---
canonical_url: https://lendb.ai/s/vacation-home/alabama
last_verified: 2026-10-10
---

# Vacation home loan officers in Alabama

As of 2026-10-10, LenDb lists 8 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.

## Ranked, with reasons

1. **[Jessica Ochoa](https://lendb.ai/lo/jessica-ochoa-525089)** (NMLS 525089), Fairway Independent Mortgage Corporation, Richmond Hill, GA
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)
2. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
3. **[Danielle Anderson](https://lendb.ai/lo/danielle-anderson-1842677)** (NMLS 1842677), Guild Mortgage, Centennial, CO
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2024 (per Colorado records)
4. **[Deric Jackson](https://lendb.ai/lo/deric-jackson-2234013)** (NMLS 2234013), JPMorgan Chase Bank (Chase Home Lending), Hoover, AL
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Hoover, AL
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
5. **[Bill Rance](https://lendb.ai/lo/william-rance-2779120)** (NMLS 2779120), Loan Factory
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)
6. **[Corey Riggs](https://lendb.ai/lo/corey-riggs-146741)** (NMLS 146741), Edge Home Finance, Swansboro, NC
   - Lists Vacation home on lender page (lender page, verified 2026-10-10)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2020 (per Florida records)
7. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
8. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/vacation-home/alabama.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._