--- canonical_url: https://lendb.ai/s/vacation-home/california last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[Daniel Patrick Nacarato](https://lendb.ai/lo/daniel-nacarato-247584)** (NMLS 247584), Barrett Financial Group, Chandler, AZ - Lists Vacation home on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 2. **[Eevon Aw](https://lendb.ai/lo/eevon-aw-895550)** (NMLS 895550), JPMorgan Chase Bank (Chase Home Lending), San Jose, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in San Jose, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 13 years of experience (lender page, 2026-10-09) 3. **[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) - CA 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) 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) - Office in El Segundo, CA - CA 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. **[Roxana Rodriguez](https://lendb.ai/lo/roxana-rodriguez-459665)** (NMLS 459665), JPMorgan Chase Bank (Chase Home Lending), San Bernardino, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in San Bernardino, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 17 years of experience (lender page, 2026-10-09) 6. **[Bobby Shamlou](https://lendb.ai/lo/bobby-shamlou-342475)** (NMLS 342475), JPMorgan Chase Bank (Chase Home Lending), Morgan Hill, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Morgan Hill, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 7. **[Craig Carlson](https://lendb.ai/lo/craig-carlson-377577)** (NMLS 377577), JPMorgan Chase Bank (Chase Home Lending), Hesperia, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Hesperia, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 8. **[Richard Paulson](https://lendb.ai/lo/richard-paulson-448575)** (NMLS 448575), JPMorgan Chase Bank (Chase Home Lending), Redlands, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Redlands, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 9. **[Paul Perrone](https://lendb.ai/lo/paul-perrone-453231)** (NMLS 453231), JPMorgan Chase Bank (Chase Home Lending), Costa Mesa, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Costa Mesa, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 10. **[Nathan Correa](https://lendb.ai/lo/nathan-correa-591537)** (NMLS 591537), JPMorgan Chase Bank (Chase Home Lending), Pleasant Hill, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Pleasant Hill, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 11. **[Shawna Watson](https://lendb.ai/lo/shawna-watson-666572)** (NMLS 666572), JPMorgan Chase Bank (Chase Home Lending), Monterey, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Monterey, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 12. **[Chris Noceti](https://lendb.ai/lo/chris-noceti-360753)** (NMLS 360753), JPMorgan Chase Bank (Chase Home Lending), San Francisco, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in San Francisco, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 13. **[Kathy A Liu](https://lendb.ai/lo/kathy-a-liu-410091)** (NMLS 410091), JPMorgan Chase Bank (Chase Home Lending), San Francisco, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in San Francisco, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Paul Pereira](https://lendb.ai/lo/paul-pereira-923777)** (NMLS 923777), JPMorgan Chase Bank (Chase Home Lending), San Jose, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in San Jose, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 15. **[Ali Kouhi](https://lendb.ai/lo/ali-kouhi-883069)** (NMLS 883069), JPMorgan Chase Bank (Chase Home Lending), Orange, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Orange, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2012 (per Florida records) 16. **[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) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists Vacation home on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 18. **[Justin Noel](https://lendb.ai/lo/justin-noel-2126847)** (NMLS 2126847), Guild Mortgage, Boulder, CO - Lists Vacation home on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) - States 4 years of experience (lender page, 2026-10-09) 19. **[Celeste Jennings](https://lendb.ai/lo/celeste-jennings-460005)** (NMLS 460005), JPMorgan Chase Bank (Chase Home Lending), El Cerrito, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in El Cerrito, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Matthew Redman](https://lendb.ai/lo/matthew-redman-653015)** (NMLS 653015), JPMorgan Chase Bank (Chase Home Lending), San Diego, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Chelsy Jae Combs](https://lendb.ai/lo/chelsy-combs-1091936)** (NMLS 1091936), Guild Mortgage, Truckee, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Truckee, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[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) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Deanne Moore](https://lendb.ai/lo/deanne-moore-1849847)** (NMLS 1849847), JPMorgan Chase Bank (Chase Home Lending), Riverside, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Riverside, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2024 (per Florida records) 24. **[Jimmy Yu](https://lendb.ai/lo/jimmy-yu-245893)** (NMLS 245893), JPMorgan Chase Bank (Chase Home Lending), La Crescenta, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in La Crescenta, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 25. **[Jennifer Zeng](https://lendb.ai/lo/jennifer-zeng-291305)** (NMLS 291305), JPMorgan Chase Bank (Chase Home Lending), Sunnyvale, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Sunnyvale, CA - 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/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._