---
canonical_url: https://lendb.ai/s/renovation/vermont
last_verified: 2026-10-09
---

# Renovation loan officers in Vermont

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Vermont whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Scott Lacey (Guild Mortgage, Lincoln), Matthew Brown (Loan Factory, Austin) and Erik Johnson (CrossCountry Mortgage, White Plains). Ranking is lender-neutral: specialty evidence first, then a license in VT, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[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)
   - VT 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)
2. **[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)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2016 (per Florida records)
3. **[Erik Johnson](https://lendb.ai/lo/erik-johnson-729262)** (NMLS 729262), CrossCountry Mortgage, White Plains, NY
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
4. **[Richard Miller](https://lendb.ai/lo/richard-miller-1400130)** (NMLS 1400130), CrossCountry Mortgage, Cleveland, OH
   - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (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/vermont.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._