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Loan programs · Washington

Renovation loan officers in Washington

As of 2026-10-09, LenDb lists 82 loan officers licensed in or based in Washington whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Shelley Covington (Intercap Lending, Kirkland), Pamela Valadez (American Pacific Mortgage, Everett) and Kevin Hassan (American Pacific Mortgage, Everett). Ranking is lender-neutral: specialty evidence first, then a license in WA, 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. 1

    Shelley CovingtonNMLS 102076

    Intercap Lending · Kirkland, WA · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 25 years experience (stated on lender page, 2026-10-09)
  2. 2

    Pamela ValadezNMLS 74006

    American Pacific Mortgage · Everett, WA

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Jumbo loan
    • Manufactured home
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 20 years experience (stated on lender page, 2026-10-09)
  3. 3

    Kevin HassanNMLS 674086

    American Pacific Mortgage · Everett, WA

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • FHA loan
    • USDA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 25 years experience (stated on lender page, 2026-10-09)
  4. 4

    Bill ClarkNMLS 220837

    Fairway Independent Mortgage Corporation · Clackamas, OR · licensed in 2 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • USDA loan
    • VA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 27 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  5. 5

    Bill GaylordNMLS 680603

    Guild Mortgage · Henderson, NV · licensed in 7 states

    • Renovation loan (203k / HomeStyle)
    • DSCR loan
    • FHA loan
    • Jumbo loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 33 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  6. 6

    Sunny LarsenNMLS 505811

    CrossCountry Mortgage · Puyallup, WA · licensed in 8 states

    • Renovation loan (203k / HomeStyle)
    • Jumbo loan
    • New construction
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 4 years licensed
  7. 7

    Michelle MuqtadirNMLS 143470

    CrossCountry Mortgage · Seattle, WA · licensed in 11 states

    • Renovation loan (203k / HomeStyle)
    • Jumbo loan
    • Low credit score
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 3 years licensed
  8. 8

    Greg WilcoxNMLS 277718

    Loan Factory · licensed in 5 states

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 26 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  9. 9

    Gilbert SalazarNMLS 344711

    Guild Mortgage · Irvine, CA · licensed in 7 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    Heidi GreenNMLS 344768

    CrossCountry Mortgage · Seattle, WA · licensed in 5 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • Reverse mortgage
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 20 years experience (stated on lender page, 2026-10-09)
  11. 11

    Catherine RixeyNMLS 502160

    Guild Mortgage · Wenatchee, WA · licensed in 4 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • First-time buyer
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • No disciplinary actions on file at LenDb
  12. 12

    Evan LuchacoNMLS 887608

    Churchill Mortgage · Portland, OR · licensed in 12 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Self-employed
    • VA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 12 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  13. 13

    Don R. OneidaNMLS 55604

    Loan Factory · Ferndale, WA

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Recent credit event
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 24 years experience (stated on lender page, 2026-10-09)
  14. 14

    Sandee LutzNMLS 533656

    CrossCountry Mortgage · Romeo, MI · licensed in 29 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Chris CayoNMLS 854164

    Guild Mortgage · Vancouver, WA · licensed in 2 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • USDA loan
    • VA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • No disciplinary actions on file at LenDb
  16. 16

    Heidi GageNMLS 213769

    NFM Lending · Linthicum, MD · licensed in 27 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • VA loan
    • Jumbo loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Davin CrowNMLS 1850024

    Barrett Financial Group · Chandler, AZ · licensed in 6 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • VA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Marco GuerraNMLS 453621

    Guild Mortgage · Santa Rosa, CA · licensed in 15 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Reverse mortgage
    • VA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Jonathan HayhurstNMLS 1820658

    American Pacific Mortgage · Vancouver, WA · licensed in 2 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 WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • No disciplinary actions on file at LenDb
  20. 20

    Mark IrwinNMLS 316203

    Directors Mortgage · Lake Oswego, OR · licensed in 2 states

    • Renovation loan (203k / HomeStyle)
    • Real estate investor
    • VA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 40 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Loraine MartinezNMLS 693137

    BECU · Kirkland, WA

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • VA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
    • 40 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  22. 22

    Bill YoungNMLS 66330

    American Pacific Mortgage · Bellingham, WA · licensed in 3 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 WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • No disciplinary actions on file at LenDb
  23. 23

    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 WA (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Stephen BakerNMLS 432353

    Guild Mortgage · Portland, OR · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Construction loan
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  25. 25

    Christine ReinoNMLS 896237

    Churchill Mortgage · McCall, ID · licensed in 4 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 WA (listed on lender page, verified 2026-10-09)
    • 0 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 WA 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=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.