Loan programs · Virginia
Renovation loan officers in Virginia
As of 2026-10-09, LenDb lists 109 loan officers licensed in or based in Virginia whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Sandee Lutz (CrossCountry Mortgage, Romeo), Scott Lacey (Guild Mortgage, Lincoln) and Jolayne Craig (Atlantic Coast Mortgage, Fredericksburg). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- VA 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)
- 2
Scott LaceyNMLS 8154
Guild Mortgage · Lincoln, RI · licensed in 22 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- VA 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
Jolayne CraigNMLS 290277
Atlantic Coast Mortgage · Fredericksburg, VA · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- USDA loan
- VA loan
- VA 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 Fredericksburg, VA
- States 30 years of experience (lender page, 2026-10-09)
- 4
James F. GaudiosiNMLS 474088
Atlantic Coast Mortgage · Fairfax, VA · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- VA loan
- VA 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 Fairfax, VA
- States 23 years of experience (lender page, 2026-10-09)
- 5
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
- VA 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)
- 6
Daniel SolisNMLS 1407785
CrossCountry Mortgage · Midlothian, VA · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- VA loan
- VA 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 Midlothian, VA
- Licensed since 2019 (per Florida records)
- 7
Mark DavisonNMLS 155629
CrossCountry Mortgage · Virginia Beach, VA
- Renovation loan (203k / HomeStyle)
- Construction loan
- Down payment assistance
- USDA loan
- VA 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 Virginia Beach, VA
- States 28 years of experience (lender page, 2026-10-09)
- 8
Ray WardNMLS 264957
Atlantic Coast Mortgage · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- USDA loan
- VA loan
- VA 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 26 years of experience (lender page, 2026-10-09)
- 9
Bryan SumardiNMLS 1984869
CrossCountry Mortgage · North Bethesda, MD · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Real estate investor
- VA loan
- First-time buyer
- VA 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)
- 10
Matt MierasNMLS 245686
Guild Mortgage · Charleston, SC · licensed in 8 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Jumbo loan
- USDA loan
- VA 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)
- States 23 years of experience (lender page, 2026-10-09)
- 11
Chris DahlgaardNMLS 337672
CrossCountry Mortgage · Tampa, FL · licensed in 10 states
- Renovation loan (203k / HomeStyle)
- VA 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 2011 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 12
Shannon BradshawNMLS 545211
CrossCountry Mortgage · Atlanta, GA · licensed in 13 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Jumbo loan
- VA 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)
- 13
Brad RestivoNMLS 835073
First Home Mortgage · Baltimore, MD · licensed in 8 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- Jumbo loan
- VA loan
- VA 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 2021 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 14
Mike WeinsteinNMLS 1185158
First Home Mortgage · Baltimore, MD · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- VA loan
- First-time buyer
- VA 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 12 years of experience (lender page, 2026-10-09)
- 15
Matthew BrownNMLS 1254520
Loan Factory · Mortgage broker · Austin, TX · licensed in 28 states
- Renovation loan (203k / HomeStyle)
- VA 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)
- 16
Chris NorwoodNMLS 248771
TowneBank Mortgage · Bank · Chesterfield, VA · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Construction loan
- FHA loan
- VA 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 Chesterfield, VA
- 17
Jeanne BidwellNMLS 313615
First Heritage Mortgage · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- New construction
- Real estate investor
- VA 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 2021 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 18
Dianne PerkinsNMLS 1410743
Embrace Home Loans · Inverness, FL · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- First-time buyer
- Jumbo loan
- VA 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)
- 19
Brad ZerbeNMLS 161236
NFM Lending · Haddonfield, NJ · licensed in 7 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- USDA loan
- VA 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)
- 20
Jason CotaNMLS 232220
CrossCountry Mortgage · Winter Park, FL · licensed in 13 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- VA loan
- FHA loan
- VA 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)
- 21
Jeremy KrupnickNMLS 298409
Southern Trust Mortgage · Virginia Beach, VA
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- VA 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 Virginia Beach, VA
- States 21 years of experience (lender page, 2026-10-09)
- 22
Pat MillerNMLS 698968
Southern Trust Mortgage · Virginia Beach, VA · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- FHA loan
- First-time buyer
- VA 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 Virginia Beach, VA
- Licensed since 2022 (per Florida records)
- 23
Danielle FinchNMLS 1233551
Fairway Independent Mortgage Corporation · Gainesville, VA
- Renovation loan (203k / HomeStyle)
- VA 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 Gainesville, VA
- 24
Fabiano OlmoNMLS 2760701
CrossCountry Mortgage · Cleveland, OH · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- VA 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)
- 25
Brent SchreursNMLS 212462
CrossCountry Mortgage · Tequesta, FL · licensed in 11 states
- Renovation loan (203k / HomeStyle)
- Condo
- Construction loan
- Non-QM loan
- VA 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)
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 VA license is confirmed with the state regulator (check mark), VA 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=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.