Property types · Colorado
Vacation home loan officers in Colorado
As of 2026-10-10, LenDb lists 25 loan officers licensed in or based in Colorado whose lender pages show Vacation home work. The top-ranked are Daniel Patrick Nacarato (Barrett Financial Group, Chandler), Josh Penland (Fairway Independent Mortgage Corporation, Round Rock) and Scott Forster (JPMorgan Chase Bank (Chase Home Lending), Fishers). Ranking is lender-neutral: specialty evidence first, then a license in CO, 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
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
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100526378), verified 2026-10-10
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Earliest state license record: August 10, 2021 (Colorado), per state regulator
- States 25 years of experience (lender page, 2026-10-09)
- 2
Josh PenlandNMLS 216357
Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states
- Vacation home
- First-time buyer
- Jumbo loan
- Real estate investor
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100535023), verified 2026-10-10
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Earliest state license record: October 17, 2022 (Colorado), per state regulator
- States 23 years of experience (lender page, 2026-10-09)
- 3
Scott ForsterNMLS 142038
JPMorgan Chase Bank (Chase Home Lending) · Bank · Fishers, IN · licensed in 2 states
- Vacation home
- FHA loan
- Jumbo loan
- VA loan
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100536920), verified 2026-10-10
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Earliest state license record: April 18, 2023 (Florida), per state regulator
- 4
Kellie BuchananNMLS 744052
Highlands Residential Mortgage · Angel Fire, NM · licensed in 6 states
- Vacation home
- Down payment assistance
- Condo
- Manufactured home
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100514821), verified 2026-10-10
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Earliest state license record: August 7, 2019 (Colorado), per state regulator
- States 34 years of experience (lender page, 2026-10-09)
- 5
Amber GarofaloNMLS 518359
CrossCountry Mortgage · White Bear Lake, MN · licensed in 4 states
- Vacation home
- Construction loan
- Real estate investor
- CO 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)
- Earliest state license record: September 3, 2021 (Florida), per state regulator
- 6
Harrison SangsterNMLS 1832888
CrossCountry Mortgage · Lake Placid, NY · licensed in 4 states
- Vacation home
- Real estate investor
- FHA loan
- First-time buyer
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100537825), verified 2026-10-10
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Earliest state license record: February 27, 2020 (Florida), per state regulator
- 7
Justin NoelNMLS 2126847
Guild Mortgage · Boulder, CO · licensed in 2 states
- Vacation home
- First-time buyer
- Jumbo loan
- FHA loan
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100529681), verified 2026-10-10
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Boulder, CO
- Earliest state license record: January 7, 2022 (Colorado), per state regulator
- States 4 years of experience (lender page, 2026-10-09)
- 8
Bryan NiklawskiNMLS 240542
JPMorgan Chase Bank (Chase Home Lending) · Bank · Denver, CO
- Vacation home
- Self-employed
- Jumbo loan
- VA loan
- CO 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 Denver, CO
- Earliest state license record: December 12, 2014 (Florida), per state regulator
- 9
Julia HohmannNMLS 1042668
JPMorgan Chase Bank (Chase Home Lending) · Bank · Greenwood, IN · licensed in 2 states
- Vacation home
- VA loan
- FHA loan
- Self-employed
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100503542), verified 2026-10-10
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Earliest state license record: January 9, 2015 (Florida), per state regulator
- 10
Danielle AndersonNMLS 1842677
Guild Mortgage · Centennial, CO · licensed in 7 states
- Vacation home
- First-time buyer
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100540137), verified 2026-10-10
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Centennial, CO
- Earliest state license record: October 8, 2024 (Colorado), per state regulator
- 11
Sahani DissanayakeNMLS 673469
JPMorgan Chase Bank (Chase Home Lending) · Bank · Birmingham, MI · licensed in 2 states
- Vacation home
- Self-employed
- Jumbo loan
- First-time buyer
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100511735), verified 2026-10-10
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Earliest state license record: May 11, 2018 (Florida), per state regulator
- 12
Ovet Reynoso MartinezNMLS 2237181
JPMorgan Chase Bank (Chase Home Lending) · Bank · McKinney, TX · licensed in 2 states
- Vacation home
- VA loan
- FHA loan
- Self-employed
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100529925), verified 2026-10-10
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Earliest state license record: November 15, 2021 (Florida), per state regulator
- 13
Carson WilkieNMLS 2066136
JPMorgan Chase Bank (Chase Home Lending) · Bank · Coral Springs, FL · licensed in 2 states
- Vacation home
- Co-op
- Condo
- VA loan
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100539690), verified 2026-10-10
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Earliest state license record: April 13, 2021 (Florida), per state regulator
- 14
Kurt ReinhardtNMLS 300863
Lower · Greenwood Village, CO
- Vacation home
- Real estate investor
- CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-10)
- Office in Greenwood Village, CO
- States 25 years of experience (lender page, 2026-10-10)
- 15
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Vacation home
- Bank statement loan
- DSCR loan
- Self-employed
- CO 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)
- Earliest state license record: September 18, 2018 (Florida), per state regulator
- 16
Todd MerrifieldNMLS 406286
JPMorgan Chase Bank (Chase Home Lending) · Bank · Denver, CO
- 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 Denver, CO
- Earliest state license record: July 8, 2021 (Florida), per state regulator
- 17
Marco AfonsoNMLS 2681469
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Vacation home
- HELOC
- FHA loan
- First-time buyer
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100541895), verified 2026-10-10
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Earliest state license record: April 10, 2025 (Colorado), per state regulator
- 18
Marissa GurtlerNMLS 2010289
JPMorgan Chase Bank (Chase Home Lending) · Bank · Denver, CO
- 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 Denver, CO
- Earliest state license record: February 18, 2021 (Florida), per state regulator
- 19
Shayla StoreyNMLS 1731366
Newrez · Troy, MI · licensed in 3 states
- Vacation home
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100512445), verified 2026-10-10
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Earliest state license record: September 24, 2018 (Colorado), per state regulator
- 20
Nick CarterNMLS 200547
Directors Mortgage · Eugene, OR · licensed in 8 states
- Vacation home
- Real estate investor
- CO 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)
- 21
Jeana HaynesNMLS 694612
JPMorgan Chase Bank (Chase Home Lending) · Bank · Highlands Ranch, CO
- Vacation home
- Jumbo loan
- VA 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 Highlands Ranch, CO
- 22
Scott NiklawskiNMLS 76074
JPMorgan Chase Bank (Chase Home Lending) · Bank · Highlands Ranch, CO
- Vacation home
- 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 Highlands Ranch, CO
- 23
Jason BrennanNMLS 409896
JPMorgan Chase Bank (Chase Home Lending) · Bank · Boulder, CO
- 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 Boulder, CO
- 24
James PattersonNMLS 453345
JPMorgan Chase Bank (Chase Home Lending) · Bank · Longmont, CO
- 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 Longmont, CO
- 25
Jana Fay-BarkerNMLS 623493
JPMorgan Chase Bank (Chase Home Lending) · Bank · Loveland, CO
- 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 Loveland, CO
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 CO license is confirmed with the state regulator (check mark), CO 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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=CO. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.