--- canonical_url: https://lendb.ai/s/vacation-home/colorado last_verified: 2026-10-10 --- # 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. ## 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) - Licensed in CO: confirmed with the Colorado regulator (license 100526378), verified 2026-10-10 - Earliest state license record: August 10, 2021 (Colorado), per state regulator - States 25 years of experience (lender page, 2026-10-09) 2. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100535023), verified 2026-10-10 - Earliest state license record: October 17, 2022 (Colorado), per state regulator - States 23 years of experience (lender page, 2026-10-09) 3. **[Scott Forster](https://lendb.ai/lo/scott-forster-142038)** (NMLS 142038), JPMorgan Chase Bank (Chase Home Lending), Fishers, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100536920), verified 2026-10-10 - Earliest state license record: April 18, 2023 (Florida), per state regulator 4. **[Kellie Buchanan](https://lendb.ai/lo/kellie-buchanan-744052)** (NMLS 744052), Highlands Residential Mortgage, Angel Fire, NM - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100514821), verified 2026-10-10 - Earliest state license record: August 7, 2019 (Colorado), per state regulator - States 34 years of experience (lender page, 2026-10-09) 5. **[Amber Garofalo](https://lendb.ai/lo/amber-garofalo-518359)** (NMLS 518359), CrossCountry Mortgage, White Bear Lake, MN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 3, 2021 (Florida), per state regulator 6. **[Harrison Sangster](https://lendb.ai/lo/harrison-sangster-1832888)** (NMLS 1832888), CrossCountry Mortgage, Lake Placid, NY - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100537825), verified 2026-10-10 - Earliest state license record: February 27, 2020 (Florida), per state regulator 7. **[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) - Office in Boulder, CO - Licensed in CO: confirmed with the Colorado regulator (license 100529681), verified 2026-10-10 - Earliest state license record: January 7, 2022 (Colorado), per state regulator - States 4 years of experience (lender page, 2026-10-09) 8. **[Bryan Niklawski](https://lendb.ai/lo/bryan-niklawski-240542)** (NMLS 240542), JPMorgan Chase Bank (Chase Home Lending), Denver, CO - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Denver, CO - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 12, 2014 (Florida), per state regulator 9. **[Julia Hohmann](https://lendb.ai/lo/julia-hohmann-1042668)** (NMLS 1042668), JPMorgan Chase Bank (Chase Home Lending), Greenwood, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100503542), verified 2026-10-10 - Earliest state license record: January 9, 2015 (Florida), per state regulator 10. **[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) - Office in Centennial, CO - Licensed in CO: confirmed with the Colorado regulator (license 100540137), verified 2026-10-10 - Earliest state license record: October 8, 2024 (Colorado), per state regulator 11. **[Sahani Dissanayake](https://lendb.ai/lo/sahani-dissanayake-673469)** (NMLS 673469), JPMorgan Chase Bank (Chase Home Lending), Birmingham, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100511735), verified 2026-10-10 - Earliest state license record: May 11, 2018 (Florida), per state regulator 12. **[Ovet Reynoso Martinez](https://lendb.ai/lo/ovet-reynoso-martinez-2237181)** (NMLS 2237181), JPMorgan Chase Bank (Chase Home Lending), McKinney, TX - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100529925), verified 2026-10-10 - Earliest state license record: November 15, 2021 (Florida), per state regulator 13. **[Carson Wilkie](https://lendb.ai/lo/carson-wilkie-2066136)** (NMLS 2066136), JPMorgan Chase Bank (Chase Home Lending), Coral Springs, FL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100539690), verified 2026-10-10 - Earliest state license record: April 13, 2021 (Florida), per state regulator 14. **[Kurt Reinhardt](https://lendb.ai/lo/kurt-reinhardt-300863)** (NMLS 300863), Lower, Greenwood Village, CO - Lists Vacation home on lender page (lender page, verified 2026-10-10) - Office in Greenwood Village, CO - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-10) 15. **[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) - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 18, 2018 (Florida), per state regulator 16. **[Todd Merrifield](https://lendb.ai/lo/todd-merrifield-406286)** (NMLS 406286), JPMorgan Chase Bank (Chase Home Lending), Denver, CO - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Denver, CO - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Earliest state license record: July 8, 2021 (Florida), per state regulator 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) - Licensed in CO: confirmed with the Colorado regulator (license 100541895), verified 2026-10-10 - Earliest state license record: April 10, 2025 (Colorado), per state regulator 18. **[Marissa Gurtler](https://lendb.ai/lo/marissa-gurtler-2010289)** (NMLS 2010289), JPMorgan Chase Bank (Chase Home Lending), Denver, CO - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Denver, CO - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Earliest state license record: February 18, 2021 (Florida), per state regulator 19. **[Shayla Storey](https://lendb.ai/lo/shayla-storey-1731366)** (NMLS 1731366), Newrez, Troy, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in CO: confirmed with the Colorado regulator (license 100512445), verified 2026-10-10 - Earliest state license record: September 24, 2018 (Colorado), per state regulator 20. **[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) - CO listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Jeana Haynes](https://lendb.ai/lo/jeana-haynes-694612)** (NMLS 694612), JPMorgan Chase Bank (Chase Home Lending), Highlands Ranch, CO - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Highlands Ranch, CO - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 22. **[Scott Niklawski](https://lendb.ai/lo/scott-niklawski-76074)** (NMLS 76074), JPMorgan Chase Bank (Chase Home Lending), Highlands Ranch, CO - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Highlands Ranch, CO - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 23. **[Jason Brennan](https://lendb.ai/lo/jason-brennan-409896)** (NMLS 409896), JPMorgan Chase Bank (Chase Home Lending), Boulder, CO - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Boulder, CO - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 24. **[James Patterson](https://lendb.ai/lo/james-patterson-453345)** (NMLS 453345), JPMorgan Chase Bank (Chase Home Lending), Longmont, CO - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Longmont, CO - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 25. **[Jana Fay-Barker](https://lendb.ai/lo/jana-fay-barker-623493)** (NMLS 623493), JPMorgan Chase Bank (Chase Home Lending), Loveland, CO - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Loveland, CO - 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/colorado. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._