--- canonical_url: https://lendb.ai/s/vacation-home/florida last_verified: 2026-10-09 --- # Vacation home loan officers in Florida As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Florida whose lender pages show Vacation home work. The top-ranked are Daniel Patrick Nacarato (Barrett Financial Group, Chandler), Joanna White (Union Home Mortgage, Arlington Heights) and Josh Penland (Fairway Independent Mortgage Corporation, Round Rock). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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 FL: confirmed with the Florida regulator (license LO144059), 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. **[Joanna White](https://lendb.ai/lo/joanna-white-404853)** (NMLS 404853), Union Home Mortgage, Arlington Heights, IL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO88677), verified 2026-10-09 - Earliest state license record: June 2, 2021 (Florida), per state regulator - States 24 years of experience (lender page, 2026-10-09) 3. **[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 FL: confirmed with the Florida regulator (license LO142805), 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) 4. **[Sheri Watkins](https://lendb.ai/lo/sheri-watkins-279665)** (NMLS 279665), Ruoff Mortgage - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO63250), verified 2026-10-09 - Earliest state license record: August 7, 2019 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 5. **[Jessica Ochoa](https://lendb.ai/lo/jessica-ochoa-525089)** (NMLS 525089), Fairway Independent Mortgage Corporation, Richmond Hill, GA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO40106), verified 2026-10-09 - Earliest state license record: February 21, 2017 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 6. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO94102), verified 2026-10-09 - Earliest state license record: September 3, 2021 (Florida), per state regulator 7. **[Tiffany L Lewis](https://lendb.ai/lo/tiffany-lewis-202420)** (NMLS 202420), JPMorgan Chase Bank (Chase Home Lending), Lutz, FL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Lutz, FL - Licensed in FL: confirmed with the Florida regulator (license LO11599), verified 2026-10-09 - Earliest state license record: October 20, 2011 (Florida), per state regulator 8. **[Ron Haddad](https://lendb.ai/lo/ronald-haddad-204443)** (NMLS 204443), Union Home Mortgage, Arlington Heights, IL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO116001), verified 2026-10-09 - Earliest state license record: December 16, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 9. **[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) - Licensed in FL: confirmed with the Florida regulator (license LO91410), verified 2026-10-09 - Earliest state license record: July 15, 2021 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 10. **[Kylie Miller](https://lendb.ai/lo/kylie-miller-562713)** (NMLS 562713), CrossCountry Mortgage, Beavercreek, OH - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO143520), verified 2026-10-09 - Earliest state license record: December 16, 2025 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 11. **[James Burton](https://lendb.ai/lo/james-burton-2121317)** (NMLS 2121317), Southern Trust Mortgage, Mt Pleasant, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO116336), verified 2026-10-09 - Earliest state license record: January 5, 2023 (Florida), per state regulator 12. **[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 FL: confirmed with the Florida regulator (license LO119146), verified 2026-10-09 - Earliest state license record: April 18, 2023 (Florida), per state regulator 13. **[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 FL: confirmed with the Florida regulator (license LO66091), 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) 14. **[Rebekah Ward](https://lendb.ai/lo/rebekah-ward-2762473)** (NMLS 2762473), Guild Mortgage, Pensacola, FL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Pensacola, FL - Licensed in FL: confirmed with the Florida regulator (license LO148425), verified 2026-10-09 - Earliest state license record: June 5, 2026 (Florida), per state regulator 15. **[Santiago Caviedes](https://lendb.ai/lo/santiago-caviedes-2075452)** (NMLS 2075452), JPMorgan Chase Bank (Chase Home Lending), Orlando, FL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Orlando, FL - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Earliest state license record: March 3, 2021 (Florida), per state regulator 16. **[Jorge L Corrales Rodriguez](https://lendb.ai/lo/jorge-l-corrales-rodriguez-598891)** (NMLS 598891), JPMorgan Chase Bank (Chase Home Lending), Miami, FL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Miami, FL - Licensed in FL: confirmed with the Florida regulator (license LO40478), verified 2026-10-09 - Earliest state license record: February 28, 2017 (Florida), per state regulator 17. **[Bobby Dorgan](https://lendb.ai/lo/robert-dorgan-2536169)** (NMLS 2536169), Loan Factory - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO139321), verified 2026-10-09 - Earliest state license record: July 1, 2025 (Florida), per state regulator - States 18 years of experience (lender page, 2026-10-09) 18. **[Peter Ventriglia](https://lendb.ai/lo/peter-ventriglia-16032)** (NMLS 16032), JPMorgan Chase Bank (Chase Home Lending), Old Greenwich, CT - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Earliest state license record: February 22, 2017 (Florida), per state regulator 19. **[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 FL: confirmed with the Florida regulator (license LO68361), verified 2026-10-09 - Earliest state license record: February 27, 2020 (Florida), per state regulator 20. **[Marianna Gabriel](https://lendb.ai/lo/marianna-gabriel-2315456)** (NMLS 2315456), JPMorgan Chase Bank (Chase Home Lending), Boca Raton, FL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Boca Raton, FL - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 21. **[Paul Loflin](https://lendb.ai/lo/paul-loflin-476070)** (NMLS 476070), JPMorgan Chase Bank (Chase Home Lending), Palm Beach Gardens, FL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Palm Beach Gardens, FL - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 22. **[Charles Klass](https://lendb.ai/lo/charles-klass-497351)** (NMLS 497351), JPMorgan Chase Bank (Chase Home Lending), Estero, FL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Estero, FL - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 23. **[DeAnna Dearden](https://lendb.ai/lo/deanna-dearden-1003218)** (NMLS 1003218), JPMorgan Chase Bank (Chase Home Lending), Naples, FL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Naples, FL - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 24. **[Ulysses Fortuna](https://lendb.ai/lo/ulysses-fortuna-1048432)** (NMLS 1048432), JPMorgan Chase Bank (Chase Home Lending), Port Richey, FL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Port Richey, FL - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 25. **[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) - Office in Coral Springs, FL - Licensed in FL: confirmed with the Florida regulator (license LO85569), verified 2026-10-09 - Earliest state license record: April 13, 2021 (Florida), per state regulator ## 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/florida. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._