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

# Vacation home loan officers in Delaware

As of 2026-10-10, LenDb lists 3 loan officers licensed in or based in Delaware whose lender pages show Vacation home work. The top-ranked are Richard Johnson (Lower, Fairfax), Jason Fox (NFM Lending, Frederick) and Michelle Cieniewicz (JPMorgan Chase Bank (Chase Home Lending), Wilmington). Ranking is lender-neutral: specialty evidence first, then a license in DE, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Richard Johnson](https://lendb.ai/lo/richard-johnson-455506)** (NMLS 455506), Lower, Fairfax, VA
   - Lists Vacation home on lender page (lender page, verified 2026-10-10)
   - DE 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)
2. **[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)
   - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
3. **[Michelle Cieniewicz](https://lendb.ai/lo/michelle-cieniewicz-2277845)** (NMLS 2277845), JPMorgan Chase Bank (Chase Home Lending), Wilmington, DE
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Wilmington, DE
   - 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/delaware.

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