{
  "canonical_url": "https://lendb.ai/s/renovation/virginia",
  "summary": "As of 2026-10-09, LenDb lists 68 loan officers licensed in or based in Virginia whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are James F. Gaudiosi (Atlantic Coast Mortgage, Fairfax), Sandee Lutz (CrossCountry Mortgage, Romeo) and Ray Ward (Atlantic Coast Mortgage). Ranking is lender-neutral: specialty evidence first, then a license in VA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "renovation",
  "state": "VA",
  "total": 68,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 61.5,
      "loan_officer": {
        "nmls_id": 474088,
        "slug": "james-f-gaudiosi-474088",
        "full_name": "James F. Gaudiosi",
        "canonical_url": "https://lendb.ai/lo/james-f-gaudiosi-474088",
        "json_url": "https://lendb.ai/lo/james-f-gaudiosi-474088.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 23,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Office in Fairfax, VA",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-f-gaudiosi-474088",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 533656,
        "slug": "sandra-lutz-533656",
        "full_name": "Sandee Lutz",
        "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656",
        "json_url": "https://lendb.ai/lo/sandra-lutz-533656.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Romeo",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "ME",
          "MI",
          "MN",
          "MO",
          "MT",
          "ND",
          "OH",
          "OK",
          "OR",
          "SD",
          "TN",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "VA 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 58,
      "loan_officer": {
        "nmls_id": 264957,
        "slug": "ray-ward-264957",
        "full_name": "Ray Ward",
        "canonical_url": "https://lendb.ai/lo/ray-ward-264957",
        "json_url": "https://lendb.ai/lo/ray-ward-264957.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "NC",
          "VA"
        ],
        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 26,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/ray-ward/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 26 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ray-ward-264957",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.atlanticcoastmortgage.com/lo/ray-ward/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 8154,
        "slug": "scott-lacey-8154",
        "full_name": "Scott Lacey",
        "canonical_url": "https://lendb.ai/lo/scott-lacey-8154",
        "json_url": "https://lendb.ai/lo/scott-lacey-8154.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Lincoln",
          "state": "RI"
        },
        "licensed_states": [
          "FL",
          "PA",
          "AL",
          "CT",
          "DC",
          "DE",
          "GA",
          "IN",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MS",
          "NC",
          "NH",
          "NJ",
          "RI",
          "SC",
          "TN",
          "VA",
          "VT"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ri/lincoln/scott-lacey-522-rgsla.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "VA 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-lacey-8154",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ri/lincoln/scott-lacey-522-rgsla.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 997560,
        "slug": "tracey-radinovic-997560",
        "full_name": "Tracey Radinovic",
        "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560",
        "json_url": "https://lendb.ai/lo/tracey-radinovic-997560.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "FL",
          "AR",
          "CA",
          "IL",
          "IN",
          "KS",
          "MO",
          "NJ",
          "NV",
          "OK",
          "SC",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 14,
        "lender_profile_url": "https://www.fairway.com/lo/tracey-radinovic-997560",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "VA 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/tracey-radinovic-997560"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 56.3,
      "loan_officer": {
        "nmls_id": 1407785,
        "slug": "daniel-solis-1407785",
        "full_name": "Daniel Solis",
        "canonical_url": "https://lendb.ai/lo/daniel-solis-1407785",
        "json_url": "https://lendb.ai/lo/daniel-solis-1407785.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Midlothian",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "GA",
          "MD",
          "NC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/midlothian-va-5207/daniel-solis/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Office in Midlothian, VA",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2019 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-solis-1407785",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/midlothian-va-5207/daniel-solis/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 155629,
        "slug": "mark-davison-155629",
        "full_name": "Mark Davison",
        "canonical_url": "https://lendb.ai/lo/mark-davison-155629",
        "json_url": "https://lendb.ai/lo/mark-davison-155629.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Virginia Beach",
          "state": "VA"
        },
        "licensed_states": [
          "VA"
        ],
        "licenses": [
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
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          "MD",
          "VA"
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        },
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          "CT",
          "DC",
          "DE",
          "GA",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "OH",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
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        "lender_profile_url": "https://firsthome.com/loan-officers/chris-loughlin/",
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        "source_url": "https://firsthome.com/loan-officers/chris-loughlin/"
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        "canonical_url": "https://lendb.ai/lo/lawrence-roussil-112806",
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        "lender_profile_url": "https://www.southerntrust.com/larry-roussil/",
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          "state": "SC"
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            "confidence": "lender_reported"
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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          "state": "FL"
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          "CA",
          "GA",
          "IL",
          "MD",
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          "NH",
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            "confidence": "lender_reported"
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          "IL",
          "MI",
          "MO",
          "MS",
          "NC",
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          "TN",
          "TX",
          "VA",
          "WI"
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          {
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        "years_experience": 21,
        "lender_profile_url": "https://crosscountrymortgage.com/atlanta-ga-4286/shannon-bradshaw/",
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        "json_url": "https://lendb.ai/lo/matthew-brown-1254520.json",
        "lender": {
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          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
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        "branch": {
          "city": "Austin",
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        "licensed_states": [
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          "AL",
          "AR",
          "AZ",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "NH",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NM",
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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