Property types · Florida
Vacation home loan officers in Florida
As of 2026-10-09, LenDb lists 32 loan officers licensed in or based in Florida whose lender pages show Vacation home work. The top-ranked are Tiffany L Lewis (JPMorgan Chase Bank (Chase Home Lending), Lutz), Kim Ullrich (Guild Mortgage, Vero Beach) and Chris Musto (JPMorgan Chase Bank (Chase Home Lending), Alpharetta). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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
Tiffany L LewisNMLS 202420
JPMorgan Chase Bank (Chase Home Lending) · Lutz, FL
- Vacation home
- FHA loan
- Jumbo loan
- Self-employed
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 14 years licensed
- 2
Kim UllrichNMLS 306250
Guild Mortgage · Vero Beach, FL
- Vacation home
- 1099 income
- Bank statement loan
- DSCR loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 3
Chris MustoNMLS 107227
JPMorgan Chase Bank (Chase Home Lending) · Alpharetta, GA
- Vacation home
- First-time buyer
- Jumbo loan
- Self-employed
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 4
Carson WilkieNMLS 2066136
JPMorgan Chase Bank (Chase Home Lending) · Coral Springs, FL
- Vacation home
- Co-op
- Condo
- First-time buyer
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 5 years licensed
- 5
Cheryl Lynn HolstonNMLS 324297
Loan Factory · Florida
- Vacation home
- Real estate investor
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 6
Matt HarshNMLS 938711
JPMorgan Chase Bank (Chase Home Lending) · Woodstock, GA
- Vacation home
- First-time buyer
- HELOC
- Jumbo loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 13 years licensed
- No disciplinary actions on file at LenDb
- 7
Deanna WillermanNMLS 194372
CrossCountry Mortgage · Delray Beach, FL
- Vacation home
- Construction loan
- Jumbo loan
- Real estate investor
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 4 years licensed
- 8
Javier GiarelliNMLS 1952196
Loan Factory · Miami, FL
- Vacation home
- First-time buyer
- Foreign national
- Real estate investor
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 5 years licensed
- 9
Kay M. DavisNMLS 436627
Union Home Mortgage · Saint Clair, MI · licensed in 5 states
- Vacation home
- First-time buyer
- Real estate investor
- FHA loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 10
Amber GarofaloNMLS 518359
CrossCountry Mortgage · White Bear Lake, MN · licensed in 4 states
- Vacation home
- Construction loan
- Real estate investor
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 11
Julia HohmannNMLS 1042668
JPMorgan Chase Bank (Chase Home Lending) · Greenwood, IN
- Vacation home
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 12
Pamela J. Hall, MBANMLS 525338
Union Home Mortgage · Brighton, MI · licensed in 3 states
- Vacation home
- First-time buyer
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 13
Anthony SellittiNMLS 61373
JPMorgan Chase Bank (Chase Home Lending) · Islip, NY
- Vacation home
- Co-op
- Condo
- First-time buyer
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 14
Chris TuttleNMLS 1662547
JPMorgan Chase Bank (Chase Home Lending) · Lorain, OH
- Vacation home
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 15
Matt MierasNMLS 245686
Guild Mortgage · Charleston, SC · licensed in 8 states
- Vacation home
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 16
Sahani DissanayakeNMLS 673469
JPMorgan Chase Bank (Chase Home Lending) · Birmingham, MI
- Vacation home
- First-time buyer
- Jumbo loan
- Self-employed
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 17
Rebekah WardNMLS 2762473
Guild Mortgage · Pensacola, FL
- Vacation home
- Condo
- Real estate investor
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 0 years licensed
- 18
Amela Magazin AgicNMLS 824184
JPMorgan Chase Bank (Chase Home Lending) · Ponte Vedra, FL
- Vacation home
- First-time buyer
- Jumbo loan
- VA loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Branch in Florida; no license list on file yet, verify at NMLS Consumer Access
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
DeAnna DeardenNMLS 1003218
JPMorgan Chase Bank (Chase Home Lending) · Naples, FL
- Vacation home
- Jumbo loan
- Self-employed
- FHA loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Branch in Florida; no license list on file yet, verify at NMLS Consumer Access
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 20
Angela LevesqueNMLS 201293
Embrace Home Loans · Portland, ME · licensed in 5 states
- Vacation home
- First-time buyer
- Real estate investor
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 21
Owen Michael EdwardsNMLS 219112
Guild Mortgage · Columbia, SC · licensed in 6 states
- Vacation home
- First-time buyer
- Real estate investor
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 22
Joanna WhiteNMLS 404853
Union Home Mortgage · Arlington Heights, IL · licensed in 5 states
- Vacation home
- First-time buyer
- Jumbo loan
- Real estate investor
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 23
Jessica OchoaNMLS 525089
Fairway Independent Mortgage Corporation · Richmond Hill, GA
- Vacation home
- First-time buyer
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 24
Sheri WatkinsNMLS 279665
Ruoff Mortgage · licensed in 8 states
- Vacation home
- First-time buyer
- New construction
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 25
Ovet Reynoso MartinezNMLS 2237181
JPMorgan Chase Bank (Chase Home Lending) · McKinney, TX
- Vacation home
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
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 must be licensed in FL or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=vacation-home&state=FL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.