---
canonical_url: https://lendb.ai/s/vacation-home/arizona
last_verified: 2026-10-09
---

# 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.

## Ranked, with reasons

1. **[Pat Fox](https://lendb.ai/lo/pat-fox-199779)** (NMLS 199779), Union Home Mortgage, Tigard, OR
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 17 years of experience (lender page, 2026-10-09)
2. **[John Wintermute](https://lendb.ai/lo/john-wintermute-1709605)** (NMLS 1709605), JPMorgan Chase Bank (Chase Home Lending), Tempe, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Tempe, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Licensed since 2023 (per Florida records)
3. **[Ron Haddad](https://lendb.ai/lo/ronald-haddad-204443)** (NMLS 204443), Union Home Mortgage, Arlington Heights, IL
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
4. **[Jacqueline Allen](https://lendb.ai/lo/jacqueline-allen-528786)** (NMLS 528786), CrossCountry Mortgage, El Segundo, CA
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
   - States 25 years of experience (lender page, 2026-10-09)
5. **[Martin Ariel Fragala](https://lendb.ai/lo/martin-ariel-fragala-2214467)** (NMLS 2214467), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
6. **[Bill Bailey](https://lendb.ai/lo/bill-bailey-151346)** (NMLS 151346), JPMorgan Chase Bank (Chase Home Lending), Chandler, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Chandler, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
7. **[Gregg Daniel](https://lendb.ai/lo/gregg-daniel-1226399)** (NMLS 1226399), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
8. **[O'Brian P Enright](https://lendb.ai/lo/o-brian-p-enright-1967525)** (NMLS 1967525), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
9. **[Jason Valada](https://lendb.ai/lo/jason-valada-625151)** (NMLS 625151), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 14 years of experience (lender page, 2026-10-09)
10. **[Kevin Rudrud](https://lendb.ai/lo/kevin-rudrud-335381)** (NMLS 335381), NFM Lending, Kailua-Kona, HI
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
11. **[Kyle James Gdowski](https://lendb.ai/lo/kyle-james-gdowski-1078142)** (NMLS 1078142), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 10 years of experience (lender page, 2026-10-09)
12. **[Kyle Caldwell](https://lendb.ai/lo/kyle-caldwell-1565351)** (NMLS 1565351), JPMorgan Chase Bank (Chase Home Lending), Tempe, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Tempe, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 8 years of experience (lender page, 2026-10-09)
13. **[Jerry Graham](https://lendb.ai/lo/jerry-graham-1631651)** (NMLS 1631651), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - States 8 years of experience (lender page, 2026-10-09)
14. **[Rachel Scow](https://lendb.ai/lo/rachel-scow-883097)** (NMLS 883097), JPMorgan Chase Bank (Chase Home Lending), Mesa, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Mesa, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Licensed since 2019 (per Florida records)
15. **[Mitchell G Travers](https://lendb.ai/lo/mitchell-travers-1732752)** (NMLS 1732752), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Licensed since 2023 (per Florida records)
16. **[Nick Carter](https://lendb.ai/lo/nick-carter-200547)** (NMLS 200547), Directors Mortgage, Eugene, OR
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
17. **[Marco Afonso](https://lendb.ai/lo/marco-afonso-2681469)** (NMLS 2681469), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
   - Licensed since 2025 (per Colorado records)
18. **[Maria Josie White](https://lendb.ai/lo/maria-josie-white-1806969)** (NMLS 1806969), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
19. **[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)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2024 (per Colorado records)
20. **[Lori Gallardo](https://lendb.ai/lo/lori-gallardo-598853)** (NMLS 598853), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
21. **[Garrett Overhiser](https://lendb.ai/lo/garrett-overhiser-625724)** (NMLS 625724), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
22. **[Catherine Louise Erwin](https://lendb.ai/lo/catherine-louise-erwin-668392)** (NMLS 668392), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
23. **[Grant Simonson](https://lendb.ai/lo/grant-simonson-670891)** (NMLS 670891), JPMorgan Chase Bank (Chase Home Lending), Fountain Hills, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Fountain Hills, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
24. **[Scott Sensibaugh](https://lendb.ai/lo/scott-sensibaugh-880019)** (NMLS 880019), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
25. **[Caleb W Naugle](https://lendb.ai/lo/caleb-w-naugle-930181)** (NMLS 930181), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Phoenix, AZ
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; 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/arizona.

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