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Loan programs · Vermont

Renovation loan officers in Vermont

As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in Vermont whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Terry T. Terzakis (Homestead Funding, North Haven), Todd McDermott (Homestead Funding, Goshen) and Matthew Brown (Loan Factory, Austin). Ranking is lender-neutral: specialty evidence first, then a license in VT, 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 8

  1. 1

    Terry T. TerzakisNMLS 110369

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

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Jumbo loan
    • USDA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Todd McDermottNMLS 63690

    Homestead Funding · Goshen, NY · licensed in 9 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • USDA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Matthew BrownNMLS 1254520

    Loan Factory · Austin, TX · licensed in 28 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • FHA loan
    • HELOC
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Scott LaceyNMLS 8154

    Guild Mortgage · Lincoln, RI · licensed in 22 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Shawn DurantNMLS 221971

    American Pacific Mortgage · Roseville, CA · licensed in 45 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Erik JohnsonNMLS 729262

    CrossCountry Mortgage · White Plains, NY · licensed in 6 states

    • Renovation loan (203k / HomeStyle)
    • Non-QM loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Richard MillerNMLS 1400130

    CrossCountry Mortgage · Cleveland, OH · licensed in 25 states

    • Renovation loan (203k / HomeStyle)
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Tracy BolenNMLS 1734508

    American Pacific Mortgage · Roseville, CA · licensed in 51 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Jumbo loan
    • New construction
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb

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 must be licensed in VT or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=renovation&state=VT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.