOne Financial, Oak Brook, IL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 13. **[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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 14. **[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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 15. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 16. **[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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 17. **[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) - TX 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) 18. **[Shannon Bradshaw](https://lendb.ai/lo/shannon-bradshaw-545211)** (NMLS 545211), CrossCountry Mortgage, Atlanta, GA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 19. **[Joe Donovan](https://lendb.ai/lo/joe-donovan-1450210)** (NMLS 1450210), CrossCountry Mortgage, Suwanee, GA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 20. **[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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 21. **[Jason Cota](https://lendb.ai/lo/jason-cota-232220)** (NMLS 232220), CrossCountry Mortgage, Winter Park, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 22. **[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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 24. **[Brent Schreurs](https://lendb.ai/lo/brent-schreurs-212462)** (NMLS 212462), CrossCountry Mortgage, Tequesta, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 25. **[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) - TX listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) ## 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/texas. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._