Property types · Alabama
Vacation home loan officers in Alabama
As of 2026-10-09, LenDb lists 7 loan officers licensed in or based in Alabama whose lender pages show Vacation home work. The top-ranked are Jessica Ochoa (Fairway Independent Mortgage Corporation, Richmond Hill), Robert Carter (Highlands Residential Mortgage, Knoxville) and Danielle Anderson (Guild Mortgage, Centennial). Ranking is lender-neutral: specialty evidence first, then a license in AL, 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 7
- 1
Jessica OchoaNMLS 525089
Fairway Independent Mortgage Corporation · Richmond Hill, GA · licensed in 5 states
- Vacation home
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 2
Robert CarterNMLS 898005
Highlands Residential Mortgage · Knoxville, TN · licensed in 8 states
- Vacation home
- Condo
- Construction loan
- Manufactured home
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 3
Danielle AndersonNMLS 1842677
Guild Mortgage · Centennial, CO · licensed in 7 states
- Vacation home
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Colorado records)
- 4
Deric JacksonNMLS 2234013
JPMorgan Chase Bank (Chase Home Lending) · Bank · Hoover, AL
- Vacation home
- Self-employed
- First-time buyer
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Hoover, AL
- 5
Bill RanceNMLS 2779120
Loan Factory · Mortgage broker · licensed in 4 states
- Vacation home
- Construction loan
- Real estate investor
- Renovation loan (203k / HomeStyle)
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- 6
Cody TealNMLS 65382
First Citizens Bank · Bank · Wilmington, NC · licensed in 33 states
- Vacation home
- Construction loan
- First-time buyer
- Jumbo loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- 7
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Vacation home
- Down payment assistance
- Physician and medical professional
- HELOC
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
Before you choose
Occupancy rules decide whether it is a second home or an investment property, which changes pricing and down payment.
- Will this qualify as a second home or an investment property?
- Can I rent it out part time and keep second home pricing?
- How do you treat short-term rental income?
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 AL license is confirmed with the state regulator (check mark), AL 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=vacation-home&state=AL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.