--- canonical_url: https://lendb.ai/s/renovation/washington last_verified: 2026-10-09 --- # Renovation loan officers in Washington As of 2026-10-09, LenDb lists 86 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. ## Ranked, with reasons 1. **[Shelley Covington](https://lendb.ai/lo/shelley-covington-102076)** (NMLS 102076), Intercap Lending, Kirkland, WA - 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) - No disciplinary actions on file at LenDb 2. **[Pamela Valadez](https://lendb.ai/lo/pamela-valadez-74006)** (NMLS 74006), American Pacific Mortgage, Everett, WA - 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) - No disciplinary actions on file at LenDb 3. **[Kevin Hassan](https://lendb.ai/lo/kevin-hassan-674086)** (NMLS 674086), American Pacific Mortgage, Everett, WA - 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) - No disciplinary actions on file at LenDb 4. **[Bill Clark](https://lendb.ai/lo/bill-clark-220837)** (NMLS 220837), Fairway Independent Mortgage Corporation, Clackamas, OR - 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. **[Michelle Muqtadir](https://lendb.ai/lo/michelle-muqtadir-143470)** (NMLS 143470), CrossCountry Mortgage, Seattle, WA - 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 - No disciplinary actions on file at LenDb 6. **[Heidi Green](https://lendb.ai/lo/heidi-green-344768)** (NMLS 344768), CrossCountry Mortgage, Seattle, WA - 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) - No disciplinary actions on file at LenDb 7. **[Debra Montgomery](https://lendb.ai/lo/debra-montgomery-505247)** (NMLS 505247), CrossCountry Mortgage, Seattle, WA - 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 - 23 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 8. **[Bill Gaylord](https://lendb.ai/lo/bill-gaylord-680603)** (NMLS 680603), Guild Mortgage, Henderson, NV - 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 9. **[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) - Licensed in WA (listed on lender page, verified 2026-10-09) - 6 years licensed - No disciplinary actions on file at LenDb 10. **[Greg Wilcox](https://lendb.ai/lo/greg-wilcox-277718)** (NMLS 277718), Loan Factory - 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 11. **[Catherine Rixey](https://lendb.ai/lo/catherine-rixey-502160)** (NMLS 502160), Guild Mortgage, Wenatchee, WA - 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. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR - 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. **[Don R. Oneida](https://lendb.ai/lo/don-r-oneida-55604)** (NMLS 55604), Loan Factory, Ferndale, WA - 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) - No disciplinary actions on file at LenDb 14. **[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) - Licensed in WA (listed on lender page, verified 2026-10-09) - 0 years licensed - No disciplinary actions on file at LenDb 15. **[Chris Cayo](https://lendb.ai/lo/chris-cayo-854164)** (NMLS 854164), Guild Mortgage, Vancouver, WA - 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. **[Heidi Gage](https://lendb.ai/lo/heidi-gage-213769)** (NMLS 213769), NFM Lending, Linthicum, MD - 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. **[Davin Crow](https://lendb.ai/lo/davin-crow-1850024)** (NMLS 1850024), Barrett Financial Group, Chandler, AZ - 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. **[Jonathan Hayhurst](https://lendb.ai/lo/jonathan-hayhurst-1820658)** (NMLS 1820658), American Pacific Mortgage, Vancouver, WA - 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 19. **[Mark Irwin](https://lendb.ai/lo/mark-irwin-316203)** (NMLS 316203), Directors Mortgage, Lake Oswego, OR - 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 20. **[Tina Clark](https://lendb.ai/lo/christina-clark-413597)** (NMLS 413597), Guild Mortgage, Scottsdale, AZ - 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) - No disciplinary actions on file at LenDb 21. **[Loraine Martinez](https://lendb.ai/lo/loraine-martinez-693137)** (NMLS 693137), BECU, Kirkland, WA - 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. **[Bill Young](https://lendb.ai/lo/bill-young-66330)** (NMLS 66330), American Pacific Mortgage, Bellingham, WA - 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. **[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) - Licensed in WA (listed on lender page, verified 2026-10-09) - 10 years licensed - No disciplinary actions on file at LenDb 24. **[Jared Evenson](https://lendb.ai/lo/jared-evenson-104085)** (NMLS 104085), CrossCountry Mortgage, Spokane Valley, WA - 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 - 0 years licensed - No disciplinary actions on file at LenDb 25. **[Chavawne Mercado](https://lendb.ai/lo/chavawne-mercado-1461258)** (NMLS 1461258), CrossCountry Mortgage, Gig Harbor, WA - 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 ## 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/washington. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._