Property types · Arizona
Vacation home loan officers in Arizona
As of 2026-10-09, LenDb lists 39 loan officers licensed in or based in Arizona whose lender pages show Vacation home work. The top-ranked are Pat Fox (Union Home Mortgage, Tigard), John Wintermute (JPMorgan Chase Bank (Chase Home Lending), Tempe) and Ron Haddad (Union Home Mortgage, Arlington Heights). Ranking is lender-neutral: specialty evidence first, then a license in AZ, 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
Pat FoxNMLS 199779
Union Home Mortgage · Tigard, OR · licensed in 6 states
- Vacation home
- First-time buyer
- Real estate investor
- AZ 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)
- States 17 years of experience (lender page, 2026-10-09)
- 2
John WintermuteNMLS 1709605
JPMorgan Chase Bank (Chase Home Lending) · Bank · Tempe, AZ
- Vacation home
- FHA loan
- VA loan
- 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 Tempe, AZ
- Licensed since 2023 (per Florida records)
- 3
Ron HaddadNMLS 204443
Union Home Mortgage · Arlington Heights, IL · licensed in 8 states
- Vacation home
- Down payment assistance
- AZ 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 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 4
Jacqueline AllenNMLS 528786
CrossCountry Mortgage · El Segundo, CA · licensed in 7 states
- Vacation home
- Condo
- Jumbo loan
- Real estate investor
- AZ 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)
- States 25 years of experience (lender page, 2026-10-09)
- 5
Martin Ariel FragalaNMLS 2214467
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- Co-op
- Condo
- FHA loan
- 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 Phoenix, AZ
- 6
Bill BaileyNMLS 151346
JPMorgan Chase Bank (Chase Home Lending) · Bank · Chandler, AZ
- Vacation home
- FHA loan
- Self-employed
- VA loan
- 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 Chandler, AZ
- 7
Gregg DanielNMLS 1226399
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- Jumbo loan
- Self-employed
- 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 Phoenix, AZ
- 8
O'Brian P EnrightNMLS 1967525
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- Co-op
- Condo
- FHA loan
- 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 Phoenix, AZ
- 9
Jason ValadaNMLS 625151
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- Co-op
- Condo
- VA loan
- 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 Phoenix, AZ
- States 14 years of experience (lender page, 2026-10-09)
- 10
Kevin RudrudNMLS 335381
NFM Lending · Kailua-Kona, HI · licensed in 7 states
- Vacation home
- First-time buyer
- FHA loan
- VA loan
- AZ 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)
- 11
Kyle James GdowskiNMLS 1078142
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- Co-op
- Condo
- Self-employed
- 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 Phoenix, AZ
- States 10 years of experience (lender page, 2026-10-09)
- 12
Kyle CaldwellNMLS 1565351
JPMorgan Chase Bank (Chase Home Lending) · Bank · Tempe, AZ
- Vacation home
- VA loan
- FHA loan
- Jumbo loan
- 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 Tempe, AZ
- States 8 years of experience (lender page, 2026-10-09)
- 13
Jerry GrahamNMLS 1631651
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- Down payment assistance
- HELOC
- VA loan
- 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 Phoenix, AZ
- States 8 years of experience (lender page, 2026-10-09)
- 14
Rachel ScowNMLS 883097
JPMorgan Chase Bank (Chase Home Lending) · Bank · Mesa, AZ
- Vacation home
- Down payment assistance
- VA loan
- FHA loan
- 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 Mesa, AZ
- Licensed since 2019 (per Florida records)
- 15
Mitchell G TraversNMLS 1732752
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- Down payment assistance
- Co-op
- Condo
- 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 Phoenix, AZ
- Licensed since 2023 (per Florida records)
- 16
Nick CarterNMLS 200547
Directors Mortgage · Eugene, OR · licensed in 8 states
- Vacation home
- Real estate investor
- AZ 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)
- 17
Marco AfonsoNMLS 2681469
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- HELOC
- FHA loan
- 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 Phoenix, AZ
- Licensed since 2025 (per Colorado records)
- 18
Maria Josie WhiteNMLS 1806969
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- VA loan
- FHA loan
- 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 Phoenix, AZ
- 19
Danielle AndersonNMLS 1842677
Guild Mortgage · Centennial, CO · licensed in 7 states
- Vacation home
- First-time buyer
- AZ 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)
- 20
Lori GallardoNMLS 598853
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- Co-op
- Condo
- VA loan
- 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 Phoenix, AZ
- 21
Garrett OverhiserNMLS 625724
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- Self-employed
- FHA loan
- Jumbo loan
- 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 Phoenix, AZ
- 22
Catherine Louise ErwinNMLS 668392
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- Down payment assistance
- Jumbo loan
- 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 Phoenix, AZ
- 23
Grant SimonsonNMLS 670891
JPMorgan Chase Bank (Chase Home Lending) · Bank · Fountain Hills, AZ
- Vacation home
- Co-op
- Condo
- Jumbo loan
- 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 Fountain Hills, AZ
- 24
Scott SensibaughNMLS 880019
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- Self-employed
- VA loan
- 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 Phoenix, AZ
- 25
Caleb W NaugleNMLS 930181
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- Down payment assistance
- VA loan
- FHA loan
- 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 Phoenix, AZ
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 AZ license is confirmed with the state regulator (check mark), AZ 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=AZ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.