--- canonical_url: https://lendb.ai/s/renovation/virginia last_verified: 2026-10-09 --- # Renovation loan officers in Virginia 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. ## Ranked, with reasons 1. **[James F. Gaudiosi](https://lendb.ai/lo/james-f-gaudiosi-474088)** (NMLS 474088), Atlantic Coast Mortgage, Fairfax, VA - 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) 2. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - 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) 3. **[Ray Ward](https://lendb.ai/lo/ray-ward-264957)** (NMLS 264957), Atlantic Coast Mortgage - 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) 4. **[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) - 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) 5. **[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) - 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) 6. **[Daniel Solis](https://lendb.ai/lo/daniel-solis-1407785)** (NMLS 1407785), CrossCountry Mortgage, Midlothian, VA - 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) 7. **[Mark Davison](https://lendb.ai/lo/mark-davison-155629)** (NMLS 155629), CrossCountry Mortgage, Virginia Beach, VA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Virginia Beach, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 28 years of experience (lender page, 2026-10-09) 8. **[Bryan Sumardi](https://lendb.ai/lo/bryan-sumardi-1984869)** (NMLS 1984869), CrossCountry Mortgage, North Bethesda, MD - 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) 9. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 10. **[Larry Roussil](https://lendb.ai/lo/lawrence-roussil-112806)** (NMLS 112806), Southern Trust Mortgage, Annapolis, MD - 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 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 11. **[Matt Mieras](https://lendb.ai/lo/matthew-mieras-245686)** (NMLS 245686), Guild Mortgage, Charleston, SC - 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 2016 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 12. **[Chris Dahlgaard](https://lendb.ai/lo/eric-dahlgaard-337672)** (NMLS 337672), CrossCountry Mortgage, Tampa, FL - 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 2011 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 13. **[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) - VA 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) 14. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) 15. **[Vince Curcio](https://lendb.ai/lo/vincent-curcio-102096)** (NMLS 102096), First Heritage Mortgage - 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 2021 (per Florida records) 16. **[Marilyn Mikan](https://lendb.ai/lo/marilyn-mikan-589352)** (NMLS 589352), Southern Trust Mortgage, Fayetteville, NC - 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 25 years of experience (lender page, 2026-10-09) 17. **[Amy Altenburg](https://lendb.ai/lo/amy-altenburg-820600)** (NMLS 820600), Southern Trust Mortgage, Annapolis, MD - 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 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 18. **[Chris Norwood](https://lendb.ai/lo/chris-norwood-248771)** (NMLS 248771), TowneBank Mortgage, Chesterfield, VA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Chesterfield, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Jeanne Bidwell](https://lendb.ai/lo/jeanne-bidwell-313615)** (NMLS 313615), First Heritage Mortgage - 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 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 20. **[Brad Zerbe](https://lendb.ai/lo/bradley-zerbe-161236)** (NMLS 161236), NFM Lending, Haddonfield, NJ - 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) 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) - VA 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. **[Danielle Finch](https://lendb.ai/lo/danielle-finch-1233551)** (NMLS 1233551), Fairway Independent Mortgage Corporation, Gainesville, VA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Gainesville, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Tammi Printz](https://lendb.ai/lo/tammi-printz-455836)** (NMLS 455836), First Home Mortgage, Annapolis, MD - 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) 24. **[Courtland Parnell](https://lendb.ai/lo/john-parnell-1401188)** (NMLS 1401188), Southern Trust Mortgage, Wilmington, NC - 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 2022 (per Florida records) 25. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (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/virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._