Property types · California

Vacation home loan officers in California

As of 2026-10-09, LenDb lists 78 loan officers licensed in or based in California whose lender pages show Vacation home work. The top-ranked are Daniel Patrick Nacarato (Barrett Financial Group, Chandler), Eevon Aw (JPMorgan Chase Bank (Chase Home Lending), San Jose) and Pat Fox (Union Home Mortgage, Tigard). Ranking is lender-neutral: specialty evidence first, then a license in CA, 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. 1

    Daniel Patrick NacaratoNMLS 247584

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 5 states

    • Vacation home
    • First-time buyer
    • Real estate investor
    • VA loan
    • CA 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 Colorado records)
    • States 25 years of experience (lender page, 2026-10-09)
  2. 2

    Eevon AwNMLS 895550

    JPMorgan Chase Bank (Chase Home Lending) · Bank · San Jose, CA

    • Vacation home
    • FHA loan
    • Self-employed
    • CA 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)
    • Office in San Jose, CA
    • States 13 years of experience (lender page, 2026-10-09)
  3. 3

    Pat FoxNMLS 199779

    Union Home Mortgage · Tigard, OR · licensed in 6 states

    • Vacation home
    • First-time buyer
    • Real estate investor
    • CA 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)
  4. 4

    Jacqueline AllenNMLS 528786

    CrossCountry Mortgage · El Segundo, CA · licensed in 7 states

    • Vacation home
    • Condo
    • Jumbo loan
    • Real estate investor
    • CA 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)
    • Office in El Segundo, CA
    • Licensed since 2021 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  5. 5

    Roxana RodriguezNMLS 459665

    JPMorgan Chase Bank (Chase Home Lending) · Bank · San Bernardino, CA

    • 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 San Bernardino, CA
    • States 17 years of experience (lender page, 2026-10-09)
  6. 6

    Bobby ShamlouNMLS 342475

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Morgan Hill, CA

    • Vacation home
    • 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 Morgan Hill, CA
  7. 7

    Craig CarlsonNMLS 377577

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Hesperia, CA

    • Vacation home
    • FHA loan
    • Jumbo 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 Hesperia, CA
  8. 8

    Richard PaulsonNMLS 448575

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Redlands, CA

    • Vacation home
    • Self-employed
    • 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 Redlands, CA
  9. 9

    Paul PerroneNMLS 453231

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Costa Mesa, CA

    • Vacation home
    • Jumbo loan
    • Self-employed
    • 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 Costa Mesa, CA
  10. 10

    Nathan CorreaNMLS 591537

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Pleasant Hill, CA

    • 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 Pleasant Hill, CA
  11. 11

    Shawna WatsonNMLS 666572

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Monterey, CA

    • 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 Monterey, CA
  12. 12

    Chris NocetiNMLS 360753

    JPMorgan Chase Bank (Chase Home Lending) · Bank · San Francisco, CA

    • 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 San Francisco, CA
  13. 13

    Kathy A LiuNMLS 410091

    JPMorgan Chase Bank (Chase Home Lending) · Bank · San Francisco, CA

    • 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 San Francisco, CA
  14. 14

    Paul PereiraNMLS 923777

    JPMorgan Chase Bank (Chase Home Lending) · Bank · San Jose, CA

    • Vacation home
    • Self-employed
    • 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 San Jose, CA
  15. 15

    Ali KouhiNMLS 883069

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Orange, CA

    • Vacation home
    • Self-employed
    • 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 Orange, CA
    • Licensed since 2012 (per Florida records)
  16. 16

    Kevin RudrudNMLS 335381

    NFM Lending · Kailua-Kona, HI · licensed in 7 states

    • Vacation home
    • First-time buyer
    • FHA loan
    • VA loan
    • CA 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. 17

    Jason FoxNMLS 179208

    NFM Lending · Frederick, MD · licensed in 18 states

    • Vacation home
    • Bank statement loan
    • DSCR loan
    • Self-employed
    • CA 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 2018 (per Florida records)
  18. 18

    Justin NoelNMLS 2126847

    Guild Mortgage · Boulder, CO · licensed in 2 states

    • Vacation home
    • First-time buyer
    • Jumbo loan
    • FHA loan
    • CA 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 Colorado records)
    • States 4 years of experience (lender page, 2026-10-09)
  19. 19

    Celeste JenningsNMLS 460005

    JPMorgan Chase Bank (Chase Home Lending) · Bank · El Cerrito, CA

    • Vacation home
    • Self-employed
    • Jumbo loan
    • CA 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)
    • Office in El Cerrito, CA
  20. 20

    Matthew RedmanNMLS 653015

    JPMorgan Chase Bank (Chase Home Lending) · Bank · San Diego, CA

    • Vacation home
    • VA loan
    • FHA loan
    • Self-employed
    • CA 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)
    • Office in San Diego, CA
  21. 21

    Chelsy Jae CombsNMLS 1091936

    Guild Mortgage · Truckee, CA · licensed in 2 states

    • Vacation home
    • Real estate investor
    • CA 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)
    • Office in Truckee, CA
  22. 22

    Nick CarterNMLS 200547

    Directors Mortgage · Eugene, OR · licensed in 8 states

    • Vacation home
    • Real estate investor
    • CA 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)
  23. 23

    Deanne MooreNMLS 1849847

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Riverside, CA

    • 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 Riverside, CA
    • Licensed since 2024 (per Florida records)
  24. 24

    Jimmy YuNMLS 245893

    JPMorgan Chase Bank (Chase Home Lending) · Bank · La Crescenta, CA

    • Vacation home
    • Down payment assistance
    • 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 La Crescenta, CA
  25. 25

    Jennifer ZengNMLS 291305

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Sunnyvale, CA

    • Vacation home
    • 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 Sunnyvale, CA

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?

More about Vacation home

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 CA license is confirmed with the state regulator (check mark), CA 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=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.